davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

My agent contacted IQ Data on XX/XX/2019 about XXXX XXXX and spoke with a XXXX XXXX. My agent had requested the correct information be sent being that IQ Data sent another persons information from XXXX XXXX which was completely unrelated to my name, or my spouse. They sent another parties information thats very personally from a rental agreement. Please see attached information. 

My agent sent our POA over to speak on my behalf and my agent requested the right information. My agent also requested why I did not get my right to dispute any debt with their office as allowed under FDCPA regulation with 30 days before reporting to all three credit reports. XXXX from IQ Data claimed it was mailed to me. I never received any debt collection notice to my address prior to IQ Data reporting a debt to all three reporting bureaus. XXXX got mad at my acting authorized agent and would not send any information requested by my agent. My agent requested proof of that letter, proof of a phone call between me and IQ data that never happened. 

My acting agent requested to speak with a supervisor and the supervisor was also uncooperative in sending the correct documentation and proof of the debt. 

Later after the conversation took place IQ Data sent a rental agreement with my information but not evidence or proof of the debt belonging to me or how the debt was accumulated or proven to be my debt. I feel there is several issues here. IQ Data is  acting in bad faith by sending the wrong information of another client unrelated to me. Also, I never received my right to dispute a debt in their office prior to being reported to all three credit bureaus under FDCPA regulations. Also, I feel my character is being damaged and a debt is being held over my head that can not be proven it belongs to me.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (TX)

There is a mortgage that is reporting with PHH Mortgage Services that has been closed for over 10 years. For some reason it continues to report and reports as opened. This is not an active account. It's been disputed several times and it still is not resolved.
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP (AL)

XX/XX/2018 XX/XX/2018 XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX RAN MY CREDIT WITHOUT MY PERMISSION 4 TIMES AND I DIDN'T KNOW THAT THEY DID BECAUSE I'M JUST NOW ABLE TO SEE MY XXXX  REPORT AND IT DID NOT SHOW UP ON MY XXXX I ONLY INQUIRED WITH THEM ONE TIME AND THAT WAS LAST YEAR AND NOW THEY HAVE MY INFORMATION AND SEEM TO USE IT AS THEY PLEASE AND I AM NOT COMFORTABLE OR HAPPY ABOUT IT THAT IS NOT VERY PROFESSIONAL AND I WANT THIS TO BE HANDLED IMMEDIATELY
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors' Service Bureau of Niles, Inc (NC)

Creditors Services Bureau is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account.

This assumed debt was charged off after an internal credit in the amount of the loss in order to XXXX  out the balances and close the account. The loss balance is then transferred from the XXXX XXXX XXXX to the XXXX XXXX XXXX which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been XXXX out and the contract has been satisfied. 

This consumer is only responsible for the XXXX  account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then Creditors Services Bureau has no claim. 

I hereby irrevocably refuse to consent/contract to Creditors Services Bureau agency because there is no law required for this consumer to do so. Until Creditors Services Bureau agency can provide a lawful authority by which this consumer is subject to comply with submitting to Creditors Services Bureau or jurisdiction in violation of my rights to be free of involuntary servitude. 

This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) Creditors Services Bureau is hereby warranted to Proof of Claim in Arbitration.
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

my wife is an identity fraud victum since 2017 with the XXXX data breach. since that time our lives have been ripped apart by identity theft. countless hours spent trying to repair credit and restore her name. my usaa account with over {$800.00} a cd of {$500.00} and 3 other accounts have been froze after her countless attempts to have credit and bank  account disputes resolved she contacted consumer finance and ftc. usaa instead of helping us as fraud victums accused us of fraud and froze all of our money and threatened to sever ties. I believe we are being retaliated against for our complaint to the FTC and here and having served our country am discraced and embarrased by their unethacal practices. Besides not rectifyung inaccurate information off of her report and mine for nearly 2 years. which we should get retribution for, they are now bullying us with our only source of funds. As fraud/identity fraud victums there is very little help and someone needs to be standing up and helping. please someone help us! To conduct business like this and freeze victums funds is criminal. Now we have unpaid bills, late fees and more problems to deal with. Identify theft has taken so much and now usaa has further caused unspeakable stress and loss! Serviceman and women beware! Do not trust your funds or your identity or credit! I will be attaching files so that you can see the lengthy history of disputes with usaa and for how long they failed to resolve issues until our claim And the retaliation began. The attached are only a few of what we have submitted. A history of negligence, discrimination and retaliation
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Equifax continues to inaccurately show a " Social Security # Variation '' on my Credit File. I have been trying in vain for years to have this issue permanently resolved to no avail. After the latest round that took months Equifax finally took the " Social Security # Variation '' off my Credit Report of XX/XX/XXXX Confirmation # XXXX. However, when I obtained my latest Credit File XX/XX/XXXX Confirmation # XXXX I see that Equifax started reporting a " Social Security # Variation '' on XX/XX/XXXX! Only one month later! What is wrong with these people! 

I was born with one SS # and unfortunately will probably die with Equifax saying I have two.  Utterly ridiculous!
Consumer complaint received 2019-10-19
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: ID Analytics, Inc. (VA)

XXXX XXXX denied an auto loan due to information from Sagestream. Says score is XXXX, when its actually over 830. received a letter in mail stating denial. who is XXXX? why do they supply scores?
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One bank is incorrectly reporting my credit card accounts that I have with them. I currently have two accounts, and only one is being reported. To make matters even worse, the account that is not being reported is the account that is in good standing where I have not had a late payment in 2 years and have received several credit limit increases. How can a company have such a blatant oversight that adversely affects one 's credit and finances? I submitted a dispute in this regard in XX/XX/2019 and no updates were made to my credit file.
Consumer complaint received 2019-10-18
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

This account has been re-aged and clearly there is no proper investigation as to what really happened here. The date is way back XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I had a charge on my account that I did not recognize for services I had not receive. I disputed the charge with my credit card company ( Chase ) and they credited my account. The same merchant attempted to charge my card again twice separately after a six month and a one year hiatus. The last billing was in XX/XX/2019. 

I asked Chase to resolve this once and for all, and block this merchant as this is a repeated pattern. Chase analyzed past records, and agreed to block the merchant and stop all future billing and rebilling from this merchant. This assurance ( of account being credited and final resolution of the dispute along with blocking of the merchant for all future transactions on my account ) was first provided to me over the phone with Chase dispute resolutions representative, XXXX on XX/XX/2019 at XXXX. 

XXXX followed up with me with a letter stating the same ( attached ) where it clearly states, " We blocked this merchant from charging the account, you shouldn't see charges from this merchant on your account in the future. '' To my surprise, the same merchant charge was rebilled to my account in my XX/XX/XXXX statement. When I contacted Chase they were unwilling to resolve this. I shared the letter I received with XXXX and XXXX at Chase. XXXX said that the letter states that " you shouldn't see charges from this merchant '' does not mean " you will not see charges from this merchant. '' I asked XXXX if he is stating this on record and he said that the line is recorded and he stands by his statement that Chase 's prior commitment to block the merchant and that there will no charges is incorrect ( and therefore the charges remain ).
Consumer complaint received 2019-09-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc (WA)

There is no Lease for this unit. This property was involved in an property fire. 
This was unfortunetly a illegal situation This unit was the only unit i lived in and this was before XXXX XXXX XXXX soldit sproperty
Consumer complaint received 2019-09-16
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. (TN)

I noticed in XX/XX/XXXX, that my credit report with Equifax terribly wrong, and it was breached. Unaware of the breach epidemic with the CRAS. I called to dispute some items on credit report, but I noticed that I had several different social security numbers and names showing on my XXXX credit report. I informed Equifax of my XXXX credit report breach. Equifax has verified bankruptcy accounts XXXX & XXXX XXXX XXXX, filed on XX/XX/XXXX & XX/XX/XXXX. Also, XXXX XXXX Co, account number XXXX & XXXX accounts Opened on XX/XX/XXXX & XX/XX/XXXX. This the same company reporting twice with different Opened dates. Fraudulent account, XXXX - {$6400.00} fraudulent, XXXXt {$19.00}, XXXX XXXX XXXX {$4600.00} Student Loans should be removed- account paid in full on XX/XX/XXXX. Remove all inquiries. I am uploading the FTC Affidavit, FTC Creditor Letter aling with DIsputes letter request.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (VA)

On or around XX/XX/XXXX, a credit bureau dispute was submitted against this company for an erroneous balance they claim is owed to " XXXX XXXX XXXX ''. On or around XX/XX/XXXX, a written dispute and request for validation was sent directly to collection agency, Hunter Warfield Inc. They were also advised to cease and desist verbal communication. This company failed to provide adequate proof of this alleged debt within a reasonable time frame. They continued to call and harass me repeatedly after receiving notice to cease communication other than a written response to my dispute. They also reported to the credit bureau that this debt was verified as accurate, however after speaking to the original creditor it was found that the balance was in fact erroneous. This debt was taken to court in XX/XX/XXXX through XXXX City Court and was dismissed. I have filed an attorney general complaint against the owner of this debt, XXXX XXXX located in VA as well for failure to address and correct this matter within a timely manner. Hunter Warfield Inc has had many complaints against them for deliberate violations against consumer rights. They run a very unprofessional operation and I believe their name is used as a scare tactic to make people think they are an attorney, which in my opinion is a deceptive practice. I would like to ask that this company be fully investigated by the CFPB.
Consumer complaint received 2019-09-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX is a closed account that was charged-off. The account is reporting a balance of {$300.00}, which is accurate since the card 's limit was only {$300.00}. However, LVNV Funding/Resurgent, the collection company on this account, is reporting a balance of {$690.00}. This is more than double the original balance! I disputed the amount that LVNV Funding/Resurgent was reporting in XX/XX/2019, and no change was made to the balance that was being reported.
Consumer complaint received 2019-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

My name is XXXX XXXX and live at XXXX XXXX  XXXX XXXX # XXXX, XXXX, OH XXXX My cell # ( XXXX ) XXXX On XX/XX/1940 I was on line and notice that a {$10000.00} was withdraw from my PNC checking account which was sent to XXXX XXXXXXXX XXXX to pay off my account. I did not authorize this transaction. I was never notified that this was being done. Thinking there has to be some kind of mistake because I never authorization any funds to be paid to XXXX XXXX  XXXX. 
Matter of fact, I have bill pay when it's due to make the payment, I am the only one that can do that. 
I checked with PNC to find out why they sent funds to XXXX XXXXXXXX XXXX. 
I then found out that my bank had taken whatever funds I had in my checking account and sent it to XXXX XXXX XXXX in the amount of ( {$3700.00} ) - I could not believe that they did that without notifying me. They had no right. 
First of all, I have never missed a payment and besides that I have bill pay. The payment was not due. 
I was told that PNC put a on hold on my account and now unable to get any money from my account. 
I need help now, I have bills to pay, utilities, gas, insurance, doctors, etc. 
This has never happened to me. Once I get this taken of I will be changing banks What am I to do?
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NV)

I received a letter from Loan Depot in XX/XX/2019 stating that I was prequalified for mortgage. Since I wanted to refinance my home to eliminate debts in an effort to lower my monthly expenses, I responded. 
I spoke with a representative, XXXX XXXX, and supplied the requested information to start the process on XX/XX/XXXX. After he reviewed the information he informed me that he would not be able to assist me at this time due to my length of employment. On XX/XX/XXXX I received a call from another Loan Depot representative, XXXX XXXX XXXX, and he stated that he was more experienced with loans having these conditions and would like to proceed with the process. I agreed and provided all required information requested from myself and my wife. XXXX advised us that it would be about 30 days to completion of the process through approval, appraisal, and closing. 
I received and email and a phone call from XXXX XXXX, Senior Account Manager, on XX/XX/XXXX stating that she would be my point of contact through the remainder of this process. On XX/XX/XXXX the loan status stated it was " still under review ''. Since going to underwriting on XX/XX/XXXX and the appraisal was completed on XX/XX/XXXX I requested an update from XXXX on XX/XX/XXXX. The auto response stated she was out of the office so I sent a text to XXXX XXXX XXXX asking for an update. He replied that he would check into the matter. 
On Friday XX/XX/XXXX I did receive a return call from XXXX and I ask again for an update. since the loan status as of today, XX/XX/XXXX, still remains " under review ''. 
She advised me that XXXX had closed the loan file on XX/XX/XXXX. I also questioned why I received an appraisal that contained photos of my home and no appraised value. Her response was, " I don't know ''. I have attached email correspondence reflecting the sequence of events which lead to this complaint. 
I feel all correspondence since XX/XX/XXXX has been misleading and deceiving. Were this a loan involving another ethnicity I believe it would have been approved and funded without all the deception. Since we have been put off for so long any opportunity to secure alternate funding has been hampered.
Consumer complaint received 2019-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

Complaint against JP Morgan Chase - On XX/XX/XXXX, I opened an account with Chase however prior to having an ability to fund the account, it was closed on XX/XX/XXXX without notice. I found it odd and just took my business else where. 

However fast forward, my entire family open accounts two weeks ago with Chase without issues until today. 

On XX/XX/XXXX - Today I was told that I was not able to open an account with Chase due to an account closer on XX/XX/XXXX. When I questioned why was the account closed in XX/XX/XXXX and why am I restricted from Chase, they could not give me a answer why. 

Customer service said they would not have originally opened my account if was a credit issue and I never had a chance to fund the account. This leads me to believe I am being un-rightfully targeted for another reason. I would appreciate any assistance you can provide.
Consumer complaint received 2019-10-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

I took a online payday loan from XXXX XXXX XXXX on XX/XX/2017 in the amount of {$850.00} I paid this loan off in full. XXXX XXXX contacted me three days ago and advised me that National Credit Adjusters has added this to my credit file in the amount of {$1900.00}. I have every bank statement with every payment that was direct debt from my checking account. I paid {$360.00} XX/XX/2017 and XX/XX/2017 by direct debt. I paid {$360.00} on XX/XX/2017, XX/XX/2017 and XX/XX/2017 by in clearing check. I paid a total of {$1800.00} for this payday loan. I want this company to take this off of my credit file immediately. Please help Thank you
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (MS)

The Work Number, from EQUIFAX, has FOR YEARS, supplied fraudulent employment information to potential employers. The employers have been scanned and are listed here : XXXX XXXX, XXXX, XXXX, XXXX XXXX , XXXX., XXXX Department Stores,  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Moreover, this fraudulent information is not on my credit report. It is being secretly reported to potential employers via The Work Number From Equifax. I have never authorized this information to be provided by The Work Number. I didnt know The Work Number From Equifax was providing employment information. 

I have never worked for these employers. Review the dates of employment also. The majority of these companies are reporting 1 ( ONE ) month of employment. This is ridiculous. Remove these employers from my employment history. It is fraudulent. I have never worked for these employers. There is also a fraudulent address listed on the last page of the report : XXXX XXXX XXXX XXXX XXXX GA XXXX. Today Ive spoken with XXXX a customer service rep with The Work Number, From Equifax. She states that I must contact Equifax Office of Consumer Affairs to have the address removed. This office has removed this fraudulent address several times. I have recorded calls each time. Why is this address being rotated by Equifax? Its not on any other credit reports. Just Equifax where I have been consistently targeted by the Office of Consumer Affairs. I want these fraudulent employers, addresses and this fraudulent phone number removed from my credit report and employment history report! The fraudulent phone number listed by The Work Number From Equifax is XXXX.
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (NV)

Sent Letters requesting documentation to verify this information is mine and is correct on : First Letter on XX/XX/XXXX second letter on XX/XX/XXXX third letter on XX/XX/XXXX Received a letter from the Credit Bureaus XXXX XXXX  and XXXX XXXX saying account has been verify but never received any supporting documentation.
Consumer complaint received 2019-10-19
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. (NV)

Hello, My name is XXXX XXXX. I and my family would like to purchase a home. I haven't moniterid my credit before. There are ample amount of accounts and inquires that do not belong to me. Please remove them. 

Thank you