davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

XXXX XXXX XXXX took control of property XXXX XXXX XXXX XXXX WA XXXX on XX/XX/2014. The assumption that XXXX XXXX was the management company and the owner XXXX/XXXX XXXX XXXX was false. They barely negotiated a new lease for me, when the other company went and disappeared. Inside of one year later they were building a case, to file a eviction lawsuit against me. By the way I have no eviction record ever in any state that I lived in. I was having problem paying the rent because I was in graduate school which they encouraged residents on campus by waiving the application fee and the security deposit. I was also an employee of the University  of XXXX  XXXX until the same month of the eviction lawsuit and I got fired. I was XXXX years old when the new lease began. At any rate, my complaint consists of discrimination due to XXXX placard on my car, age discrimination as well as race, I am XXXX XXXX. XXXX XXXX XXXX proudly dragged me through court for XXXX of which they literally would not take when I offered it to them in a money order. I had to deposit it in my bank account which I can prove. The judge awareded them XXXX plus attorneys fees that's all and they have XXXX and XXXX combined on my credit report. I have never spoken with anyone at the agency that I recall. I have seem numerous complaints about them from the XXXX. I am offering this complaint as blatant and unbelievable that it is. I have been homeless for 3 years due to this and I am now XXXX years old. This is shameful to do for XXXX dollars which they would not take.
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Diversified Consultants, Inc. (GA)

I originally received a debt notice a few months ago from diversified consultants regarding a XXXX debt. I then in writing sent them a letter disputing the charge and asked for a detailed breakdown of the XXXX internet charges. 

Then they mailed a letter to my work, which was opened by a mail room employee to see my collections. the letter was put on my desk. Attached to the letter was a copy of the XXXX bill which clearly listed my house address on it.
Consumer complaint received 2018-05-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In XX/XX/XXXX, I retained this attorney 's office for a mortgage foreclosure. My income changed and I wasn't able to make the required payments. I was told that they would represent me in this action and ask me how much I can pay monthly. I gave them a sum of {$300.00} and it has been ongoing from XX/XX/XXXX to XX/XX/XXXX. I've paid approx. {$10000.00} for attorney representation. 

Through the attorney 's office, I wasn't offered any programs to save my home. I asked for programs to save my home, none was offered to me. When I would call periodically, I was told they were handling it. Now foreclosure judgement has come, and my house was sold XX/XX/XXXX. My  attorney stated that he put in a appeal that was denied. 

I want to make a complaint on this law firm who took my money for three years, which is around {$10000.00} and provided me with no 'options ' in saving my home. I am a single parent with XXXX twins. My mother lives with me. She is also XXXX. I need my home. 

I'm asking you to investigate this case, to find out if there was any wrong doing on behalf of this law firm.
Consumer complaint received 2018-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wallace Management Company, LLC (OK)

I only borrowed {$300.00} and have made 8 payments of {$75.00} and they are saying I still owe {$150.00}. I don't think its right. All American Loans located XXXX, Oklahoma
Consumer complaint received 2018-05-28
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: Santander Consumer USA Holdings Inc. (CA)

On Sunday XX/XX/2018, I had received notice from a XXXX XXXX that it was new inquiry was added on my XXXX report. I did not apply for anything with this company or gave anyone permission from that company to run my credit. I am not familiar with the company. The company is called XXXX XXXX. They ran my credit resulting in a hard inquiry being placed on my credit report.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and Transunion are reporting my total credit history to be 14 and 15 months respectfully ; thus lowering my credit score unfairly. I'm XXXX years old and my credit history is actually well over 30 years. I went through a successful Chpt XXXX BR, paying off all my previous creditors three years ago. 

My correct length of credit history should reflect the overall history ; not just the last 15 months. Only showing my credit history as 15 months, but showing my public record of a Chpt XXXX BR, does not accurately reflect my PAYING OFF numerous creditors that go back much more than 15 months. This bias negatively reflects my credit history as being short, while at the same time shows only the negative aspect of my real credit history -- the Chpt XXXX. In fact, only about 5 % of persons filing Cht XXXX complete the payment plan. This is not a negative ; it should be reflected that way. 

I paid off many accounts more than three years ago. The public record SHOWS a Chpt XXXX discharge 3 years ago -- AFTER I paid off several accounts -- such as XXXX XXXX of XXXX County mortgages and many other accounts. 

How could my credit history only be 15 months? That is incorrect.
Consumer complaint received 2018-05-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

I was alerted by XXXX XXXX that a collection account was added to my credit report in XX/XX/XXXX. I called the collection company XXXX XXXX XXXX XXXX and asked what this collection ant was for at which time I was noticed it was for an after hour emergency visit on XX/XX/XXXX A YEAR AGO. I asked why I was never contacted and her response was I called one time in XX/XX/XXXX but did not leave a message. I asked if there had been any other attempts to notify me I had a balance due and she replied no. I asked if it was legal to just add a delinquent account to someones credit report without FIRST attempting to contact them to even let them know there was an outstanding balance as I have never received a single notice once stating I had a balance due. I have Medicaid insurance and do not have a deductible for an office visit or ER visit which this was just an office visit at XXXX XXXX After Hours Clinic in XXXX. The credit report has zero information as to when the charge was made, when I was seen, what the service was or if I had made a pmt or anything. It simply stated opened XX/XX/XXXX Reported XX/XX/XXXX {$260.00} Medical Past Due Collection Account OPEN STATUS which lowered my credit score and I had never been contacted my the health clinic or the collection company whom received my account in XX/XX/XXXX and just reported to the credit reporting companies without any attempt to notify my or to let me pay or investigate the charge as my ins should have paid it in full.

I then contacted the Original Clinic and they said they sent me one letter and it was returned stating moved but that was it. There was never a phone call made to me or my emergency contact and my Medicaid ins just never got filed as it should have and now she said it was too late for her to go back and file it since its over a year. I confirmed she had my correct ins info and she did however the billing Dept dropped the ball, I was never notified or given a chance to pay it and now it is reporting as an OPEN Collection Account for something I dont owe. Are there laws that state I have to be notified or that protect me if the billing department waited to long to bill my ins and now they wont pay it as that is all out of my control?
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XX/XX/XXXX there were {$860.00} worth of charges on my credit card that took me over my limit that didnt have my prior authorization. XXXX XXXX suspended my credit line. I filed a dispute they found out the company didnt have my authorization to charge the amount to my card they credit the amount back to my account and decreased the over the over the amount limit which caused XXXX XXXX to decrease my score on XX/XX/XXXX 126 pts because of the way they worded it on my credit reports. This has been a nighmare to me this is my livelihood I have never been late with this card company and they do me like this. Today i get an alert from my fico that once i paid my balance down to XXXX  they updated my credit report to say loan paid instead of open account as current and paid as agreed. They know its how they word our reports as to how they score us. The status said outstanding loan and loan paid and its never been a loan it was a credit card. They told me last week once i bought my account current they would send me my new card update my account and this is what they do to me.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have tried multiple times calling and mailing XXXX, exeperian and XXXX asking them to remove inquiries that I did not validate even after directly contacting the companies who the inquires were with. Neither the company nor the 3 bureaus would remove the non account holding inquiries. I have been trying off and on for two years to get this resolved.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have tried multiple times calling and mailing XXXX, XXXX and equifax asking them to remove inquiries that I did not validate even after directly contacting the companies who the inquires were with. Neither the company nor the 3 bureaus would remove the non account holding inquiries. I have been trying off and on for two years to get this resolved.
Consumer complaint received 2018-05-24
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: Experian Information Solutions Inc. (LA)

I submitted a fraud report the the three credit bureaus, Experian, XXXX   and XXXX. 
There were several items on my credit report that does not belong to me. Most of the items were removed, but some have been added back to my credit reports. 
No written explanation was provided to me, prior to adding them back, which is a violation. 
The information is as follows : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX   XXXX
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried multiple times calling and mailing transunion, XXXX and XXXX asking them to remove inquiries that I did not validate even after directly contacting the companies who the inquires were with. Neither the company nor the 3 bureaus would remove the non account holding inquiries. I have been trying off and on for two years to get this resolved.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alliance Collection Agencies, Inc. (WI)

Allianceco Is reporting the exact same account two times on each of my credit reports this as we all know is a violation of the FCRA and is also a {$500.00} violation each time inaccurate information is purposefully reported to a credit bureau - This mistake has been pointed out to Allianceco multiple times in writing and they still are reporting this account more than one time to each of the three major credit bureaus - I will not hesitate to attempt to collect the compensation money due to the FCRA violations if the mistakes are not corrected. The accounts are XXXX XXXX Clinic and the same XXXX XXXX clinic the account numbers have not been provided to me upon request.
Consumer complaint received 2018-05-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NJ)

Some months my husband and I became XXXX due to a car crash. We fell on hard times and could not keep up with our payments. Everything fell behind. My husband is still out of work for a XXXX injury but I went back to work as a Per Diem employee. I am still trying to catch up. Ive expressed to this company time and time again that I will try my best to catch up but they will not agree to a hardship. Now they have started calling me four to five times a day like clockwork to ask me for monies I can not give right now. I am being harassed and I would like it to stop. The company is CitiBank ( BestBuy ). The repeated calls started about 2-3 weeks ago at 4-5 times daily. The numbers that call are ( XXXX ) XXXX and ( XXXX ) XXXX.
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I reviewed my recent credit report and there is an account being reported by XXXX XXXX, original account was XXXX XXXX in the amount of {$1900.00} and I am the victim of identity theft. I have tried to resolve this issue with the bureaus and only XXXX  has removed this fraudulent account. I reported the identity theft to the FTC and made a identity theft report, and the FTC report # is XXXX.
Consumer complaint received 2018-05-27
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 — Problem with personal statement of dispute
Company: Scott Fetzer Financial Group Inc. (NC)

From XXXX to XXXX payments were not paid to company. Product had broke and I called company and was instructed to not pay until returned phone call. Was never told it would begin being put on my credit as missed payments and not ever called back. Has correct income but was instructed incorrectly by a member. Also, they have been reporting differently to different credit bureaus.
Consumer complaint received 2018-05-27
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: Experian Information Solutions Inc. (AL)

VICTIM of their inquiry issue! 
Customer Service would not help and take care of the negative inquiries reporting. Customer service was Extremely rude and vulgar. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC (AZ)

I am in the process of working on a loan and was alerted to a collection from XXXX XXXX XXXX XXXX by my credit monitoring APP. In haste I paid the amount not knowing that I had an option to verify/dispute the validity of the debt. This was not conveyed to me by XXXX XXXX when I reached out. Due to this I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Consumer complaint received 2017-01-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Automatic Data Processing, Inc. (SC)

My employer uses ADP as a payroll service - ADP made an error on my paycheck. I was sent an " A LINE '' card to have immediate access to funds. When trying to contact the " customer service '' within ADP A LIne card - I have been on the phone for over 3 hours trying to determine how I can access my money. I was told direction by one rep - than was completely contradicted by another. I was then told I would have someone call me back in 3 -5 days with an " escalation ''. There was literally no recourse, no superior, nothing other than I would be called back within 3 - 5 days. Meanwhile, I have 0 access to {$3200.00} that is currently floating somewhere in cyber space. UNACCEPTABLE. Meanwhile I am racking up funds from my bank for my checking account being below a threshold, and automatic payments will be bouncing. I can not believe I have been sandbagged so completely and that these practices are lawful nd acceptable, 3 -5 DAYS - and I may get a phone call back! ADP - the worlds largest payroll company, a Fortune 500 - AAA Credit rating etc ... in 2017 this is the best you can do???
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I applied for a XXXX XXXX card with First Bank of Omaha for XXXX XXXX. There was a XXXX charge. I moved and told the agent to put the account on auto pay. It was not setup and the XXXX charge turned into a 30 day late payment on my credit report. I have all my accounts on autopay for this problem. It is crazy they are reporting a XXXX payment 30 days late. I have paid the account off. they reversed the late fee. but they are taking their time reversing the late payment. I am now having a hard time getting a house loan for a XXXX fee that was on my card.
Consumer complaint received 2018-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

This company Portfolio Recovery Associates alleges I owe {$910.00}. I've asked several times to show me proof that they have my signature on file and can validate this being my debt. All they show me is a statement they have bearing no signature whatsoever and I've been communicating with them for months. Yet again, time after time, they've failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am asking for the description of the procedure used to determine the accuracy and completeness of the information they say is my account. It is not and they fail to provide me with any credible evidence bearing my signature. Additionally, I want the name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Again, I am formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount of {$910.00}. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. Please advise immediately how you expect to proceed.
Consumer complaint received 2018-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation (GA)

I am behind on my loan. My husband recently lost his job. The company keeps calling. They call me multiple times a day. They leave me multiple messages. They keep calling my job multiple times a day. Now they have stopped calling my personal phone and only call my job. They will not stop calling me at work. I am afraid I will loose my job because of this. This violates my privacy.
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (CA)

To whom it may concern this complaint is in regards to XXXX XXXX reporting to my credit file for acct # XXXX. I have never received an initial letter allowing me to dispute this account and its inaccuracies pertaining to me supposedly owing this dept. Upon doing further research I discovered that XXXX XXXX is NOT bonded in the State Of California with Californias Secretary of State to attempt to collect debts on behalf of any creditor. It is illegal to do so if you are not bonded in this state. I am requesting that said items be deleted from my XXXX XXXX, and XXXX credit files immediately sice you have no authorization to do bussiness or operate in the state of California.
Consumer complaint received 2017-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (MI)

Field a dispute around XX/2017 about a collection that is not mines company said it was mines and that it 's going to stay on my credit report I disputed this collection with XXXX and removed it but they will not removed from my XXXX.I would like to have this collection removed
Consumer complaint received 2021-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.