davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (PA)

I was never informed that this alleged debt was being reported on my files nor was i informed that I owed this debt or that a collection agency was going to be claiming that I owed this debt! I do not owe this money and this is to be removed from my report within 30 days! According to the FCRA I was to be notified that there was a balance and informed that this agency would be collecting a debt from me! I was never NEVER informed of this debt so in accordance with FCRA This is not a valid report and is illegal to report this to any agency! If it is not removed from my file I will file a lawsuit in regards to A FCRA violation!
Consumer complaint received 2017-07-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andreu, Palma & Andreu, PL (FL)

XX/XX/XXXX, I received, from ANDREU, PALMA, LAVIN & SOLID, PLLC, a photocopy of a NOTICE OF ASSIGNMENT OF JUDGMENT in my parents ' mailbox. Their document was dated XX/XX/XXXX. This document came via first-class mail and was enclosed in an envelope with another AFFIDAVIT OF ASSIGNMENT OF JUDGMENT, dated Tuesday, XX/XX/XXXX, for a Final Judgement in XX/XX/XXXX, when I was ten years of age. I tried to speak with a representative at this law firm over the phone about this matter but they demanded my Social Security number. I refused and they would n't proceed with the call. I know for a fact that this matter is either an intentional fraud or a hoax. They are demanding {$2400.00}. Again, I have no knowledge of this debt from XX/XX/XXXX, as I was only ten years old in XX/XX/XXXX.
Consumer complaint received 2017-07-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2017 @ XXXX XXXX EST, a man contacted my roommate 's cell phone claiming to be Attorney XXXX XXXX from New York. He called from ( XXXX ) XXXX and told me that Capital One wanted to take legal action against me for an old debt and the amount I owed for the debt and restitution was around {$500.00}. He told me that I needed to pay the full amount immediately or else Capital One would take me to court and have my local government charge me with theft, fraud and possibly spend up to a year in jail. He offered to take payment via XXXX XXXX, my bank account or another credit card payment. I told him I could n't pay for a couple of days and he pushed and pushed for an immediate payment, but said he would call back later so I could try to come up with the money. I did a reverse phone number search and found that it was a non-fixed Voip number from XXXX XXXX, NY, however, when I searched for his name and business in New York, I found nothing. I did ask my roommate to call the number back to see if and how he answered the phone and he did answer " Attorney XXXX XXXX XXXX XXXX '', before she apologized and said she had dialed the wrong number. I do n't owe any old credit card debt for that amount from over a year ago and my roommate has been receiving excessive scam calls lately. The man sounded very professional and was the most believable " scammer '' I have talked to so I would hate for someone to trust and give him their hard earned money. Thank you for your help
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AZ)

XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Original Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$450.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$XXXX} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes this account information I paid the OC XXXX in XXXX XXXX, XXXX. By law, XXXX must recall the account from Convergent and they have no legal reason to report on your credit reports and must delete.
Consumer complaint received 2017-07-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I had this loan since XX/XX/XXXX, the original amount was XXXX, ,a week before graduation, the XXXX XXXX XXXX XXXX, the state had taken the liscense away from the school through out the years i tried to pay when i could unfortunately i have medical issues due to XXXX and i was unemployed several times, i have tried many times throughout the years to ask for options with XXXX XXXX and navient at one point i was told my only option was i think it was a forebearance in which my loan sky rocketed to over {$9000.00} in XX/XX/XXXX i had a XXXX i went back to work part time XX/XX/XXXX i have been struggling medically and financially .XX/XX/XXXX i called and i spoke to XXXX a customer service rep i asked her about the ibr program she told me i had to put XXXX down or she could n't help me to call back when i had the money she also told me, she was going to take care of the ibr application i would have 0 payment till the following year and then i would have to do the ibr process again, i called back on XX/XX/XXXX i made the XXXX payment i thought everything was good till XX/XX/XXXXin XX/XX/XXXX i called navient and was told that i owe over XXXX because my ibr was never done, they wanted a payment of at least XXXX in which i do not have .Now my loan is in default for XXXX I have a part time and i still suffer issues from my XXXX
Consumer complaint received 2019-07-30
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: iQuantified Management Services, LLC (CA)

I was illegally balance billed by an XXXX ( XXXX XXXX XXXX of XXXX XXXX XXXX for an emergency XXXX  XXXX XXXX done in the emergency room at XXXX XXXX Hospital on XX/XX/XXXX. He was paid by my HMO but balance billed me for more . California 's Knox Keene act prohibits this and sets settling it between the doctor and HMO insurer. I sent a letter to the doctors billing department quoting the California law and its subsequent California Supreme Court ruling in support of it. 

I received a phone call from IQMS ( iQualified management services in Colorado ) on XX/XX/XXXX advising that it had been turned over to them collections. I advised the individual I spoke with that this was an illegal billing. She hung up and sent me a collection demand. I sent a detailed letter to them on XX/XX/XXXX describing the situation and the relevant law, and told them to cease and desist all communications with me. On XX/XX/XXXX, I received a letter from IQMS with a bunch of gobbledegoop billing stuff irrelevant to my dispute, violating the federal Fair Debt Collection Practices Act ( FDCPA ) since I had asked them to desist in calling, letter writing or any other contact. Included was a copy of my XX/XX/XXXX letter stating a cease and desist. 

The Knox Keene act specifically states that ER doctors must accept the HMO patient and if they dispute it, its between the provider and insurer and NOT the patient. 

Some of the goop I got back from IQMS claims that this is a " coinsurance amount ''. I had already exceeded my out of pocket maximum with my insurer prior to XXXX XXXX bill to me, so there can be no " co-insurance '' charged to me directly. 

I also had two contacts with XXXX XXXX, both of which told me it was not legal for them to make this collection and XXXX XXXX sent the doctor a letter advising him of such, which he ignored. 

If you XXXX XXXX XXXX XXXX you will see nothing but one star reviews regarding incorrect billing and practices.
Consumer complaint received 2017-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

I purchased XXXX Litecoins using Coinbase on XX/XX/XXXX. The currency showed up in my account on XX/XX/XXXX, however, after showing up in my account, my buy and sell activities became restricted for no apparent reason. After looking at my sign in log it does n't look as though someone was trying to access my information, and I even provided further identification with my drivers license with no luck. Its been 7 days and I want to be able to actually access my money. This may seem like poor customer support that just needs to be resolved, but several people on XXXX seem to be having a similar experience with Coinbase right now. I luckily only bought XXXX  litecoins for {$230.00} total. Some people have a lot more than I do, and do not have access to that money they bought, which is why I classify this as a scam. It does n't make sense that the day I receive my money, I can not longer buy or sell.
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (FL)

This complement is for :  RoundPoint Mortgage   Servicing   XXXX   XXXX   XXXX   XXXX , NC  XXXX  My loan :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX  Hi, My name is  XXXX   XXXX , RoundPooint gave me a   XXXX   % reduction to pay off my mortgage and they report to the creditors than I owe Roundport {$5000.00} back in       2014   XXXX  .   Loan #  XXXX  property address is    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  .   <P/> Roundpoint report my mortgage pay off as a short sale when they gave me a reduction to pay off my mortgage. And they reported the  Recording with  XXXX  county w rong. Which they are re-recording that 's what they told me and will ta ke 2 to 3 mo nths. Spoke  XXXX  refused to fix my credit with  XXXX . When I speak to them Roundpoint representative they tell me they did not reported as short sale.   I am not getting my issue solved by my self.
Consumer complaint received 2017-06-12
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. (NY)

Equifax still has information on my credit report stating past due student loan balance with  U.S. Dept of Edu. M y loans have been transferred to  XXXX   XXXX   XXXX  ; I been paying them since   XXXX  . My credit score is very low because of this entry.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2017-06-10
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. (FL)

I spoke with  XXXX  from  XXXX  in  XXXX  of    2016  about my vehicle. I advised him that I will no longer be keeping the vehicle as my grandmother had passed on her vehicle to me which has no payment. I received several calls from the dealership trying to convince me to keep the vehicle. On  XXXX / XXXX / 16 , my vehicle was finally picked up. Since this time the dealer and owner  XXXX   XXXX  has not followed proper protocol in selling the vehicle as required to satisfy any remaining balance at the time. Instead it has been intentionally reported as an open auto loan on my credit report with a rolling unpaid balance each month. I have disputed this account several times with the dealer directly, with Equifax and with the Flori da Dept of Agriculture. The dealer would verify falsely verify the item as correct. When in fact it is not. Equifax would not conduct a fair and reasonable investigation, but instead used  XXXX  although I requested otherwise by certified mail. There are numerous inaccuracies besides the fact that I no longer own the vehicle. The dealer is claiming to be holding a vehicle for me which is also false, this is an attempt to conceal the fact that he/they have not complied with the laws both State and Federal pertaining to debt collection and reporting.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2017-06-09
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. (AL)

Equifax Credit Bureau has  XXXX  negative marks on  XXXX   XXXX   XXXX  accounts on my credit report. Both accounts have a mark of 120 days past due for  XXXX   2011 . I filed  Chapter   XXXX  in  XXXX   2011 . According to the Bankrup tcy Laws, I s hould not have any negative marks against my accounts once the Bankruptcy was filed. The Bankruptcy is public record, so it should not be difficult to correct this issue. However, I have file several complaints concerning these issues. Equifax is reporting fraudulent information towards my credit report. Why ca n't this be corrected?
Consumer complaint received 2017-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I consolidated several of my federal student loans. At the time of consolidation, I was, and still am, working for a XXXX XXXX. I indicated this and inquired about PSLF at that time. I chose a repayment plan based on the information I was given. Unfortunately, this information was not correct. I contacted Navient last week to discuss how many qualifying payments I have made thus far given that I will reach my 10 year anniversary with my employer in XXXX. I was told that I made no qualifying payments and that I would need to change the payment plan and payments going forward would count toward the PSLF. This means that I will need to make 120 qualifying payments in order to reach this loan forgiveness eligibility. This has resulted in a severe financial burden that will now extend.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-08-01
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. (CA)

On XXXX XXXX, 2017, the consumer agencies, Experian, XXXX and XXXX mislead me using its own credit scoring they called FICO Score. In turns out that the Score reported to me by the above mentioned credit reporting agencies was not the score actually used to decide whether or not I got a Mortgage loan. In its advertising, Experian falsely represented that the credit scores it marketed and provided to me were " FICO Scores. '' In fact, I was turned down for an Mortgage Loan by several lenders because Lenders do not use the same Scores Experian, XXXX and XXXX sold to me. In fact there were significant differences of approximately XXXX points between the FICO Scores that Experian provided to me and the various credit scores lenders actually use. As a result, Experian, XXXX and XXXX  credit scores in these instances presented an inaccurate picture of how lenders assessed my creditworthiness. The result is I have been turned down for a Mortgage Loan.
Consumer complaint received 2017-06-12
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. (MD)

On  XXXX   XXXX ,  2017, cont acted Experian regarding dispute with  XXXX ,  XXXX  Experian did not properly investigating the validity of debt with  XXXX   XXXX   XXXX   XXXX   . I  notified Experian that I provided  XXXX ,  XXXX , documentation that disputes the information  XXXX   XXXX   XXXX   XXXX  initially provided and that information was not requested and inaccurate information was submitted to the credit bureaus.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX  XX/XX/XXXX 2XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX XX/XX/XXXX 4. XXXX XXXX/XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX. XX/XX/XXXX 8.  XXXX XXXX/XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX 11. XXXX/XXXX  XX/XX/XXXX 12. XXXX/XXXX XX/XX/XXXX 13XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-06-12
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. (WV)

XXXX   XXXX   XXXX   has harassed me at work stalked me and tried to sue me twice they also told people at my place of work that I wont pay my bills and follow me to car shows and tell people at car shows I owed them money and would n't pay it, for 2 loans that were signed over to someone else back in  XXXX . I bought a car off of a guy with a personal loan and took out a second personal loan for tires for the car. theses were  XXXX  and  XXXX  in  XXXX  I put the car up for sale the gentlemen that I bought it from wanted it back so we agreed he would take over the  2  loans he could have it back. we went to the bank the loan  officer  had us both sign paper work. They gave him a payment book in his name and it was suppose to be out of my name at that point. well he stopped payment on them and     XXXX   XXXX   tried to sue me bank in  XXXX  and lost the law suit. so I thought this was all done and over with. I checked my credit in  XXXX  they were still ruin my credit saying I owed for this loan I  XXXX  they try to sue me again and drop the case after I counter sue for {$5000.00} and court fees. I talked to the branch manager of  XXXX  WV and she told me we can see in the notes where this took place and  XXXX   XXXX  was suppose to be reliable for theses account but we cant find his paper work and we fired the women that done the loan transfer and the gentlemen that harassed and stalked you. they have damaged my credit big time!! because they lost the paper work on this guy is not my problem the loans were signed over to him.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.