davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services (CA)

I contact the company that representing this collection account I try to negotiate a offer to pay this account all at 50 % and they refuse they are saying that is showing for collections account and its only showing three collections account on my credit report this is affecting my credit and Ive been trying to get this taken care of for several years and theyre charging me a daily feed it only showing three collections account and theyre stating that is a total of seven its not seven showing on my credit report is only showing three I am trying to pay this accounts off
Consumer complaint received 2024-02-25
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. (NV)

XXXX XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$550.00} written off. {$550.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$550.00} Balance updated XX/XX/XXXX Filed dispute for ID theft. Investigation was not done.
Consumer complaint received 2020-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

MY CONSUMER RIGHTS ARE BEING VIOLATED BASED ON SECTION 609 OF THE FCRA AND 15 USC 1692G. I HAVE NOT BEEN PROVIDED PROPER DEBT VALIDATION IE CONTRACTS THIS ACCOUNT IS HINDERING MY FINANCIAL WELL BEING EXTREMELY I HAVE CHILDREN IN WHICH I NEED TO PROVIDE A HOME NA D LENDERS DONT WANT TO GIVE ME A HOME BECAUSE OF THIS ACCOUNT
Consumer complaint received 2020-04-02
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately please. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} XXXX XXXX XXXX {$380.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TRANSUNION, YOU CAN NOT SAY DEBTS THAT ARE IN SOMEONE ELSE 'S NAME ARE MINE WHEN THOSE DEBTS ARE .... IN SOMEONE ELSE 'S NAME! .... AND THEN JUST ADD MY NAME, XXXX XXXX XXXX TO THOSE DEBTS. THAT IS NOT HOW THIS WORKS. XXXXTHAT IS ILLEGAL. XXXX You stated : IN THE CFPB report submitted on XXXX  " In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Name - ADDED '' XXXX XXXX XXXX XXXX-not mine and not even in my name. 
XXXX XXXX XXXX not mine and not even in my name. 
XXXX XXXX XXXXt mine and not even in my name. 
REMOVE ALL XXXX YOU ADDED MY NAME TO DEBTS THAT ARE NOT MINE INSTEAD OF VERIFYING AND REMOVING THOSE DEBTS THAT ARE N-O-T MINE AND N-O-T IN MY NAME. THAT IS ILLEGAL!XXXX
Consumer complaint received 2020-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

On XXXX, I had received a phone call from IQ Data International about a debt allegedly owed from a broken lease agreement. On XXXX, I sent a certified letter, and there was no response. 

On XXXX, I got a notification that from my credit agency that I had a debt in the amount of {$9800.00}. On XXXX, I sent a second letter, no response. 

On XXXX I began disputing this debt with the credit agencies as well. 

On XXXX ; IQ Data continues to call, but will not provide any validation of this debt. I did not owe the apartment complex any monies, as it was their decision to terminate my lease, not mine. Additionally, IQ data employees are stalking me on social media.
Consumer complaint received 2020-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My family has been affected by COVID-19, and I am taking responsibility of taking care of family members who are out of work. In trying to defer my car payment for the month of XXXX, CapitalOne has decided to not waive the interest fee on the car loan. This is a complete disgrace and shows that these big companies do not care about middle classed individuals during this crisis.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

For the past 6 months I have been writing letters, making phone calls and disputing my payment history and balance owed which reflects negatively on my credit report. XXXX XXXX  originally denied my request to apply for SCRA rights when I enlisted into the XXXX XXXX. The agent I spoke with stated that the loan came before I joined so I was not eligible. After disputing that and over paying for months I finally was able to get my account adjusted and backdated in XXXX of XXXX. I then asked for XXXX XXXX  to update my payment history and payoff amount on my credit report backdating to XXXX of XXXX. 

They corrected 2 credit bureaus but not the third.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I've reached out to contact you about the late payments on my capital one credit card. I do not recall making any late payments. Please send me the information you have on file for me validating the many late payments on my credit report. This information needs to include, the statement backing to when the account was open, the address on file for this account, the person on file for this account, and contact information.
Consumer complaint received 2020-04-02
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. (TX)

On XX/XX/2020 I contacted Experian by phone to dispute hard inquiries on my credit report that I did not recognize. The representative offered no assistance and informed me the law requires them to give my credit report to whom every request it. He also informed me Experian does not dispute inquiries and that I would have to contact the lender involved to have them removed. I am not a lawyer and I do not have the extra money to hire a lawyer to take care of this for me, I don't know the process or the steps I need to take to have these removed. I then asked the representative, why is it Experian is the only credit bureau that doesn't do this on the consumers behalf and his response was " we have a different interpretation of the law ''. 

My main complaint here is, Experian is acting on the lenders behalf and not the consumers. What I was told by the representative was, I could have my credit pulled any time by anyone without my permission and it would reflect on my report as hard inquires and Experian will not do a single thing about it. Is it not the credit bureaus responsibility to remove inaccuracies or was I lied to by a lazy representative? 

By the way I was able to dispute these inquires online without issue with the other credit bureaus.
Consumer complaint received 2020-04-02
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. (MI)

XX/XX/XXXX for {$93.00}. Called Chase about a charge. They said it was a re-accuring charge and to call the vender. I did. I thought i had this resolved. I made sure the account was cancelled. I got another charge next month and it was stopped by Chase. I called chase and they said they stopped the card. A month later, I looked at my bill. Chase re-started the card without my consent and this charge that was supposed to be stopped was billed along with several others. I called and was put on hold for 1.5 hours just to be told I needed to go to another department. On hold for another 1.5hrs. Just to be told to go to another department. On hold for another 1.5 hrs. By this time im ferrious. Of course, this person also said I needed to talk to another department. The phone call that was transfered dropped.
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (PA)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX XXXX  XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Consumer complaint received 2018-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: 77 Elite (AR)

On XX/XX/XXXX I called a number in which I found on an old department of student loan statement. 77 Elite also known as XXXX XXXX XXXX answered the phone. I spoke with XXXX XXXX who told me that the company would assist me with getting out of default with my loans, prevent the IRS from garnishing my income tax refund, and would set me up in a program known as the Revised Payment Plan. Under this plan, XXXX informed me, that I would pay approximately {$220.00} in principle payments for the next 10 yrs ( 120 payments ), and that after the 10 yrs is up I would be eligible for another plan known as a teacher loan forgiveness plan which would wipe out the remainder of my federal student loan amount on the principle, interest and that collection costs and fees would also be removed at the end of the 120 payments. XXXX stated all this would be done for a small fee of {$920.00} which was paid by me in three increments for the month of XXXX, XXXX, and XXXX. 

I called the XXXX XXXX XXXX XXXX, XX/XX/XXXX and was told that they have never heard of the company. I called the company and was told they have been around for many years and they urged me to fax in my limited power of attorney form. Yesterday ( XX/XX/XXXX ) 77 Elite/XXXX XXXX XXXX   also told me that my loans were being controlled by a collection agency known as XXXX XXXX XXXX XXXX XXXX and that I was accruing $ XXXX/mn in interest fees. 

Yesterday, after many called to the Department of Education, the Department of Justice XXXX XXXX XXXX, and the Department of Justice 's US Attorney 's Office I was told by XXXX XXXX ( XXXX ), the attorney that has my student loan case, that my loans are NOT being held by a collection agency. After my conversation with Attorney XXXX, I called the Department of Education to ask if 77 Elite or XXXX XXXX XXXX makes student loan payments for students. I was told that they have never heard of the company. As a result, I would like my {$920.00} back and this company exposed. 

Thank you for your support, XXXX XXXX XXXX
Consumer complaint received 2020-03-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp (CO)

Hello, I have a reoccurring monthly payment for my credit card consolidation loan. The monthly payments are {$300.00}. On XX/XX/XXXX, I called a spoke with customer service about making a payment larger than my monthly minimum. I asked for them to turn off my automatic payment so that I could make an online payment of {$1200.00}. In the recorded call I asked several times for the automatic payment to be turned off and I asked the customer service agent if my {$1200.00} would satisfy my XX/XX/XXXX payment requirement. He informed me that it would. On XX/XX/XXXX, {$300.00} was automatically withdrawn from my checking account. As a result, my checking account was overdrawn and I received a {$35.00} penalty. I called lending club. After waiting 45 minutes I spoke with a rep who said he could not help me. He transferred me to payment solutions. As my phone reach 2 hours and 1 minute of on-hold time, another customer service agent answered and informed me that this was not payment solutions. She noted my account and said that there was nothing they could do for me. She attempted to connect me to payment solutions and I was disconnected. I tried the entire process again and a third customer service agent informed me that my auto payment was turned off and that there was nothing else they could do. I did not authorize the XX/XX/XXXX payment and would like this returned as well as the overdraft fees I accumulate until this is corrected. the recored call on XX/XX/XXXX details all of the above stated. I attached a photo of my phone record for the 2+ hour phone call that was disconnected. Thank you for your help with this matter.
Consumer complaint received 2020-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect XXXX/XXXX  XXXX {$830.00} XXXX XXXX XXXX {$700.00} XXXX  XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXXXXXX XXXX {$6700.00} XXXX XXXX XXXXXXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$150.00}
Consumer complaint received 2020-04-02
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. (MS)

I'm in the process of buying a home. As I was at the bank the lender told me that the first step was to pull my credit to see what type of loan I was eligible for. The lender reviewed the report with me and he found derogatory items and several inquiries that do not belong to me. There is child support reported on my credit and it shows that the account is closed and paid for, but it is not mine. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a USBK COURT XXXX MISSOURI CHAPTER XXXX Bankruptcy on all three of my credit reports. I have challenged it with all three bureaus in last 12 months every time the bureaus say ask for it to be deleted from my credit file because it is not mine. But every time they say it is verified as accurate. I have asked for the method of verification and not got anything about how they verified Bankruptcy I have not filed bankruptcy in any state. I contract Missouri courthouse and got a letter back stating that they don't verify any information with credit bureaus.
Consumer complaint received 2020-04-02
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. (AR)

This is the first time I have ever had identity theft. I'm not sure the reason behind this, but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items. Thanks!
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with XXXX  the filing date is listed XX/XX/XXXX however Equifax lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on Equifax. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. 
XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX Equifax Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : XXXX
Consumer complaint received 2020-03-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

My mortgage has been with Fifth Third Bank since XXXX. My mortgage payments were {$2100.00} which included my taxes and insurance prior to XX/XX/XXXX. I received a over escrow check in XX/XX/XXXX from the mortgage company for over {$1000.00}. On XX/XX/XXXX I was notified by the mortgage company that my escrow was short {$3800.00}. They increased my mortgage monthly payments from {$2100.00} to {$2500.00} ( a increase of {$480.00} per month ) After talking to several customer service representatives I was told the mortgage company miscalculated my mortgage escrow. I was furious! How can a mortgage company miscalculate someone mortgage to this magitude! i wrote them a letter to which they have not responded.
Consumer complaint received 2020-03-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

EXPERIAN has a slew of inquiries on my credit report that don't belong to me and should be removed immediately ... ..I have had problems disputing these directly with the creditor and the credit reporting agency. I keep getting the run around ... .these need to be removed. 7 out of the 11 inquires should be gone! Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX/XXXX  ... ..
Consumer complaint received 2022-10-26
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. (MD)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.