davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

IQ Data International, Inc is falsely representing the amount of alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ). 

I have disputed the validity of this debt with XXXX  and XXXX. Unfortunately the companies simply parrot IQ Data International 's position that the account was " validated ''. 

This is unacceptable as I requested a real investigation several times. This includes a request for furnisher to provide original documentation with my signature and also a itemization of how the alleged debt was calculated. Neither the original furnisher XXXX XXXX or IQ Data International has provided me with an answer. 

My family and I have been homeless over the years because I was denied a real investigation into this matter. They ballooned the debt no sooner than we let the settlement ink dry and they received my {$2000.00} back in 2014. 

Please note I continued to pay XXXX XXXX on a month to month lease basis as the owner of the property had no problem with me once a settlement was reached. I have proof I left the property owing nothing from that transaction. 

It is my belief XXXX XXXX did not pay the owner in accordance with the settlement terms and upon me leaving the property XXXX XXXX XXXX, immediately attempted to doubled the amount the alleged debt it claims I owe. 

I have court documentation proving that I paid over {$2000.00} dollars on this alleged debt back in 2014. XXXX XXXX should also have a copy and has refused to submit anything relating to the court settlement which is outrageous. XXXX XXXX has violated my rights by fraudulently inflating the alleged amount owed after our court settlement in 2014. Furthermore I was not notified that XXXX XXXX sold the alleged debt to IQ Data International. 

IQ Data International having detailed knowledge of my complaint has also ignored my request for an itemization of the debt. This is clear opportunism and unless IQ Data International can provided an accurate itemization of monies paid via the court settle in 2014 it purchased a debt that was inaccurate. To continue to report on the alleged debt after having knowledge of errors is a violation of federal and state law.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (OR)

The bank XXXX XXXX XXXX  checked my credit score without my authorization. 

XXXX XXXX XXXX  obtained a copy of your Equifax Credit Report. 
New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application.
Consumer complaint received 2023-01-06
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. (CA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried to get my annual free credit report today XX/XX/2020 at XXXX EDT from TransUnion and was unable to get it from either the website or telephone as I am allowed to by law. The website said I failed to answer the verification questions correctly ( because none were accurate to my history ), and the phone option didn't work because a representative never answered the phone after 30+ minutes.
Consumer complaint received 2020-06-13
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. (CA)

I uploaded a letter to Experian disputing an item on my credit report that had reached Statute of limitations on XX/XX/2020 for the state of California. I submitted this dispute with Experian for a XXXX XXXX XXXX XXXX   account, on XX/XX/2020. The results that Experian sent back to me on XX/XX/2020 are unclear and resolved nothing.
Consumer complaint received 2020-06-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Per the fair credit reporting act, I requested that the credit bureaus send me documents verifying an account that is on my credit report. It was mailed on XX/XX/XXXX, I still have not received a response.
Consumer complaint received 2020-04-13
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: CITIBANK, N.A. (IL)

# XXXX items purchased for {$90.00}, {$53.00} and {$110.00} on XX/XX/21. 2 items returned XX/XX/XXXX and 3rd item  returned XX/XX/XXXX ( could not take them to store for faster credit due to Covid-19 as the stores were closed ).  Refund of {$90.00} has been supposedly processed as a credit 3 times including today. They claim this item is still sitting in their warehouse as unprocessed. Item for {$53.00} was credited but still shows on balance through Macys/XXXX XXXX XXXX. Item {$110.00} has been successfully credit to account. When I look at Macys.com the balance finally shows XXXX but when I call in to them to talk about it, I am told by their automated system that my balance is still {$140.00}. Please help!!!
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (GA)

I have been trying to have a rollover check return to XXXX  or XXXX  to complete the rollover I have sent documentation that this is a disbursement for a XXXX rollover. XXXX has given me all that they could to get the funds return. the check has been cash and put into an account according to chase bank. I don't know what to do to get those funds back and XXXX has been more than helpful. I just need help to have my funds release to complete rollover.
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC. (FL)

Capstone collections working for XXXX XXXX I moved out 1  month early due to loss  of employment I gave XXXX from XXXX XXXX my forwarding address where I could be contacted I left the house in move in ready condition and forfeited my deposit. XXXX never contacted me over a year later Capstone reporting on my credit for 5k plus. I called XXXX XXXX asked for documentation they can not provide it to me I called Capstone with documentation of charges they can not provide to me. I never received certified mail stating charges that needed to be paid I moved out XX/XX/XXXX lease was up XX/XX/XXXX had been a great tenent for almost 2years
Consumer complaint received 2020-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Mediation Service (LA)

On XX/XX/XXXX, I received a call from XXXX ( XXXX XXXX XXXX. Someone named XXXX left a voicemail stating she was calling on behalf of Southwest Mediation Service and a potential civil action would be taken against me. She also called my parents home phone and left the same message. I called back and left a voicemail. I called back again, and XXXX answered. She explained that it was an alleged debt from XX/XX/2012 and the client was taking civil action. She was very rude and belligerent and hung up on me. I called back to try to speak with a manager, and there was no answer for two hours. I left a voicemail stating that I did not want to be contacted by that person again. When I talked to her again a short while ago, she called me rude, ignorant, and told me the case was escalating to her client XXXX   something magazine.
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

Nissan Motor Acceptance Corporation ( XXXX ), has wrongfully repossessed my vehicle and kept my personal property in the repossessed vehicle in which I never got back ; These actions violated my consumer rights pursuant to the Consumer Financial Protection Acts prohibition against unfair and deceptive acts and practices. After doing some research here in the cfpb website I read that the consent order required XXXX to provide up to {$1.00} million  of cash redress to consumers subject to a wrongful repossession, credit any outstanding account charges associated with a wrongful repossession, and to pay a civil money penalty of {$4.00} million. It also imposes certain requirements to prevent future violations and remediate consumers whose vehicles are wrongfully repossessed going forward. I was never provided remediation for the violations against me by Nissan Motor Acceptance XXXX XXXX ). XXXX has also defamed my character whilst furnishing improper and inaccurate information to consumer reporting agency they currently have the alleged debt on my consumer report as a charge off I never received any of the proper paperwork they were to submit to me including the pre sale letter nor a 1099-c cancelation of debt which is according to the internal revenue service is supposed to be classified as income for the consumer in which income does not belong on the consumer report. They refuse to meet remedy as well as remove the inaccurate information from my consumer report.
Consumer complaint received 2020-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Today XX/XX/XXXX called about a check that was deposited into my account a month ago on the XXXX. It obviously was not me because it was miles away from where I am. Wells Fargo also allowed them to bypass the security and take out XXXX. They submitted a check that was so obviously forged that a baby could tell. During this call I was told they couldnt do anything About my claim because I had already opened a claim last month and it was still on going. I went and checked online and the claim was closed with nothing done to it. This is XXXX XXXX  we are talking about.
Consumer complaint received 2020-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

ON THIS DATE XX/XX/2020 I CALLED THE WELLS FARGO HEADQUARTER CEO OFFICE REGARDING A TRANSACTION I FILED WITH THE BANKER NAMED XXXX WAS ABLE TO SIT UP A CLAIM FOR ME AND GIVE ME A CLAIM NUMBER. XXXX STATED TO LET THE CLAIM SPECIALIST KNOW NOT TO PUT THE DEBIT CARD ON HOLD. IF ANYONE LISTEN TO THE RECORDING OF THE CONVERSATION I NEVER STATED TO XXXX THAT I WAS REPORTING A FRAUD. MY DEBIT CARD WAS IN MY POSSESSION. IN FACT I MADE A PURCHASE AT XXXX STORE ON SATURDAY XX/XX/2020 ATER THE TRANSACTION THAT WAS ACCIDENTLLY MADE BY ME TO XXXX FOR {$14.00} THE NIGHT BEFORE. WHEN I SPOKE TO XXXX ABOUT NOT BLOCKING MY CARD AND THE INSTRUCTING GIVEN TO ME FROM THE EXECTIVE OFFICE, SHE INSIST BLOCKING MY CARD ANYWAY. MY DEBIT CARD IS NOT LOST OR STOLEN. THE CARD ID STILL IN MY POSSESSION AS OF THE ABOVE DATE
Consumer complaint received 2020-04-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$130000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (IL)

I believe I am victim of XXXX XXXX. My identity was leaked in the XXXX data breach. I disputed these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX, XXXX and XXXX. However, the accounts have not been removed from my credit report. I have attached the XXXX XXXX report to this report. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$130000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS.
Consumer complaint received 2020-04-13
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. (AR)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I made a deposit of XXXX from one bank account to another by writing a check and using mobile deposit on XX/XX/XXXX. I make this same transaction often. Truist has put a hold on it and will not release funds until XX/XX/XXXX. I called the issuing bank ( this is a money market account through XXXX XXXX via XXXX  XXXX XXXX ). They have debited the funds from that account and see no reason for it to be held. They said it looks like a normal transaction. I tried calling Truist. Their customer service agent didn't seem to understand the question and tried to explain that funds were available the next day. When I explained there was a hold on it, he put me on hold and after 5mins they hung up on me. They seem to be unable to explain why there is a hold and no funds have been released.
Consumer complaint received 2020-04-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION (NY)

Having a Problem Trying to Open a Saving Account With M & T Bank Online XXXX, you will need to visit a branch to open your new account Sorry, we couldn't confirm your identity at this time. Please visit a branch to open your new account. 

Remember to bring the following items to the branch : Government Issued ID Your social security card Proof of your address Find an M & T Branch near you All M & T Branch are Closed and i cant open My Saving Account Online i Contact M & T Customer Service and they are Unable to Open My Account Over The Phone Due To COVID-19 All M & T Branches are Closed and am not able to Open My Saving Account Into My Existing M & T Bank Account Please Help
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

Springleaf has reviewed my account and repurchased the judgment from XXXX. Also, Springleaf is vacating the judgment and assuring me that there will be no additional attempts to collect the debt. This information has not been updated to the court house of XXXX to remove the Lein, I am trying to purchase a home but can not due to Judgment still on my credit report also have not been removed from the court house. I have tried to contact Springleaf- XXXX XXXX XXXX at XXXX but he will not return any of my calls. As you can see they stated they are vacating the judgment but it has not been done.
Consumer complaint received 2020-06-13
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 — Investigation took more than 30 days
Company: Commonwealth Financial Systems, Inc. (FL)

HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.