davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (MD)

Company : Sequium Asset Solutions , LLC Date : XX/XX/2019 No money lost as I was able to identify the attempt to scam. 

XXXX contacted me saying I owed them money for bill that had been sent into debt collection for XXXX dollars from XXXX. They would not provide me a bill/statement or anything. They informed me I was in collections and I probably would not be able to pay bill directly with XXXX. I declined to pay and contacted XXXX where I was told the bill was not in collections and I paid it off in full on phone. I attempted to contact Sequium back when there automated phone answering service notified me I owed them {$130.00} associated with my account. The front desk/receptionist said no one was available to take my call ( they were on break or lunch ). Multiple calls over 2 hours and no one would take my call. I left message for supervisor to contact and no one called me back either. I requested a statement showing XXXX balance from company and they refused saying it would be 2-3 business days before anyone could reassess it. They never would provide me a statement/invoice/bill of any kind. 

XXXX declined knowing this company and currently I have no way of controlling how this company got my information nor what the {$130.00} the automated phone system says I owe is about. The receptionist said it was error but no one would clear it or provide me proof of said money owed. 

Please investigate this business as it is predatory fraud scam that uses threat of credit reporting to extort money from unknowing citizens. XXXX declined any knowledge of this company and I have perfect payment record and credit in my financial my history. Please review the XXXX XXXX XXXX nurmerous complaints very similar on how this company attempts to extort money. I am more concerned they have my information in their system without my approval or knowledge.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (CA)

This company continues to report negatively against my credit both during a home loan modification process this past XX/XX/XXXX. Additionally, this company has refused to report payments received since XX/XX/XXXX. The company refuses to furnish the home loan modification agreement and is reporting my payments for over a year as unpaid. This company refuses to answer or return calls. I have been told that I have a " case manager '' overseas in the XXXX and have never spoken to anyone directly. This company continues to commit FRAUD against my credit report and collect monies that are not applied to my account. I have filed complaints over the past year with PHH mortgage and have not received a single follow up. Today I was on hold for 2 1/1 HOURS and have not received a single follow up. HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NY)

I opened a credit card that was supposed to come with benefits. None of the benefits were received. Immediately upon opening the credit card I called AMEX to confirm I would receive the benefits of the card, most specifically the platinum elite status with XXXX and was told this could take some time. That is not in the terms and conditions of the card that it would take some time. The terms and conditions state that when the card is opened I am platinum elite with XXXX. I called numerous times to AMEX to try to convey to XXXX that I have this card spending over an hour and a half on the phone on XX/XX/XXXX. Please listen the calls. At the end of the hour and half I said I was dissatisfied that my problem could no be solved ( I did not show as platinum elite in the XXXX system online ) and I was put on hold and then disconnected. Terrible service.
Consumer complaint received 2022-11-12
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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.

Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 reports containing any of the following items of information any other adverse item of information, other than record convictions of crimes which antedates the report by more than 7 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 2019-12-11
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

On my credit report, it showed that I missed a payment of {$230.00} in XX/XX/2019 I believe. I later paid the bill when I logged into my Nissan online account and saw that it hadn't been paid yet for that month. Nissan always sent me a monthly bill in the mail reminding me of my monthly bill approaching. But I did not receive a bill in the mail the month of XX/XX/2019. I only later found out when I logged into my online account to check my lease maturity amount later that month. I never missed a payment for this vehicle lease for the entire contract period, and also paid off my lease in full after that. This was the only time I missed a payment, and it was because I never received a bill in the mail like I did every other month reminding me of my upcoming monthly payment.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX  balance is XXXX incorrect information. XXXX XXXXl has a XXXX balance but incorrect information. XXXX XXXX XXXX balance with incorrect information. Portfolio recovery XXXX have no ideal about this account.
Consumer complaint received 2022-10-03
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is reporting three ( 3 ) inquiries I do not recognize : XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-12-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo Dealer Finance called my phone three times after speaking with my wife and verifying a payment had already been made. There were four total calls to my phone starting at XXXX XXXX, another at XXXX, then two within 30 minutes of each other at XXXX and XXXX. I advised them again that my wife spoke to them earlier in the day and they said, " Ok, have a good day. '' Only to call back the last time at XXXX. This is harrassment in the most basic form. This practice is more than harrassment, as there were three calls in an hour with the account having over five total calls in one day.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
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. (SC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tesani Management Inc (UT)

They allowed me to make an arrangement for a payment on my account, and I advised them to take the funds on a specific date, to which they agreed to, but failed to do so. They're now messaging and emailing me repeatedly demanding that I fix the issue when it's not my fault.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-07-13
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. (IL)

I have disputed 4 accounts with Experian at least three times. The first time I disputed the accounts and Experian verified and the accounts remained despite inaccuracy. The second time I disputed the accounts and provided documentation and Experian corrected the balances to reflect 0 but failed to correct the account statuses. I disputed for a third time and provided the same documentation via an up load to the website for documentation and mailed in hard copies and they have verified the accounts again and Experian continues to report an incorrect status of the account.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (IN)

For the last few YEARS I have told all three credit bureaus and the credit agency that the information for these accounts is false. They keep saying do a dispute and then I do and they never correct it. In XXXX 2016 I was the regional property manager for apartments in XXXX KY. XXXX ( cable and internet provider ) wanted our business. My property managers all decided to give them a try. Because I was the regional I had to give it the okay. They put it as a personal account instead of a corporate. They have me under XXXX XXXX. And they are charging me several different bills for this corporate account I have tried repeatedly to have this fixed but to no avail. And they have the wrong dates on my credit report as well.
Consumer complaint received 2019-12-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc (CO)

I received a letter in the mail, addressed to " XXXX XXXX '' but our address. From Syergetic Communication , Inc. XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX. It said we owe XXXX XXXX {$950.00} but that we could " settle '' by XX/XX/20 for {$280.00}. We do not owe that to XXXX, we never have and never carry a balance on anything. Called XXXX to make sure we were good and they said we were fine and they did a search under mine and my husband 's socials and there weren't any other current accounts for us. Checked credit report- everything was fine. And even checked our credit union account and that was fine as well. The address we are supposed to mail the payment to is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ID XXXX. I looked up this company and the XXXX shows them doing this to many other people as well. It's a money scam and fraudulent. Won't contact them as I don't want to give them any of our info and I saw from the XXXX that contacting them is pointless. We don't have any debt at all and sending a threatening letter to us is wrong. The supposed account number on the letter is something I have never seen before and haven't heard of. I added it on the next page but I know nothing about it. Doubt they do either as our names are nowhere on here- they just ate getting to scam us into paying.
Consumer complaint received 2019-12-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have twice disputed this account that appears in my credit which I am not the owner or responsible for the mentioned account. I need this to be removed as it is affecting my credit for me to continue uploading it. 

Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$3500.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$140.00} Credit Limit {$3200.00} Highest Balance {$3500.00} Terms NA Payment History show tooltip button Tap a month for more information Show legend XX/XX/2019 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 XX/XX/XXXX OK XX/XX/XXXX Historical Info First ReportedXX/XX/2019 Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Comment show tooltip button Account previously in dispute - investigation complete, reported by data furnisher Your Statement show tooltip button Y ITEM DISPUTED BY CONSUMER Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX. 

Balance History show tooltip button XX/XX/XXXX {$3400.00} Balance {$130.00} Scheduled Payment {$0.00} Paid on XX/XX/XXXX
Consumer complaint received 2017-09-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: REGIONS FINANCIAL CORPORATION (FL)

on XXXX XXXX, XXXX my loan balance at XXXX XXXX was XXXX on XXXX XXXX XXXX it was XXXX over 300.00 dollars in fees, i callled them to explain i was in XXXX XXXX XXXX they refused to take fees off they are discharging accounts in florida, this is scam that XXXX XXXX is doing..
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: Trident Asset Management, L.L.C. (FL)

Trident Asset Management {$610.00} I was a victim of idenity theft someone open accounts in my name. I notifty the company with a dispute letter and send in A ftc report it been over over 30days still no reply. They remove it then add the debt back on again.
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/XXXX we made our monthly payment ( on time ), on XX/XX/XXXX we received a call from Mr. Cooper that we had NOT made our XX/XX/XXXX payment and if we didn't pay that day we would be turned in to the collection and it would affect our credit score. Not able to figure it out that day, we went ahead and paid it to avoid collections and credit hits. On XX/XX/XXXX I called Mr. Cooper and was told I needed a letter from my back showing both payments. I provided this. Turns out the XX/XX/XXXX payment shows on our account as a STOP PAYMENT and was returned to a back that is NOT ours. We did not get the refund and have showed all our back statements that prove this as well as Mr. Cooper called our bank and verified directly with them that we were not refunded this payment. I have spent hours ( at least 20 documented ) telling and retelling this to their customer service who escalates it only to never hear back. We were lied to and we have all the documents to prove it. We need our money refunded for the 2nd payment they told us we had to pay in XX/XX/XXXX. I have since made XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ON TIME as  well. Please help!
Consumer complaint received 2022-11-12
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-12-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (CT)

XX/XX/2019 XXXX EST - Returned call to Iq Data International - Informed that debt was owed by " XXXX XXXX '' - Requested debt verification letter regarding details, but " XXXX XXXX '' persistent that debt be paid immediately, prior to office closing at XXXX PST. Agreed to phone call return in 30 minutes. Stated that letter was sent to erroneous address on XX/XX/2019 and that they would sent to corrected address - Phone call made and then transferred to manager " XXXX XXXX '', requested receiving debt verification letter prior to acting on alleged debt citing " Fair Debt Collection Practices Act '', *audio recording available. 
- Aggressive response stating that by not paying debt at time of phone call, despite not receiving above letter, that he would mark encounter as refusing to pay, and would start making marks against credit score, lasting up to 7 years, and that when the debt was settled the marks against credit score would not go away.