davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

Hello, I contacted iq data international on XX/XX/XXXX about a debt that was owed for XXXX which we came to agreement to settle for XXXX dollars which XXXX was paid on the XX/XX/XXXX and remaineding would be paid on XX/XX/XXXX and as part of the agreement I would have this collection removed from my credit and I would get a email showing that I had pay the debt. On XX/XX/XXXX I did not receive a email showing that I had completed the agreement and paid the debt. I decided to contact iq data international which I was treated rudely when I spoke with representatives about sending the email that we had agreed on.i called several times during the day which all I was told that it would be sent by the end of business day. The business day ended and still no email and they are closed on the weekend. So I called on Monday XX/XX/XXXX and asked to speak with the manager XXXX XXXX extension XXXX who was very rude and unprofessional and told me should would not be sending my email as we agreed when I made my settlement. She said now I will have to wait 7-10 business  day in order to receive that I had paid.this company practices shady tactics and lies I have upheld my end of the agreement They need to be investigated and put out of business I have now lost XXXX dollars on applications denials due to them not sending the email.
Consumer complaint received 2019-05-01
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: Experian Information Solutions Inc. (GA)

Experian continues to refuse to lift my credit freeze. They keep sending me letters in the mail giving instructions to call the toll free number, submit the request online, or mail the request. 

I have mailed the request 4 times in the last year and the problem has NEVER been fixed. 

I have called the toll-free number. There is no option to talk to a person. I am given a voicemessage saying that I should submit online or via the mail. 

I have submitted the request through their online system dozens of times with the provided PIN code. The request is always rejected telling me to call the toll free number or submit via the mail. 

I submitted a complaint previously through CFPB and Experian 's response was call the toll free number, submit online, or submit via the mail. I still can not get the freeze removed from my credit report. What do I do now?
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX we returned our leased XXXX to a dealership in XXXX because our 3 year lease ended on that day. 
In XX/XX/XXXX I learned the the vehicle was never reported returned by that dealership and the dealership was unable to locate the vehicle. 
In XX/XX/XXXX we went to the dealership to find the car, but the vehicle was not found while on site. Later that day we received a call from the dealership indicating that the vehicle had been found and the dealership agreed to correct the problem. 
In mid-XX/XX/XXXX I received a letter from a collection agency regarding balance on the account. After speaking with the dealership this balance was removed. 
The issue is that the account seems to indicate that I had a past due amount from XX/XX/XXXX to XX/XX/XXXX, when the vehicle had been in possession of XXXX the whole time and there should have never been a past due amount on the account.
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

To Whom It May Concern, The reason for my dispute is I C SYSTEMS COLLECTIONS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEMS COLLECTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C SYSTEMS COLLECTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEMS COLLECTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where I C SYSTEMS COLLECTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report I C SYSTEMS COLLECTIONS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-09-23
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: REGIONS FINANCIAL CORPORATION (IN)

I have attached a copy of my FTC complaint stating the Regions Bank & XXXX XXXX XXXX XXXX are fraudulently reporting negative items on my XXXX report. I spoke with XXXX XXXX and she stated that they have not received the updated FTC report that I sent through the CFPB on XX/XX/2019. They simply closed it without putting in any further notation. I am once again attaching the documents as well as mailing it to its office at the address below. I demand that XXXX takes this complaint seriously and remove the items from my credit report. I will also be forwarding this to the FTC. 

XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

At the beginning of 2019, I called Capital One and had my payment Date changed from the XX/XX/XXXX of every Month to the XX/XX/XXXX of every Month. This is inline with my pay dates as well as budget constraints. 

On the XX/XX/XXXX, I called Capital One to make my XX/XX/XXXX payment. I was advised by recording I owed {$60.00} due XX/XX/XXXX. This is 1. not my payment date and 2.exceeds the minimum monthly payment. 

I than spoke to a frontline agent who kept advising she could do nothing and read a statement in regards to payment dates. I than escalated the call and spoke to the " Supervisor '' who stated " some '' cards had their payment dates changed. She also advised it would take multiple cycles to change my payment date back to the XX/XX/XXXX and that the XX/XX/XXXX would be my payment date going forward. 

This in essence puts me back to where I started Months ago. I will have multiple late fees on the account due to not being able to hit the 1st. payment Date and as such will not be able to change the payment Date. 

I would also like to know why my card was singled out from the rest to have the payments changed? Are the other people who did not have their Dates changed going to have late fees assessed as I am going to? 

I feel like this was a deceptive act to appease me by amending it originally, than moving it right back knowing I initially moved it for a reason.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (MA)

Barclay Bank processed a {$6500.00} personal loan for me. I destroyed the check as I changed my mind. This was in XX/XX/2019. 

I called their analyst department seven ( 7 ) times and was told they could fix it. Eventually they showed the loan as 'paid '. This was only last week. XX/XX/XXXX Meanwhile, they said I was overdue on a {$78.00} fee related to the loan. This dispute is now over 3 months old. 

Barclay has RUINED by FICO store. With every 'overdue ' Barclay reported to the credit agency I may be denied elderly/disabled housing I am applying for.

Barclay says they welcome letters to their complaint department and that it is their policy to respond ti complaints within Five Days ( 5 ) and in writing. I wrote them Six times  and have not received any response.
Consumer complaint received 2019-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (PA)

I FOUND A MEDICAL BILL ON MY CREDIT REPORT OF WHICH I NEVER RECEIVED ANY COMMUNCATION FROM NATIONAL RECOVERY AGENCY AND WHEN I TRIED TO CALL ON SEVERAL OCCASIONS NO ONE PICK UP THE PHONE I WAS ON HOLD AND NO ONE ANSWERED THE CALL THE FOLLOWING IS THE DATES AND TIMES AND HOLD TIME XX/XX/XXXX19 OVER AN HOUR TRIED BOTH LOCATIONS XXXX AND XXXX FROM XXXX-XXXX XX/XX/XXXX19-WAS ON HOLD FOR OVER 30MINS AND I  CALLED BOTH LOCATIONS AGAIN FROM XXXXXXXX-XXXXXXXX
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

On XX/XX/XXXX we returned our leased XXXX to a dealership in XXXX because our 3 year lease ended on that day. 
In XX/XX/XXXX I learned the the vehicle was never reported returned by that dealership and the dealership was unable to locate the vehicle. 
In XX/XX/XXXX we went to the dealership to find the car, but the vehicle was not found while on site. Later that day we received a call from the dealership indicating that the vehicle had been found and the dealership agreed to correct the problem. 
In mid-XX/XX/XXXX I received a letter from a collection agency regarding balance on the account. After speaking with the dealership this balance was removed. 
The issue is that the account seems to indicate that I had a past due amount from XX/XX/XXXX to XX/XX/XXXX, when the vehicle had been in possession of Toyota the whole time and there should have never been a past due amount on the account.
Consumer complaint received 2023-03-23
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$5800.00}
Consumer complaint received 2019-09-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A. (MI)

For the last two to three months I have been getting phone calls from CITIBanks office in XXXX, Telling me that IF do not pay them {$2000.00} they are going to put me in jail, take my home, and take my XXXX and XXXX checks!!!!! And they would also take faimly member to court and put them in jail! 

Starting in XX/XX/XXXX after CITIBank added 0s to my check that I sent them, changing them {$50.00} to {$500.00} and started moving funds in and out of my account to one of their fake accounts. I canceled their Credit card And paid them OFF! 

According to CITIBank in XX/XX/XXXX I was not a crad holder and there for did not get paid damages that they agreed to pay! Consumer Financial Protection Bureau ( CFPB ) Administrative Proceeding File No. XXXX,! 

In XX/XX/XXXX and XX/XX/XXXX I started getting calls for CITIBanks XXXX office demanding {$2000.00} OR they would put my in jail! They stop after I receive a latter from the local court! Cast No. XXXX. I paid CITIBank what I own them, BUT not the money that the illegally charged my CANCELED account from XX/XX/XXXXto when CFPB stop them in XX/XX/XXXX.
Consumer complaint received 2019-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (TX)

Filed Dispute on credit bureaus original creditor is XXXX XXXX XXXX XXXX XXXX {$1800.00} placed collections XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TRIDENTAM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRIDENTAM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX MIDLANDMCM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLANDMCM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2019-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Social Finance, Inc. (TX)

The company still has not processed my cashiers check and still charging me interest after confirmed receipt of a cashiers check. 

Also and most importantly, they still have not updated the 3 credit bureaus to show the large payment that nearly covers the entire account balance. Causing my credit score to be lower.
Consumer complaint received 2019-09-23
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. (GA)

Upon reviewing my credit report, I saw that I have 2 inquiries on my TransUnion report from XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX that I have not authorized. I made contact with XXXX and they advised me to make contact with the TransUnion because they have no way of removing this information. In the past 90 days, Ive sent 3 letters to TransUnion with the last one dated XX/XX/XXXX. The communication I received back does not acknowledge the unauthorized inquiries in question and stating that the dispute is complete. The letter only explains how to read a credit report and not showing results of the unauthorized inquiries. The inquiries are still remaining on my credit report as of XXXX XXXX, which is violating my Fair Credit Reporting Act.
Consumer complaint received 2019-09-23
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. (NY)

im very upset these people keepsaying I owe them a XXXX and a XXXX XXXX XXXX. I had neither on eplease remove this information from my report. Im really stressed out over these. I dont understand why. I have a languauge barrier I speak french but my writing is better than my speaking. The car and credit card telss me well its your credit bureau who reports. I need help deleting this I feel bcause I speak another language im being discriminated. Can this happen here? Pleasehelp its not mines