davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

In XXXX, 2018, I was contacted by IQ DATA via telephone, regarding an account, about which I had no knowledge. I immediately informed them that the account must be a mistake or error and requested that they verify the validity/origin of the debt. Initially, the operator I spoke with couldn't tell me much about the alleged debt, except the original source - XXXX XXXX XXXX. I explained that not only did I not owe promenade towers anything, but I actually never got my deposit back from them when I previously moved out of my apartment, so if anything, they owe me some money. I said this in a phone call they recorded the very first time I was contacted by them. 

The operator went over after-move-out charges with me, that totaled less than my security deposit and when I pointed out that this might've been where the arithmetic error occurred ( perhaps turning a negative number to positive, I'm not sure ). I was informed that " there must be more charges somewhere. '' Well, I again asked that they verify and validate that in writing with me. I sent my request in writing and what I received back from IQ data was merely a copy of the document acknowledging that I do not owe any money. Rather, I am owed money. This math has been stated by IQ DATA, and confirmed in writing by their own documentation, which I have included  here. Yet they are still saying that I owe them money. 

Again, individual operators have admitted to me that the math doesnt add up, but they still continued on with saying that I owe money. 

Page 2 of the attached document that I received from IQ Data shows my security deposit in the amount of {$530.00}, and after-move-out charges in the amount of {$63.00} for countertop replacement, {$48.00} for painting and {$200.00} for rent ( {$310.00} total ), I am owed {$210.00}.

I have twice pointed this out to IQ Data and have not heard anything from them in months. It has been far longer than thirty days and they have failed to verify or validate that I owe them any debt, which they are required to do according to the FCRA. They have instead demonstrated and admitted on multiple occasions that I am owed {$210.00}. Therefore, this account is fraudulent and should not be on my credit report and I ask that it be removed immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023 I submitted a complaint about Transunion investigation into XXXX XXXX XXXX reporting on my credit report. After I sent Transunion a dispute letter I received a letter from XXXX this letter was not validation of the debt with my wet signature it was instead a letter asking to call. I requested validation of this debt via signed contract.
Consumer complaint received 2019-01-17
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: SCA Collections, Inc. (FL)

Re : XXXX XXXX acct. # XXXX and SCA Collections XXXX  acct. # XXXX Dear Sir or Madam, Your company received notification from the following credit bureaus ; XXXX, XXXX, and XXXX  explicitly stating that I am a victim of identity and that debts incurred with your company are indeed fraudulent. You were sent copies of an identity-theft report filed with the federal trade commission along with an sworn identity-theft affidavit from all three credit bureaus. Unfortunately, these debts are still being reported on my credit reports. Having debts reported that I am not responsible for shall be deem as defamation of character and considered inaccurately reporting debts to consumer reporting agency 's. With that being said, you are in violation of the FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. Continuously, having debts reported that I DO NOT OWE is a misrepresentation of my true creditworthiness. Failure to removed these debts within fifteen days from my credit report ( s ) shall lead to complaints filed with the XXXX XXXX XXXX and a class action lawsuit for various violations of the fair credit reporting and the fair debt collection practices act as follows reporting inaccurate information, defamation of character, and punitive damages for receiving unfavorable terms on loans due to your reporting of inaccurate information on my credit report ( s ) Thank you.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

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. 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 an 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. The list of Collections below should not be 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/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX / 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 2023-03-21
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-12-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Premier Auto Credit (CA)

XX/XX/18 or XX/XX/18 Called company advised that car has been in a flood. Gave company claim number info. Stated will most likely be a total loss due to the water level it was over the vehicle. 
XX/XX/18 PAC called after the vehicle was deemed total loss in regards to past due payment. Told them they are receiving payment in full from the insurance company and that vehicle is a total loss. Rep had little concern over the vehicle ( Asset ) being a total loss and was more interested in securing a single payment to bring account current. I had already given claim info with insurance info. Informed them it was a total loss at this point and insurance would be making a payment. Told me I still need to make a payment. Told them no, rep replied will see and hung up. 
XX/XX/18 Called company to give updated info was referred to claims department with contact info. 
Hours later I received a collection text message stating to avoid additional procedures such a collection then I need to pay by XX/XX/XXXX. The date is XX/XX/XXXX so this is clearly over eleven months away. 
Called company back to speak to claims department to give additional info in regards to the insurance claim on the vehicle. The receptionist transfered me to collections instead, Collections asked how can I help you. I stated is this claims they stated no. Stated they were busy. Proceeded to tell me to make a payment. Advised rep again vehicle is a total loss and they will be receiving insurance payment soon. Rep was not interested in receiving information in regards to Vehicle ( asset ) or info in regards to an insurance payment to the loan. Rep was  hyper-focused on a monthly payment for the asset. Told rep I was done talking to him since conversation was repetitive and non productive. 
Company has been harassing in regard to a vehicle that is already deemed a total loss. intentional lack of communication between collections and claims department at company.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (LA)

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-21
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. (UT)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
SEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE (NJ)

I'm contacting the CFPB because I was not educated or informed about my legal rights and my original debt is with Barclay 's Card not XXXX XXXX XXXX or XXXXXXXX XXXX   XXXX - they sent a letter to my old address on XX/XX/XXXX and I moved XX/XX/XXXX. Just like they know where I work and harass me with wage exectution letters now they knew where I lived. But they mailed it there almost a year later, why? The only reason I contacted them XX/XX/XXXX was to dispute that I don't owe them. I was mislead, misinformed and was unaware of my legal rights with the FTC or CFPB. They have tactics and was around legal laws in New Jersey and I do not think it's fair what they do. I will continue to fight them because the obligation is with Barclay 's  Card and not XXXX XXXX - they purchased a debt on pennies on the dollar and they sought XXXXXXXX XXXX XXXXXXXX for legal debt advice to come after me for a debt i don't owe them.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (GA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2018-12-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Northstar Location Services, LLC (NJ)

Received a collection letter from NORTHSTAR LOCATION SERVICES LLC XXXX XXXX XXXX XXXX NY XXXX PHONE XXXX XXXX XXXX   CREDITOR XXXX XXXX XXXX ( PAYDAY LOAN ) BALANCE DUE {$2100.00} I ASSUME THEY PURCHASED THIS LOAN FROM XXXX XXXX/ PAYDAY LOANS ARE ILLEGAL IN THE STATE OF NEW JERSEY UNDER CONSUMER LOAN ACT , N.J. Stat. Ann. tit. 17, 1 et seq., N.J. Stat. Ann. 2C : 21-19., N.J .

Ann. 17:15A-47 They are attempting to pursue a judgement on an illegal loan.

The loan was for XXXX  I have paid $ XXXX.Principal balance left {$980.00} I will be sending certified letter to them stating they are in violation of NJ LAW FOR PURSUING COLLECTION OF AN ILLEGAL LOAN
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

I was told by the originator that I should expect a certain payment and closing costs that would be rolled into the mortgage product. This was all based on my estimated value of the property in Washington DC. The appraisal came back lower than my estimate and I warned the originator that using the an appraiser who doesn't do appraisals in my area would render my property much less valuable. 

Instead they're now telling me that I'll need to bring XXXX to closing to cover the difference in the estimate. I don't have XXXX to spare. My wife and I are XXXX our XXXX XXXX and for this company ( Amerisave Mortgage ) to pull this is ridiculous. What makes it worse is that  XXXX XXXX recommended Amerisave through their website. I'm considering filing a complaint against XXXX XXXX as well. 

I also had lots of trouble reaching my loan originator once I realized they were trying to have me bring XXXX to the table. He wasn't answering my questions nor forthright once this was revealed.
Consumer complaint received 2023-03-19
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: EQUIFAX, INC. (FL)

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I did not agree, nor do I know of all of these inquires on my credit report I believe these inquiries are fraudulent.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I reviewed my credit reports with XXXX, Equifax and XXXX and found that all of the inquiries on each of my credit reports were a result of identity theft. I have not applied for credit in several years and contacted each of the credit bureaus in order to have these inquiries removed. I have not heard back from any of the credit bureaus regarding these matters. I have also asked the credit bureaus to place a fraud alert on my credit reports to ensure that nobody is using my social security number without my consent. 

Furthermore, I have an auto loan that I co-signed from XXXX XXXX  which was reported as being late after the Coronavirus CARES Act passed which bars the reporting of late payments on my credit reports as I was unable to go to work because of the mandatory government and business shutdowns. As such, I have been working with XXXX XXXX  to apply for a forbearance on this Auto Loan for over a year. I am not sure why it was reported late at all considering these facts.
Consumer complaint received 2021-04-14
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. (NY)

I reviewed my credit reports with TransUnion, XXXX  and XXXX  and found that all of the inquiries on each of my credit reports were a result of identity theft. I have not applied for credit in several years and contacted each of the credit bureaus in order to have these inquiries removed. I have not heard back from any of the credit bureaus regarding these matters. I have also asked the credit bureaus to place a fraud alert on my credit reports to ensure that nobody is using my social security number without my consent. 

Furthermore, I have an auto loan that I co-signed from XXXX XXXX  which was reported as being late after the Coronavirus CARES Act passed which bars the reporting of late payments on my credit reports as I was unable to go to work because of the mandatory government and business shutdowns. As such, I have been working with XXXX XXXX  to apply for a forbearance on this Auto Loan for over a year. I am not sure why it was reported late at all considering these facts.
Consumer complaint received 2022-07-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I realized I needed to replace my car. It was suggested I investigate using some equity in my home to finance the car. I am a XXXX XXXX, retired and do not have much banking and loan knowledge. I used the Internet and found many companies offering home equity loans. I clicked on XXXX XXXX XXXX trying to find out what the interest rates were. I feel that I was tricked by this company. I entered information that the page requested. I simply wanted to see the interest rates. XXXX XXXX XXXX did a Hard Credit Inquiry on me without my permission. Their webpage does not disclose that not only are they doing a hard Credit Inquiry but they take any information request as an Application for credit! Then I got an email from XXXX XXXX XXXX saying they were working on " my application '' and I NEVER applied for anything. I also received an application package in the mail. It seems that requesting information to XXXX XXXX XXXX is some sort of Contract of Adhesion in their minds. I was shocked when I got an immediate Alert from Experian. I called Experian and was told I needed to call XXXX XXXX XXXX to get that Hard Credit Inquiry removed. I did that and was treated rudely by 2 different employees of XXXX XXXX XXXX and was told they refused to remove the Hard Credit Inquiry. I called them and emailed them and said I NEVER applied for a loan and I was not going to apply. I contacted the XXXX XXXX XXXX and received a response from XXXX XXXX XXXX denying my request to remove this Hard Credit Inquiry. Experian will not allow disputes over Hard Credit Inquiries and has not responded to my complaint with the XXXX XXXX XXXX. XXXX XXXX XXXX took advantage of my simply researching rates and now my Credit Score is impacted. I need your help, please.