davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Fidelity LP (NY)

The company name XXXX XXXX, sent unsolicited mail package, and then periodically kept mailing {$49.00} bills. According to the Federal law, a company can't send bill or debt collection notice for unsolicited order. However, a debt collection company, named Universal fidelity LP, on behalf of the aforementioned company ( contact address below ) keep mailing to pay up for the unsolicited item. In this era of XXXX no company ever send out packages/shipments to the recipient without credit/debit card information on file. I never ordered anything from XXXX XXXX, didn't even hear their name before receiving the mail. This is a clear case of scamming scheme. Please take action to prevent unsuspecting civilians from this type of scammers. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX Universal fidelity LP XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-03-21
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. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2020-11-11
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: Experian Information Solutions Inc. (IN)

on XX/XX/2020 I mailed in dispute letters to XXXX, XXXX  and Experian. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. I am also a victim of the XXXX  data breach.
Consumer complaint received 2016-01-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (TX)

I was in a business XXXX XXXX and we were approved for a loan using a CD as collateral. after the partnership dissolved, we were unable to continue paying loan and the bank used the CD to pay the outstanding balance. It has been over 7 years and the negative scar is still showing up on my credit report. It shows as a " charge off '' and has a zero balance. how do i remove?
Consumer complaint received 2022-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

Earlier this year I received a letter from Wakefield and Associates for a collection account owed to them. I have no knowledge of the debt and believe the debt is not mine. On XX/XX/22 I sent a request for validation by certified mail. I have not received a response from the company and the debt has not been validated. The amount of the debt is for {$170.00}. I provided copies of my letter and certified letter receipt to all three credit bureaus. The only one who has not removed it has been XXXX. The company has not complied with my request and its negatively affecting my credit. I can not pay something I have no knowledge about.
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2019-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2019 I hired a guy ( XXXX XXXX ) who pretended to be a local contractor to install laminate in my house. He asked me {$500.00} upfront to cover some expenses which I transferred him the same day via XXXX network available on my online profile at Chase bank. The day he supposed to start his work he texted me that his car got broken and he needs more money, I transferred him {$500.00} on XX/XX/2019 via XXXX. Since that time he disappeared, not picking up his phone ( XXXX ) not answering messages on XXXX XXXX. As I result I was defrauded on {$1000.00}. 

I contacted Chase and asked them to trace him down and to return my money since the money was transferred via Chase to another account in XXXX XXXX. Chase representative told me that they unable to help me at all. 

I contacted XXXX customer support only to learn that I need to contact my bank if I need any help with this transaction.
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AZ)

My file # is XXXX This was a fraudulent account opened at the beginning of XXXX in XXXX, Oregon under an apartment address I left in XXXX. The amount of the of the account was {$130.00}. 
I disputed this with XXXX XXXX on XX/XX/XXXX. Please see the status below : Completed JEFFCAPSYS Reported on XX/XX/XXXX {$130.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 

Dispute Reason Ownership : This account was opened fraudulently. 
**************************************************************************************** I had a XXXX account until XXXX. I never had a XXXX account until XXXX. 

XXXX called me and saw that it was not my account. They reported as fraud but it is STILL on my credit report under Jefferson Capital System.
Consumer complaint received 2019-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (DE)

My identity was used in XX/XX/2019 to purchase store credit cards from ( at least ) four companies [ XXXX XXXX, XXXX, Childrens Place, and XXXX XXXX. ] The product that was shipped to me was returned to the stores, refunds were given, credit bureaus notified, and a police report filed [ Delaware XXXX. ] Two Banks [ XXXX XXXX XXXX of XXXX Georgia, and Comenity Bank of XXXX Ohio ] have ignored all communications in regard to the fraud and continue to harass me for charges that are not mine. Last week Comenity began a ruthless phone campaign against my wife ( who has nothing to do with this issue ) and started calling her cell phone five to ten times a DAY.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have filed dispute after dispute after dispute with Equifax about the following that reported on my credit report that is fraudulent and do not belong to me. The following are listed : These are fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX -XXXX  XXXX, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX  The following does not belong to me : XXXX  XXXX Account Info Reported on XX/XX/XXXX Equifax retrieved this information from a third party ( XXXX XXXX ) Chapter XXXX Bankruptcies Courts Do Not report to any credit bureaus. I have sent in numerous times certificated letters contesting this information but no change.
Consumer complaint received 2019-10-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IA)

I have called at least 3 different time over this matter. XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX, in regards of a land of amendment to take off flood insurance on my property. They kept telling me that they would get back to me with a response within 24-48 hrs each time I called and failed to do so, I continued to call and today they had said the reason why they would not be able to approve and pass the land of amendment that shows I'm not required to carry flood insurance was because my property is still showing in map zone with FEMA and that I would need to contact them with the matter so that it does not show on the map although they have the documentation needed stating it was not required and they were done helping me. I got ahold of FEMA and they said that it does not matter what the map shows. What " trumps '' that was the map of ammendment, that is the deciding factor of all. Once you have that, there should be no reason they will not take the flood insurance off. I'm using all my resources and trying to get this resolved the best of my ability and I'm currently stuck.
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Makower Abbate Guerra Wegner Vollmer PLLC (MI)

More accurately, they attempted to collect debts that have either already been paid or are not owed. The collection agency drafted a Notice of Lien against my condo unit on XX/XX/2021. To date, the notice has not been filed with XXXX XXXX, where I live. The Fair Debt Collections Practices Act prevents collectors from making : Threats to do things that can not legally be done, or threats to do things that the debt collector has no intention of doing I have several reasons why this Notice of Lien can not be filed. Those being : Article VI, Section ( c ) ( i ) of my condominium 's bylaws states violations are to be sent by certified mail. They sent this notice by first class mail. 
In order for a document to be eligible for recording with the XXXX County Register of Deeds, The Total value of real property must be stated on the face of the document or the affidavit attached ( MCLA 207.504 ) The name and address of the grantee must appear that convey or encumber real estate. ( MCLA 565.201 Sec 1-A, D ) MCL 559.208 ( 3 ) ( b ) of the Michigan Condominium Act sets forth the pre-foreclosure notice requirements, one of those requirements stating that " The notice of lien SHALL BE IN RECORDABLE FORM, executed by an authorized representative of the association of co-owners and may contain other information that the association of co-owners considers appropriate. '' The Act also goes on to state in part ( c ) that the notice shall be recorded in the office of the register of deeds in the county in which the condominium project is located and shall be served upon the delinquent co-owner by mail. XXXX only satisfied the second half of the preceding sentence by serving me by first class mail as this document is not recorded in the XXXX XXXX Register of Deeds The notice, as it stands, can not be recorded with the county, thus violating a requirement of the Michigan Condominium Act and thus violating the FDCPA by making a threat to do something that can not legally be done. I also assert they had no intention to file the notice by virtue of when the document is dated and the fact there is no Notice of Lien on file with the XXXX XXXX Register of Deeds ( ocmideeds.com ) for my property.
Consumer complaint received 2022-03-21
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: Experian Information Solutions Inc. (OH)

XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2023-08-19
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. (CA)

This is my several attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MT)

We used XXXX XXXX to manage a seller-financing trust indenture in Montana. Unbeknownst to us, the note was sold to Loancare. Since that event, Loancare has been horrible to work with with little to no to really delayed response to inquiries. The buyer was able to get a loan through his local bank and it took the bank several weeks to get the pay-off amount from Loancare. 

The loan finally closed 8 days ago. The bank issued a check that same day to the title company. The title company opted, with out anyone asking us, to mail the check to Loancare. That took 2 days. I called Loancare on day 3 to find out where my funds were to be told that they were going to hold the check, from a title company, for 10 days. I called the title company and they were able to convince Loancare the check was good and it was cashed on day 3, but no payment back to us, the seller was made. 

I called in frustration and stated the money needed to be transferred to my bank account on file immediately. I was told they were after the cut-off time ( presumably for the wire ) but it would go out on Tuesday ( Monday as a holiday ). So, I expect to see the funds in my bank account on Tuesday. Not there. Today, Wednesday, after three phone calls, I learn that they cut a check for the $ XXXX and put in the regular first class mail on Tuesday and now it will take several more days. So, of course, I ask why it wasn't wired. " We had no instructions. '' Did they ask for instructions? No, of course not. Did I say I wanted it directly deposited the same way all the buyer payments were direct deposited- yes, most definitely. 

Okay, fine, the " check is in the mail '', so please give me the tracking number. No, we have no tracking number. We just sent it regular mail. WHAT? A check for $ XXXX and you didn't opt to track it. How convenient that you will be earning a few hundred dollars in interest off of funds received on Day 3 since my bank won't be receiving and then depositing the check until maybe Day 10 if I'm lucky or day 13 if it hits the weekend, if the untrackable check even arrives, at which point, I have to call back again and even more time is lost. 

Overall, awful experience with Loancare and its not even over yet.
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2020-11-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

On XX/XX/2020 I moved from my apartment complex which was managed by XXXX XXXX at that time. I went in to the rental office on XX/XX/2020 to settle the bill. At that time I was told that I would receive the final statement at the end of the month. During that time the property changed management and my bill was sent to collections. In the state of Texas, before you can be sent to a collections agency the creditor has to give you 21 days to make the payment ; however, after speaking with XXXX XXXX, Account Representative at IQ Data, he reported that my account was sent to their agency in XXXX which was prior to the statue. I.Q data recovery has reached out to me on several occasions and each time I simply ask for the final statement from the apartment complex. They REFUSE to send the the statement. They demand that I make a promise to pay before they will review the statement. The last time they called me they agreed that they would send me the statement ; however they instead sent a letter of debt. Per my legal right I replied to the letter with in 30 days of receipt again asking them to send me a statement. This letter was sent to the XXXX XXXX XXXX XXXX, WA XXXX through certified mail ; therefore I have receipt of delivery. 

Today, when the representative from I.Q Data XXXX XXXX XXXX called me he told me that I was just trying to avoid paying my bill. Again, I asked if he would send the final statement. He refused to provide this information without me agreeing to make a payment. I asked him what happens if I want to dispute something, to which he responded that they would remove the charge, but then said I needed to pay the full amount and dispute it with the property. Again, I asked if he was legally refusing to send me a statement. He begin to talk in circles. I told him to reply with a " yes or a no ''. He raised his tone as boasted " yes '' I am refusing to send the statement. He went a step further to say that they were going to escalate my account and make it as refusal to pay. 

In the midst of a pandemic it is unfortunate that companies such as IQ Data are practicing predatorial collections tactics to create fear in working people, especially those who are making efforts to may any validated debt.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently reviewed a copy of my credit. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. that has been hurting me as i am in the process of buying a home for my family. please remove the fradulent accounts from my credit reporting as possible. You guys reporting an account that's was sold to other company it is against the law. XXXX XXXX account # XXXX and was sold to XXXX XXXX
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2019-06-15
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: CITIBANK, N.A. (ND)

This happened in XXXX and it is now XX/XX/2019 and it seem as if this will stay on my report for 2 years. I am paying for something that was not dont by me. Macy has told me countless times they told XXXX to remove this inquiry. While XXXX have told me that they have not received anything from Macy about removing this Fraud Inquiry. I am sick and tired of these two companies failures to fix this problem. Macy knows that the application that they received was not even in my name and did not even have my social security number so why is it so hard to fix an mistake you made