davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (AL)

On XX/XX/2018, I moved out of XXXX XXXX XXXX XXXX XXXX in XXXX, KY due to my pending military XXXX. Before moving I talked with the Apartment Manager regarding my carpet and general cleaning cost and the total was {$300.00}. She stated that the payment had to be made by money order. I got the money order and paid the amount- no issues. A few weeks after I arrived in XXXX, I start receiving calls from unfamiliar number. I didn't answer the call at first but I later did and it was from IQ Data International. The person on the found stated I owed {$290.00} from unpaid debt from XXXX XXXX XXXX XXXX XXXX. I explained to the customer service rep, I paid the amount before I Ieft and that I was currently XXXX overseas. He stated that I needed to pay the amount or show proof I paid the debt. I was confused why I got the phone call so I called the apartment manager and she stated it was a problem with their system and they was going to work with IQ Data and get it fix. A few weeks goes by and I am still getting phone calls from IQ Data. On XX/XX/XXXX, I finally get a response back from the apartment complex and they stated it's nothing they can do to fixed the problem and I should contact IQ Data and try to resolve the matter myself. On XX/XX/XXXX, I sent IQ Data the email from the Apartment Manager that my debt was clear but I got no response. So on XX/XX/XXXX, I got several alerts from my credit bureaus stating I have a collections inquiry on my report from IQ Data. After seeing that negative inquiry on my credit report I eventually paid the {$290.00}. I spoke with a customer service rep from IQ Data and he said it will take 30-45 days to have the collections report removed from my credit report.
Consumer complaint received 2023-09-05
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (TX)

This company which I hold no contractual agreement with no have received services from has opened a collection against my SSN and have reported to the credit agencies that I owe a debt of {$310.00}. They have reported used XXXX, XXXX and XXXX to damage my credit. 

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party who you claim to have received services which has caused for you to seek a debt to be paid and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Considering there is no contractual agreement Nor have I received services from this company I am not binding nor obligated to pay any debt.
Consumer complaint received 2022-03-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (SC)

I purchased a vehicle from XXXX XXXX XX/XX/XXXX. I was told that my finance company was XXXX. Which is also the name on my contract. When I attempted to make a payment to XXXX I was informed that they were not the ones holding the account. I then went back to XXXX and they told us that they had changed the finance company and they were not required to let us know. I asked if they wanted the truck back and they said no but to sell it if I wanted to. Wells Fargo reached out to us through mail to let us know that they were the lien holder. I did not feel comfortable sending money to a company that just appeared saying that I owed them with all the fraud going on in the world. I attempted to send them a bill of exchange to satisfy the alleged debt it was returned to me. Wells Fargo then continued calling saying that they did not receive anything and so I sent it again. I received a letter on yesterday XX/XX/XXXX stating that they are the lien holder after investigating and that they do not accept negotiable instruments. I sent in a Notice of Dispute requesting the verification and validation of the debt. I've been threatened with repossession and harassed with calls from XXXX and Wells Fargo after I've asked to be contacted by mail only. They have violated the telephone consumer protection act 47 USC 227. Such conduct from Wells Fargo and XXXX has caused me to suffer sever humiliation and embarrassment, emotional distress, and physical discomfort. They have violated 15 USC 1692 ( C ) of the Fair Debt Collection Practices Act by harassing me regarding this debt. Fact, the fourth amendment is intended to ensure that the right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and XXXX, shall not be violated, and no warrants shall issue, but upon probable cause, supported by oath or affirmation and particularly describing the place to be searched and the persons or things to be seized and my fourth amendment right has been violated so be it. I also made a down payment by trading in my truck. The Finance charge does not include cash however, my trade in was taken for cash value. The finance charge is also supposed to include insurance however I had to purchase my own insurance. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. I got this truck because I needed something to dependable to get me back and forth to work to provide for my family and myself. I do not believe that I was informed of all the extra fees and my ability to rescind.
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

Company has been notified a number of times that this account is a result of identity theft. I have reported this to police and the Federal Trade commission. Police report Done in XXXX PD case # XXXX officer XXXX  Badge # XXXX. FTC report # XXXX. I also have screen shots of all the telephone numbers LVNV Funding LLC calls from. They call from various numbers all all the county trying to trick the consumer. They even make local numbers just to call me from. They will deny this but the phone log on the XXXX does not lie and when the numbers are called back they answer with their business name. I am going to turn this list of number and screen shots over to the Attorney Generals office for harassment and the fact they keep reporting this ID theft account on my credit reports. The account is reporting as XXXX XXXX XXXX for XXXX on XXXX etc. via LVNV Funding LLC
Consumer complaint received 2023-02-07
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. (TX)

According to the Fair Credit Reporting Act I have a right to accurate reporting and after reviewing my credit report today I Noticed something off about a couple accounts. Please help me by investigating these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XX/XX/2018 i contacted XXXX in reference to two accounts being reported as bad debt..i first asked them to furnish me with the original application showing my signature..Rep said she didn't have to SHOW that i told her according to fdcpa A debt has to be proven she said their is no such thing ... 2nd i asked when did i come to agreement with XXXX to have access to my medical records..i advised her i need proof of such occurrence..she placed me on hold..a supervisor got on the line stating if debt was not paid they could garnish my wages even sue me i asked for this in writing they disconnected the call.. I called back another representative came on the line and immediately said we refuse to talk to you and disconnected
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (TX)

I possess an Ultamate Rewards MasterCard which rewards points as the rewards for purchases. The points can be used towards purchases made at XXXX stores and XXXX XXXX. After the last monthly allotment of points my account had approximately a {$15.00} credit. During the checkout online for a purchase, I had to update my personal account with my new credit card number for payment of the purchase. The computer system then deleted all my accrued points and zeroed out my unused points. When I contacted XXXX customer service via email, A rep named XXXX said that my points will be held in limbo by the computer for 2 weeks and I can not use them for these 2 weeks despite my having been awarded these points already during the last monthly billing statement. I find this practice of holding points XXXX in the system a very deceitful practice and not customer service oriented.
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I found out from the credit reporting bureaus XXXX, XXXX and XXXX XXXXhat there was a negative account under " LVNV Funding LLC '' under account number XXXX. Resurgent Capital Services/LVNV has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Resurgent/LVNV has failed to provide the information requested. Resurgent/LVNV is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately.Resurgent/LVNV Funding has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Resurgent currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither LVNV Funding or Resurgent Capital Services possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, Resurgent/LVNV Funding shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CrossCountry Mortgage LLC (CA)

Under the code 15 usc 166b I have to be notified 21 days prior for a late payment to be reported late. I was charged a late payment fee and a late payment was illegally reported on my credit report. I would like them to abide by the law and remove the late payment off my credit. I have asked to be sent FULL accounting and have not received FULL accounting.
Consumer complaint received 2019-02-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

The property went into foreclosure and I was contacted by this company directly with a guarantee to get a loan modification and adjusted terms on the mortgage. The office kept contacting to make an appointment to go to their office, finally a representative came to the property even though I had tried to cancel the appointment. I initially paid {$500.00} at the first meeting and signed a contract with the company trying to save my home. Throughout the process I was not happy with the service provided so I decided to then contact the lender and found out there was a sheriff sale scheduled. Information was only being accepting by the lender from the third party. I paid {$2000.00} to XXXX XXXX for XXXX aka XXXX XXXX XXXX XXXX. Throughout the process they were very confrontational and even more so when I asked for a refund. They only offered to provide 50 % of what I had paid back which I have declined because upon further research and working with a housing counselor I determined I should have never had to pay for this due to being mislead. When I asked for a full refund the owner of the company " XXXX XXXX '' contacted me and screamed that they did lots of work and I would not be getting my full money back.
Consumer complaint received 2019-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

I have contacted Experian several times via phone, online and first class mailings on many occasions in regards to 1 account that was placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it! It makes it look very bad on my credit report, and reporting negatively. I am trying to get financed for something and it makes it difficult when they're checking credit, and I have a negative account that does not belong to me reporting inaccurately. I have disputed and reached out to Experian several times and they say the same thing over and over.The companies need to either send proof of validation or it needs to be removed This account does not belong to me I have done FTC I have called and they have told me that they are handling it and they have received proper paper work and I should see an update and I never do.The following account that is reporting is ... XXXX with a balance of {$1400.00}
Consumer complaint received 2019-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (KY)

I asked this company to send me detailed information regarding this debit, so I could know what the breakdown of the charges were. The only thing I got was a print out showing what I owed. It looked liked something that I could have typed up on a computer. I just want to make sure I owe this amount or if this amount belongs to someone else.
Consumer complaint received 2022-09-10
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Shore Financial Services, LLC (NY)

UNITED WHOLESALE MTG IS A DEBT COLLECTOR AND IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THIS ACCOUNT IS PAID IN FULL. I AM THE CREDITOR THAT GAVE XXXX XXXX. THIS IS MY 3RD ATTEMPT WRITING ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BUT GIVING YOU AN OPPORTUNITY TO REDACT.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2018 I sent notarized documents to TransUnion CB ( driver license, social security card and mortgage statement ) requesting them to update all my personal information on my credit report and this company refuses to do so. I got divorce and remarried 5 years ago, so I have a new last name and they do not want to remove my previous last name. Note that all my open and current accounts have been updated for a long time. 

Can you help me please. I believe TRANSUNION should change my all personal information for my credit report to be accurate. " I AM NOT LONGER HAVE XXXX XXXX as my legal name '' and my current personal information is the following, all others information on my credit report is completely inaccurate. 

My full name is XXXX XXXX XXXX ( changes last name 4 years ago ) My social security number is XXXX My present and only address is XXXX XXXX XXXX XXXX XXXX, MD XXXX ( living here for almost 6 years ) My present and only employment is XXXX XXXX All others inaccurate personal information needs to be remove from my credit reports. 

THANK YOU IN ADVANCE, XXXX XXXX XXXX
Consumer complaint received 2018-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

There was a huge unauthorized electronic ACH transfers {$44000.00} from my checking account on XX/XX/XXXX th. Several of these transfers occurred until XX/XX/XXXX which total amounted to {$72000.00}. My checking account balance went from {$72000.00} to {$400.00} in XXXX days. I had alerted the bank I was going to XXXX on XX/XX/XXXX. I did not get any alerts from chase bank regarding any ach transfers in such big amounts. I checked my acccount XXXX weeks after I came back from XXXX on XX/XX/XXXX. Called the bank immediately to report fraud. Still waiting with no money in my account to even pay my credit card or mortgage.
Consumer complaint received 2019-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I previously submitted a closed CFPB complaint regarding switching to a different income repayment plan ( from IBR to ICR ). ( Complaint XXXX. ) I spoke to a specialist because I was misinformation : a previous representative told me I could verbally consent to changing the plan. She never mentioned that I had to submit paperwork. Because of the misinformation I was provided, the specialist I spoke to named XXXX, told me that I should submit the form as soon as possible and she would make a note in the file to have my request expedited. 

On Monday, XX/XX/XXXX, I faxed the paperwork. On Thursday, XX/XX/XXXX, I was told they did not receive my fax and that I should upload the form to their website. On Friday, XX/XX/XXXX, I uploaded the form to the website. Later that evening, I received an e-mail that my request was processed. In my file it showed that may request was approved and my monthly payment was reduced ( see attached ). However, this morning I received another e-mail about my request being reviewed and the review would not be completed until XX/XX/XXXX -- two days after my next payment. 

I called regarding both e-mail correspondences because they are conflicting. I explained to the representative that my request was uploaded and approved ; they might have received the request I previously faxed, which they should have disregarded -- not process the request over again. I was told I would still have to do a month of forbearance and pay a minimum of {$5.00}. Then why expedite my request? Also, why not refund a partial payment for this month as my forbearance month and allow me to start the new plan next month? There entire situation was caused by one of their representatives. If she would have given me correct information, I  would have sent in the required documentation immediately, and XXXX would have been my forbearance month. 

Additionally, the amount that they quoted ( {$420.00} ) in the closed complaint is different than the amount they calculated in the letter that is attached.
Consumer complaint received 2018-09-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The debt collection agency contacted us regarding a credit card debt of {$720.00}. The agency offered a settlement amount of {$500.00} from the original amount of {$720.00}. We agreed to the settlement amount of {$500.00}. We received notice that the agency did take the full {$720.00} from our bank account, not the agreed apon settlement amount of {$500.00}. This is a deceptive debt collection practice. We did contact the collection agency, however, I do not believe they will refund the money.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

3 reporting credit beauru I haven't been applying for credit cards I know I get rejected and with not so hot credit rating they think I'm made of money like Donald Trump I been fighting to get negative and inquiry removed and no luck and I'm tired of credit beauru treating me like either a little kid or criminal I even gone far to go with credit repair service and not getting anywhere fast and I refuse to get high interest loan and it's not fair they all think I'm made of money like Donald Trump is which I'm not if I had Donald Trump money wouldn't need credit but yet they give credit to illegal immigrants
Consumer complaint received 2019-04-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION (PA)

Company attorney claims they have tried to contact me. i have never received anything from them. They are also harassing me while, I am working. I am not allowed to have visitors or calls while at work. They never sent proof or validity of this debt. They claim twice, someone was suppose to come, a man from XXXX   XXXX service to have forms signed. I have never seen such person. I work during the day, no way I am home. Man left a number on my phone, I called that number. The person was not helpful, he was rude, and hung up. He would not listen to me. I kept explaining to him, I am not home to sign a form. He attempted to bully, and scare me saying they will garnish my wages, out a lien on property, and or have a judgement. I have just my income, taking care of my XXXX wife, XXXX   parents, and XXXX teenagers. All my bills are behind. Either we are homeless or pay them. I will choose to keep a roof over my family head, and help my XXXX parents. If in fact this debt is mine. I can't pay what they are asking. The number I called was XXXX. This number says they are representing XXXX. I believe XXXX XXXX XXXX XXXX, OH XXXX is the corporate office at XXXX. They also have a local office in Delaware XXXX XXXX XXXX XXXX XXXX, DE XXXX