davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (CT)

I have been contacted numerous times by IQ Data International , Inc., a debt collection firm ( " IQ Data '' ), concerning a purported debt that I have no legal liability or responsibility for whatsoever. IQ Data is unlawfully attempting to collect a debt from me that I do not owe in violation of the Fair Debt Collection Practices Act. IQ Data has also wrongfully reported negative credit information to the credit reporting bureaus in violation of the Fair Credit Reporting Act. In an effort to remedy the negative impact to my credit report, I have explored simply paying some amount to make IQ Data remove the negative credit bureau reporting, but any payment by me would be nothing more than an extortion payment to IQ Data as I simply do not owe the purported debt upon which IQ Data is attempting to collect. 

The purported debt that IQ Data is attempting to collect arises out of a contractual landlord/tenant lease dispute where the underlying lease is governed by New York state law. I have fully satisfied my obligations under the lease and do not owe any amounts to the original creditor or to IQ Data. Under New York landlord/tenant law and the express terms of the underlying lease contract, neither the original creditor nor IQ Data is entitled to collect any amounts from me as I have fully satisfied my obligations under the lease. To the extent any portion of the purported debt exists, such debt is owed by a certain XXXX XXXX XXXX as the attached " Move Out Statement '' from the original creditor clearly indicates. 

I respectfully request that the CFPB investigate this matter, as well as IQ Data 's  business practices, as I believe my situation is not unique and that debt collection agencies are routinely attempting to unlawfully collect purported debts that are not liquidated debts, but are instead disputed amounts under residential landlord/tenant lease contracts where the landlord is wrongfully attempting to collect amounts that are not due under the terms of the lease or that violate state landlord/tenant laws.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to the XXXX dealorship to shop for a car in 2014 and they sent my information to multiple lenders. Now my credit report has several hard inquiries. I later learned that this takes up to two years to come off your credit. I am trying to rebuild my credit and this issue did not help my score at all.
Consumer complaint received 2020-07-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc. (AR)

I was a patient at XXXX XXXX XXXX in XXXX XXXX, AR from XX/XX/2019 until XX/XX/2019. At admission to the hospital they were informed I was a VA patient and to notify them in order to obtain transfer to their hospital in XXXX XXXX, AR. They failed to do so within the 72 hours timeframe as established by the VA. We informed the VA by phone calls numerous times and were told not to worry about it, that I needed immediate emergency care, and I was set up through XXXX to be treated by a local hospital due to the distance to XXXX  XXXX , AR VA. Consequently, XXXX XXXX XXXX billed XXXX XXXX XXXX and received immediate compensation, leaving a balance due of {$1800.00}, which is their co-pay amount. If the VA had been billed as instructed, their would have been no co-pay. The balance due went to Receivable Solutions in XXXX, SC and we informed them by written letter and attachments, which they continue to not recognize.
Consumer complaint received 2020-07-13
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: Nelnet, Inc. (OR)

I spoke with Dept of edu they advised the Administrative CARES forbearance was applied to my student loan. They advised they reported back to both credit unions in regards to this issue on XX/XX/XXXX it is now XX/XX/XXXX and the 80+ point drop in my credit score has not been corrected. It is hard enough as a XXXX  of XXXX to get ahead and an 80+ drop in my score impacts my life greatly. I have worked entirely too hard for a mistake I had nothing to do with having such a negative experience is extremely disheartening. I have since reached out to the credit bureaus but they dont care obviously Im just another number. Theres so much red tape and we dont get the immediate correction deserved. If there is a number I can call to get this worked out ASAP please let me know.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NJ)

I ask for a full validation of debt with bearing signature with XXXX XXXX XXXX, they send me back a letter that they are not obligated to provide the documentation to me that I requested. On they records indicate the application was under XXXX XXXX. XXXX XXXX XXXX verifies the identity of every new customer in accordance with the USA Patriot act. Also they send me a let from a collection agency ( convergent ) attempting to collect on a debt without any validation. Right now they are violating my rights
Consumer complaint received 2020-10-10
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. (CA)

I would like to start by saying I am part of the equifax data breach. On XXXX I received a notification from XXXX XXXX about a hard inquiry on my equifax report. I disputed the inquiry same day. On 1XX/XX/XXXX I received the results of dispute as factual. I have not applied for credit recently. I am saving to buy a house and am no longer applying for credit to allow all inquires to fall off. The company is XXXX/XXXX/XXXX  XXXX. On XX/XX/XXXX I  received a further notification of a blocked attempt to access my transunion account. I locked all 3 accounts on XXXX
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

My mortgage was sold to Carrington Mortgage Services ( CMS XXXX by XXXX Mortgage XX/XX/XXXX. Erroneously, On XXXX XXXX, XXXX, XXXX Mortgage issue a premium payment in the amount of {$720.00} to XXXX ( now XXXX XXXX for the policy period of XXXX XXXX, XXXX to XXXX XXXX, XXXX. Subsequently, on XXXX XXXX, XXXX, XXXX Mortgage inadvertently issued a premium payment in the amount of {$730.00} to XXXX for the aforementioned policy period. 
As a result of the above information a refund in the amount of {$730.00} was issued to me in error. Once, I discovered the money was sent to me in error, I started out with a payment of {$800.00} of which {$530.00} was designated towards escrow. The remaining balance of around {$260.00} was designated for the regular monthly payment. However, this amount never allocated properly. Long story short it took Carrington ( CMS ) an unacceptable amount of time for them to recognize I had paid the {$730.00} back in full and other erroneous issues from Carrington ( CSM ) started occuring. For example, I started receiving notices from them stating I did not pay my mortgage payments. I had to send them proof from my bank, which sends Carrington ( CMS ) the money electronically each month. In the mean time I notice my bill had increased. Additionally, during these processes Carrington ( CMS ) stop sending me monthly mortgage statements. They said they sent them to the attorney. Even after receiving notice from the attorney to send all correspondence to me, I have still yet to receive my monthly mortgage statements from Carrington ( CMS ) at my home address, which is XXXX. XXXX XXXX XXXX, XXXX, Ohio XXXX.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I looked at my report and on XX/XX/2023 I sent a letter to experian, XXXX  and XXXX XXXX to reinvestigate my accounts. 
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2020-06-25
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. (TX)

XXXX/XXXX/XXXXDispute XXXX/XXXX  XXXXDispute XXXX  XXXX  XXXX/XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXXDispute US DEPT OF ED/XXXXDispute XXXX XXXX XXXX filed ftc on all accounts
Consumer complaint received 2020-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX/XXXX/XXXXDispute XXXX/XXXX  XXXXDispute XXXX  XXXX XXXX/XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX   XXXX XXXX XXXX XXXXDispute US DEPT OF ED/XXXXDispute US DEPT OF ED/XXXXDispute XXXX XXXX XXXX filed ftc on all accounts
Consumer complaint received 2020-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

I did not receive the information and calls from the Choice recovery on XX/XX/XXXX, who then reported to Debt Collection. The expense occurred at XXXX XXXX hospital for my XXXX XXXX XXXX  and paid my dues to the hospital but not informed that I owe money to Choice recovery or lab at that time. I only came to know when I received an alert from XXXX  that collection has been reported! 

As soon as I see the alert, I called Choice recovery and made a payment on XX/XX/XXXX, and my report is updated. Still, I see my credit score is affected by this collection inquiry. Also, my credit score report states that the length of time accounts have been established are too short but I have been paying my mortgage loan since XX/XX/XXXX and closed my two car loans prior to it. 

So the above two are the mistakes that need to be resolved in my credit report as it is impacting my score and credibility. Because my current credit shows as XXXX compared to my XXXX FICO score from all the 3 bureaus. 

Please do the needful. 

Thank you and I appreciate your efforts in resolving my concerns.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

Unauthorized user make debit transaction at XXXX for {$500.00} XX/XX/XXXX Also Four XXXX Unauthorized Transactions for {$500.00} each total {$2000.00} XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX Called Citibank XX/XX/XXXX cancel debit card cancel XXXX and change user name and password. Dispute all transactions with Citibank dispute dept. 

Citibank denied all refused to add money back to account.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (IL)

I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section 609,623,809 i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent on XX/XX/XXXX to XXXX  disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX XXXX XXXX1 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX 5.XX/XX/XXXX XXXX, XXXX , XXXX dispute letter to XXXX amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to XXXX 7. XXXX XXXX
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: McCarthy, Burgess & Wolff, Inc. (WA)

While going through a divorce, my exhusband stopped paying on the account even though he was assigned the debt in the divorce decree. I spent the next year attempting to collect the past due balance and was finally successful on XX/XX/XXXX, when the balance was paid in full. Because this account was not my responsibility, I filed a dispute on XX/XX/XXXX. Eleven months later, I still have not received any sort of acknowledgement from the collections agency that took over this account. This ongoing dispute is now preventing me from applying for a mortgage, so I am seeking outside help to have this dispute handled and closed.
Consumer complaint received 2018-06-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (RI)

On XX/XX/XXXX, while I was sitting with my husband at XXXX XXXX in XXXX XXXX for him to turn in his vehicle and renew his lease, I was convinced to turn my lease in early for a new GMC that was not yet on the lot. After spending a significant amount of time there, I agreed and was provided with an estimated delivery date of my new vehicle of XX/XX/XXXX.

After numerous phone calls and emails, I was responsible for two lease payments, and didn't have possession of my new vehicle until XX/XX/XXXX.

As a result of dealer error and misinformation, my credit has been negatively affected, I was in the hospital for XXXX  ( I am a XXXX patient ) and I was ultimately provided with a vehicle that didn't have everything that it was supposed to have. I am still awaiting reimbursement for the XX/XX/XXXX payment and {$100.00} copay from my hospital copay that was promised to me.

I was also told 2 years free oil changes and was then provided with 2 free oil changes. The ultimate irony of the " 3 months free '' Satellite radio that it should have, it did not even come with the option for Satellite radio. Again, this is the LEAST of the issues, but just an another example of " bait and switch ''.

And now, I can't even receive a response from anyone!
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (ME)

Made a substantial payment to my TJ Maxx Mastercard with XXXX XXXX. Payment was made on XX/XX/XXXX and debited from my bank that evening. Finally showed up on XX/XX/XXXX as a payment. Inquired why my available credit wasnt updated. Was told by CS rep that my payment would not be available until XX/XX/XXXX which is 9 days later. Never paid late. Always paid outstanding balance each month. When I inquired about why I was penalized for paying my outstanding balance, was told I was a high risk from their risk dept. Nothing in my history warrants this treatment. CS reps were very rude and insisted I was the problem.
Consumer complaint received 2020-05-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc. (NM)

Good evening, I have provided a dispute under the Fair Credit Reporting Act towards the amentioned originator of the previous debt owed and was granted to have the report dismissed from record. However, another company has bought the debt previously as well, which appears both companies were reporting negatively. 
My issue is if the originator tends to dismiss the debt and clears my name therefore I feel the second company should clear my name as well since the debt is no longer owed as it has been removed from the credit report. It appears this would fall under double jeopardy on this case. 
I respectfully request to look into this matter and possibly take appropriate course of action regarding over this matter. 
Thank you for your time and attention.
Consumer complaint received 2016-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX solicited me to switch from XXXX XXXX XXXX by making false statements that the XXXX would work 100 % on their network, which was not true : at the time, the XXXX would only work at reduced speeds on XXXX 's network.
Consumer complaint received 2020-07-13
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XX/XX/XXXX XXXX {$3200.00}
Consumer complaint received 2020-05-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

My name is XXXX and I attended XXXX XXXX 9 years ago and now left in over XXXX in federal loan debt. The school closed down after finishing my program and I never received my diploma nor work in that related field. The school was a nightmare. I also qualified for the borrowers defense application that remains pending in the supreme courts along with thousands of other students in my position.
Consumer complaint received 2020-06-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (PA)

I had a Mortgage with XXXX XXXX. for a property that was sold and approved by XXXX as a short sale in XX/XX/XXXX. This property had a successful closing and the XXXX XXXX  was paid and satisfied. 
Now @ XX/XX/XXXX the paid and satisfied loan was transferred to Shellpoint Mortgage from XXXX as an open unpaid Mortgage Loan. 
I have contacted Shellpoint Mortgage on a daily basis via their customer service phone number and also their loan servicing e-mail. I have been on hold hours at a time with representatives that have not been experienced in any loan assistance. 
I have provided supporting documents of the closing of the loan to XXXX as directed by the representatives. 
I have not received a response and this matter urgent matter continues to be unresolved. 
This is negatively impacting my credit, housing lease abilities and/or ability to request any financial loan or credit. Including my credit decreased on credit cards unfairly. 

Please see the below e-mail also sent from the attorney who completed the closing of the property : My office represented Ms. XXXX XXXX in the short sale of the above property, which CLOSED successfully with XXXX, the prior servicer, back in XX/XX/XXXX. MsXXXX XXXX has not owned this property, nor been responsible for this mortgage debt since our closing date of XX/XX/XXXX. 

I have attached not only the Satisfaction of Said mortgage, received from XXXX in XXXX, but also all closing documents and proof of wire sent to XXXX after closing. 

Ms. XXXX is copied on this email with her real estate agent. I am seeking written confirmation be sent to myself, or Ms. XXXX directly, confirming this loan has been satisfied and she owes your company no money for said mortgage. 

Please respond as soon as possible. 

Thank you XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX, NJ XXXX Office : XXXX Cell : XXXX Fax : XXXX XXXX XXXX
Consumer complaint received 2021-02-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A. (NE)

On XX/XX/2021 the law firm of XXXX XXXX based in XXXX Minnesota and licensed to practice law in Nebraska and as a debt collector was representing XXXX XXXX XXXX also a debt collector attempted to get me to pay for legal fees or interest before a judgement was first received in court. 

Federal courts have previously ruled that debt collectors can't collect attorney 's fees or interest from people without first receiving judgment from a court in a debt case. 

Im reporting them in violation of the Fair Debt Collection Practices Act ( FDCPA ).