davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I lived on-site at XXXX apartments where I worked as a leasing agent for the apartment community and was fired for reasons due to my job performance. XXXX was the Management company. They requested that I vacate my home within 7 days following the end of my employment in XX/XX/2016. 
They initially charged me for the remainder of my lease term, which isnt legal. I contacted the regional manager, assistant manager and property manager via email explaining to them that I vacated the home and they could no longer charge me for rent especially if the home was leased. 
I was asked to move and vacate the home after being fired but they still charged me for rent. 
The collection company handling the account is IQ Data International. Ive called them and wrote them letters several times requesting any and all paperwork that they have on file to prove that this debt is valid and the only thing theyve sent me is a ledger with incorrect amounts from the Management team I previously worked for. 
The property management company had my address, email and phone number on file due to me being a past employee. But they failed to send me a move out statement showing the balance owed to my address on file, they immediately forwarded my file over to collection.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MIB Group, Inc. (KS)

I have reached out to MIB XXXX. And havent got a respond I would like my MIB credit report frozen! As they are reporting my medical information which goes against XXXX As well as new consumer law all medical bills under XXXX should not be reported! 

XXXX letter Sent XX/XX/XXXX XXXX attempt XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-10-08
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. (NJ)

Transunion, XX/XX/XXXXand XX/XX/XXXXhas been reporting inquiries on my credit reports that I did not authorize. 
On XX/XX/2020 I applied for financing at XXXX 's XXXX in XXXX, NJ. I urged their sales team to only apply for financing at XXXX XXXX, I found out later it was more than three banks. Here are the ones not authorized : XXXX  - XXXX XXXX XXXX - XXXX. XXXX XXXX 's XXXX - XXXX XXXX XXXX  - XXXX The other inquiries on my reports I do not recognize and are otherwise fraudulent : XXXX XXXX - XXXX and XX/XX/2020 XXXX/XX/XX/XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XX/XX/2020 AND XX/XX/2020 XX/XX/XXXX
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called Transunion to request hard inquiries be removed from my credit report for the reason the company did not follow proper procedures to delete and add the inquiries back on my credit report. The representative I spoke with did not approve deleting the hard inquiries from my credit report. I have attached a list of all the hard inquiries I called to get deleted from my credit report.
Consumer complaint received 2018-02-14
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: Experian Information Solutions Inc. (AZ)

I have been trying to get the people that work at Experian to remove all of these negative entries off of my credit report on multiple occasions throughout 3 to 4 years. I have sent multiple letters to them asking them to validate the debts. In order for a debt to even be legitimate and added to a credit report they need to have the original Contract that both parties signed which will prove that the debt is legitimately mine. They have not done this at all.

The people at the company refuses to send me anything I have asked for. They just continuously send me the same thing over and over again. They are fraudulently keeping this entries on my report and I have no idea why. I have told them that there is NO contract that exists for any of these. They know there is no contract that exists but they still repeat the same process with me in a cycle and they are making me waste money and resources re-sending them documentation and letters to have them validate something they know they can't validate instead of just removing the entries.

Again I know there are no contracts that exist and they know there's no contract or else they would have provided one. So I wish they would stop making me go in circles and just remove the entries.
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

I recently called to cancel my AA Aviator credit card over the phone. At the time of cancellation, there was a remaining balance of {$99.00} due to the annual fee. The representative assured me that this fee would be credited back to my account, bringing the balance to XXXX. Consequently, he canceled the payment. 

Over the subsequent weeks, I've made several attempts to follow up with the bank regarding the status of this credit. Each time, I've been informed that the credit is still in processing and that no further action is required on my part. Additionally, I was advised to disregard any past due notices. 

However, despite these assurances, the {$99.00} balance remains on my account and is marked as past due. To exacerbate matters, on XX/XX/XXXX, the bank reported this past due balance to the credit bureau.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Information was sent on numerous occasions, from XXXX and XXXX of XXXX with the correct documents with proof of a notarize letter, the items were disputed again in XXXX and sometime again in XXXX and XXXX of XXXX.
Consumer complaint received 2022-01-06
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. (IL)

I summited a dispute on XXXX for 4 accounts. XXXX, XXXX  XXXX XXXX, XXXX XXXX, and XXXX. A response was sent back as accurate. I then sent another letter on XXXX asking for a method of verification. According to the FCRA, the credit reporting agency is required to give a method of verificatin within 15 days upon request. Never received it. Im asking that all items be deleted. they are clearly in violation of the law.
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

I received a notification today that a collection was added to my credit report in the amount of {$71.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Consumer complaint received 2021-02-26
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 — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

I contacted Toyota Motor Credit Corp explaining that I never received a Notice of Disposition which is federal law UCC 9-611 ( B ). Toyota responded with a letter that I Disputed the accuracy of the account and that's not what I asked them for
Consumer complaint received 2020-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (NY)

I was unable to open a checking account at a new bank today because they see I have a balance pending with US Bank. The amount is ~ {$300.00} and has been outstanding since 2015. I do not recognize this and firmly believe this is a mistake. I have called US Bank and spoke to their representatives yet no one is able to provide any explanation as to what this relates to. I have spent more than 2 hours speaking to their representatives and they just keep transferring me between departments. They are trying to charge me {$300.00} dollars without any explanation. 

Because of this record, I haven't been able to open a bank account and set up utilities in PR.
Consumer complaint received 2018-06-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Harley Davidson Financial Services Inc (MO)

I have filed numerous complaints attempting to resolve this matter and XXXX from Harley Davidson Finiancial Service is calling me telling me she does not care about what was written to the government-cfpb. Harley responded We mailed a letter to the customer, which is also attached to this response. We explained that the dealership the customer complains of is an unaffiliated third party, and we do not have control over that dealership over matters outside our loan agreement. The customer indicated he is working on a resolution with the dealership, and we encouraged him to continue in that effort. We explained that the transaction he describes between the customer and the dealership does not impact the customer 's loan agreement with HDFS. We again explained our duty to report credit accurately, and that we can not change information we believe is correctly reported. We provided our toll free customer service phone number, and invited the customer to contact us with any additional questions he may have. AND I DID EXACTLY THAT. I called got a payoff letter, then worked it out with the dealer. Only for XXXX to nothing will be done on the deal now since the dealer is paying off the bike and not me. This makes no sense when I made it very clear in my last complaint what I would be doing.
Consumer complaint received 2020-07-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Hello sir or madam I read your response on XX/XX/2020 YOUR LETTER STATED YOU DENIED MY DISPUTE BECAUSE YOU DIDNT FEEL LIKE IT WAS FROM ME You are accusing me of not sending the dispute myself. Well I'm sorry there was a clear misunderstanding. However it was me. AT NO POINT IN THE 30 DAYS DID YOU WRITE ME STATING A DENIAL OF THE FACT YOU FELT IT WASN'T ME. THAT WOULD'VE SAVED ME DAYS. SO TO PROVE IT WAS ME : Ive attached a copy of the purchase receipt. Ive attached a copy of the certified mailing I have the proof of email to reliable self storage for prints to send to you. ( not attached ) A bank statement Not only did I send a copy of the original letter and copy of the certified mail receipt AND I contained a copy of my ID. However No where in any verbiage on your web site EITHER MAIL, UPLOADED or in talking to your representatives does it say I need to send you a bill to verify a dispute so please honor the last dispute. It took me a long time to compose everything have it print then stand in line and send it to you. And for you to just throw it away or pretend it was viewed it not ok and very unprofessional. AT ANY POINT in the 30 days you could have written me a letter requesting additional information to verify anything or request additional information. I dont feel like its ok to deny disputes because you feel like someone used a credit repair agency. Even though you have no proof. Its clear that you want to deny me my legal right of a fair 30 day investigation that was never honored but YES if this is not resolved and the changes are not made I will be looking in to around a credit service repair agency that has an attorney for OTHER LEGAL OPTIONS. Before it goes to far I will ask once more. I was the one that submitted the dispute you already had 30 days now Please make the changes.
Consumer complaint received 2018-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

Over the weekend I had small pending charges to my account and I had pending receiving credit which would bring my account to much higher positive rather than overdrawn. I believe, since they are going by the debit charges when they are clearing, the computer is generating a {$34.00} fee per item ; I was charged ( 3 ) three times : {$100.00} total. It was not a situation that I was cleared a negative for 24 hours but the same day transaction.

I spoke with ( 3 ) three Chase Manager Bankers and none of them had the power to override the computer error. The same situation happened to me this past XX/XX/XXXX and I was able to get credit, but this time they insisted that they are not able to offer me the credit.
Consumer complaint received 2018-01-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

I was informed on XXXX XXXX XXXX by my servicer, XXXX, that my Income Based Repayment plan was ending was up for recertification. Due to the astronomical amount of student loan debt I have, my monthly payment was calculated to jump to XXXX. I then submitted my application to re certify and a few days later I received notice that was denied for the Income Based Repayment. I went online to seek what other repayment plans were available and sought to apply for the ( IDR ) Income Driven Repayment. I decided to email to let them know I them that I am experiencing financial hardship and was in the process of filing bankruptcy and awaited their response. Received no response that email. 

On XXXX XXXX, I submitted the IDR application along with my paystubs. On XXXX XXXX, XXXX responded saying they received an incomplete application and needed the pay stubs. I uploaded the paystubs again, and on today XXXX XXXX I was informed I was denied the IDR. I want to make the effort to repay my loans, but their calculated payment of XXXX will be a major hardship to pay.
Consumer complaint received 2015-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: I.C. System, Inc. (OR)

XXXX has been attempting for over two years to collect for an iPhone that I had " refused shipment on and they sent me an email that they had received the iPhone back in their factory. Yet for over two years XXXX has turned over to XXXX separate debt collection agencies, first in XXXX/XXXX/XXXX, XXXX XXXX collection agency for XXXX Account, then in XXXX/XXXX/XXXX IC Systems in XXXX XXXX, MN. In XXXX I faxed an XXXX explanation to XXXX yet one year later they have turned it over to another collection agency in MN. This constitutes harassment and I ask that you stop them.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: M.A.R.S., Inc. (OK)

I knew an account was being sent to Mars INC. on XX/XX/18 so I contacted them with the intention of setting up a payment plan. My main concern is credit reporting and preventing credit reporting. The representative had provided me the balance and that she would require $ XXXX/month to prevent credit reporting and that it is a courtesy that keep an account from credit reporting. I mentioned that they were in violation of FDCPA by not providing the Mini-Miranda. She said " we haven't discussed the debt '' ; which we had when she disclosed the debt without verifying 2 pieces of information. She then gave the Mini-Miranda and said that because I had an attitude she would not work with me to prevent credit reporting and that she would make sure the account was placed on my credit report. She then transferred me to a supervisor who was very rude about me asking my questions. When she said they wouldn't place the account on my credit report for 30 days I responded with " I know that would be illegal '' and she got snippy with " well when did you get your law degree ''. I work at a XXXX XXXX and am very aware of FDCPA and UDAAP. and it is in violation of UDAAP to tell me that because she did not like my attitude they would not extend the same courtesy to me as they would another consumer and to question where I got my information simply because I do not have a law degree.
Consumer complaint received 2018-02-14
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: Experian Information Solutions Inc. (CO)

Experian is stating they will not remove the Bankruptcy off my credit report and they won't do another investigation because it has already been verified. The problem I have with this is that they have not provided me with the person who verified this and the source they have received the verification from and it is unlawful of them to refuse another investigation when I am disputing an item. I have contacted the courts and they have informed me that they don't give any BK or Tax Lien information to the credit reporting agencies. Which means that Experian has added this BK to my report unlawfully. If they don't remove this BK with out showing something with my signature on it I will have no other option but to file a lawsuit against them in the sum of {$10000.00} for damages to my credit history. Also by Law they have to show proof of my signature somewhere that I did this Bankruptcy and they can't provide that.
Consumer complaint received 2024-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

Dear CFPB, I am writing to file a complaint against Columbia Debt Recovery LLC, dba Genesis ( " Columbia Debt Recovery '' or " the Company '' ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

XXXXNature of ComplaintXXXX Columbia Debt Recovery is attempting to collect a debt from me. However, the Company 's actions violate my rights under the FDCPA and FCRA in the following ways : XXXX XXXXLack of Licensure : XXXX  I reside in North Carolina . According to my research, Columbia Debt Recovery is not licensed to collect debts in this state. This makes their collection attempt illegal. 
XXXX XXXXMissing Debt Validation : XXXX  The Company has not provided me with debt validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this lack of validation, they have placed a collection notice on all three of my credit reports.

XXXX XXXXDisputing Rights : XXXX I have not been given a fair opportunity to dispute the debt as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
XXXX XXXXDeceptive Conduct : XXXX By furnishing information to credit bureaus without proper disclosures, Columbia Debt Recovery is potentially using false, misleading, or deceptive means to collect the debt, which violates 12 CFR 1006.3 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

XXXXRequest for ReliefXXXX  I dispute owing any debt to Columbia Debt Recovery XXXX I hereby revoke all rights for them to communicate with me through email, text messages, or calls. 

Furthermore, I request the following XXXX XXXX XXXXDebt Validation : XXXX I demand Columbia Debt Recovery provide complete debt validation information as outlined by law. 
XXXX XXXXPurchase Agreement : XXXX If Columbia Debt Recovery claims to have purchased the debt, I request a copy of the purchase agreement between them and the original creditor. 
XXXX XXXXProof of Licensure : XXXX The Company must provide evidence that they are licensed and bonded to collect debts in the state of North Carolina XXXX 

I believe Columbia Debt Recovery 's actions have negatively impacted my credit report and caused me undue stress. I request the CFPB to investigate these violations and take appropriate action against the Company. 

Thank you for your time and attention to this matter.
Consumer complaint received 2022-08-11
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. (PA)

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, and Equifax has failed to uphold that responsibility by furnishing/providing incorrect scores. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In accordance with the written instructions of the consumer to whom it relates. I never instructed them to furnish this report nor did i give consent to this report in the first place. 

The Below Accounts And Inquiries Are Fraudulent And Not Mines : Accounts : 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 2021-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valley Credit Service, Inc. (OR) (OR)

I am having an issue with Valley Credit out of XXXX Oregon. They are collecting on a debt that is already paid through garnishment from my employer. The total garnishment was for XXXX XXXX I will list out dates of payments below. Valley Credit stated they never received payment on XX/XX/XXXX of XXXX and garnishment me again on XX/XX/XXXX including an additional XXXX $ in fees. My employer stated they sent a check to the company in XXXX for the XXXX and reissued another check for them on XX/XX/XXXX in which the company cashed totalling the XXXX with check number XXXX. I spoke with Valley credit on XX/XX/XXXX to which XXXX the account holder stated they had not received payment, and to speak with my employer. It wasn't until XX/XX/XXXX that my employer provided me with a check number. I reached back out to Valley credit and she stated that they ended up received the check from XX/XX/XXXX issue date after we spoke on XX/XX/XXXX and that I am still responsible for the reissuement of the garnishment fees. Someone needs to investigate this company. They are practicing unfair collection rights in obtaining moneys that have already been paid. I should not be responsible for additional fees as my employer has already paid them. They are unwilling to work with people or even contact people letting them know they have a debt prior to any type of garnishments. They are only interested in collecting additional fees. I need this issue resolved and I need this company investigated in result of unfair business practice and collection attempts. 

XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX