davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (AL)

OnXX/XX/2018XXXX I mailed a letter to ERC requesting debt validation. I was sent a copy of a bill from XXXX XXXX XXXX in the amount of {$1000.00} and no validation about a XXXX bill in the amount of {$650.00}. I requested proof that I was the party to pay this debt, and requested proof that there is some contractual obligation binding me to pay, or something that bears my signature. I stated in the letter dated for XX/XX/2018, that this was not a request for verification but a request for validation. I requested the following items : -agreement with the client that grants you the authority to collect on this alleged debt -agreement that bears the signature of the alleged debtor where he/she agreed to pay the creditor -date alleged debt became payable -date of original charge-off or delinquency verification that debt was assigned or sold to the collector ERC has failed to provide me with this information. Under the FDCPA, I have the right to debt validation. It is the debt collector responsibility to prove the account is really my responsibility and that the balance is accurate. In addition, the collection agency must also prove they have the legal right to collect this debt.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX and my address is XXXX A XXXX XXXX XXXX, Md XXXX all of the other names and address are wrong and incorrect that appear in my credit reports are wrong.
Consumer complaint received 2018-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

THIS DEBT DOES NOT BELONG TO ME. 
In the early part 2018, I requested validation of debt from IQ Data International Inc regarding the erroneously reporting of a debt to all 3 major credit bureaus. Upon return from a family emergency out of town, I received a letter from IQ Data International Inc stating that the principal balance due in the amount of {$6400.00}, Interest due in the amount of {$410.00} that gave a total balance due in the amount of {$6800.00}. I do not have an account with this agency and when I contacted the alleged original creditor in XX/XX/2018 I actually reached out to the original creditor ( XXXX XXXX XXXX ) at a XXXX # and spoke with XXXX/XXXX  ( not sure on how you spell it ) however, I was not given any information on the account. I later call back to speak with another rep and after asking about information pertain to the alleged account I was advised that all business could be handled with the collection agency. I then began to research/request my public file from XXXX County and seem where there were no files for eviction of any sort for this property or from this collection agency. Upon further research of my consumer rights, I found out that this agency is NOT bonded in the state of Texas, which according to Texas Finance Code 392.101, prohibits them from collection activities. This is the first violation that subjects the debt collector to civil and criminal penalties and entitles me to civil remedies under section 392.403. In addition to the bond violation, a debt collector may not add interest to a balance that were not included in the original contract. Again, although this contract does not belong to me, every time the collection agency reports to the credit bureaus, the amounts continue to increase, even after they failed to STOP reporting during an investigation. There is nowhere in the contract that states any interest will accrue. No one deserves to be victimized by overly aggressive debt collectors and their unlawful practices by them completely knowingly ignoring the Fair Debt Collection Practices Act, which they MUST comply to. I demand that any and all collection activities not only cease and desist but be PERMANENTLY deleted from all records internally and externally within the company, the original creditor and all major reporting agencies namely XXXX, XXXX and XXXX. I have attached a copy of my findings using several searches.
Consumer complaint received 2018-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (MI)

XX/XX/XXXX : I was sent a final account statement from my previous apartment complex, XXXX XXXX of XXXX, NC, stating I owe a total of : {$5300.00}. My charges equal a total of {$1400.00} and XXXX XXXX is charging me an additional amount of {$4100.00} to " move-out ''. They had signed me up for an additional 4 months, from XX/XX/XXXX to XX/XX/XXXX. My lease was originally set to end on XX/XX/XXXX. I spoke with the apartment manager ; XXXX XXXX via email on XX/XX/XXXX stating I needed to extend my lease until the end of XX/XX/XXXX, ONE month total. She forwarded me the lease to sign and it was returned to her on XX/XX/XXXX. She had signed me up for an additional 4 months. I agreed to only an extension of ONE month not FOUR. I was charged {$4100.00} in rent/late fees for those additional months. I will gladly pay the {$1400.00} in charges for the month of XX/XX/XXXX. I moved out the last day of XX/XX/XXXX and sent her notification of my move out date. This incorrect charge is now in collections and damaging my credit score, preventing me from applying for credit cards and loans. I have an email with payment confirmation for XX/XX/XXXX rent, I have attached these email conversations. The payment was made by my boyfriend at the time, XXXX XXXX.
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX, JPMorgan Chase disbursed {$940.00} from our mortgage escrow account to pay our property taxes. As of XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX office shows that our property taxes are unpaid. I have repeatedly contacted Chase by secure message and I send a certified letter on XX/XX/XXXX regarding our property taxes not being paid. Chase has repeatedly lied and said that they paid our property taxes on XX/XX/XXXX.  They even told me that they mailed a check to the tax assessor 's office. Last year, we were told by the tax assessor 's office that Chase pays property taxes by electroncic transactions not mailed in check.
Consumer complaint received 2017-12-27
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. (TX)

Incorrect Items. 

Hard Inquires that I did not authorize. I have reached out to different companies and Equifax have received no assistance. 

HARD INQUIRIES THAT ARE INCORRECT : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT INFO : XXXX XXXX XXXX XXXX account XXXX XXXX is showing as account being closed but is actually open and active
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am a victim of Hurricane Irma. I have had 5 addresses in 3 states since XXXX due to Irma. I have been working on looking for transportation, a place to live and reducing my debt. As such, I have had to apply to a few financial institutions to see what my options are. 
**Hence all three credit reporting agencies are stating, 'Too many inquiries in the last 12 months '. That is unavoidable due to Hurricane Irma. Please help me remedy the issue. 
**I have no credit card debt or home loan, yet Experian and XXXX XXXX are reporting 'Proportion of balance to high credit on bank revolving or all revolving accounts ' is high. 
**I do not owe anything on any credit card or revolving accounts yet XXXX XXXX is reporting 'Amount owed on revolving accounts is too high. ' **I have no delinquent accounts, yet all three reporting agencies are showing that I have recent delinquencies. I do n't have any revolving debt. I only have a car payment and I have not been late. 

Hurricane Irma has disrupted my life. I have always had impeccable credit and should not be punished further by credit reporting agencies by trying to recover from a natural disaster.
Consumer complaint received 2022-02-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (CA)

https : //brightlending.com/ is a tribal lender loan. I was referred to them when I found out XXXX had closed. I didn't realize the APR was 699.4069 %. I borrowed {$500.00} and now I owe {$2800.00}. This should be illegal.
Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Franklin Collection Service, Inc. (FL)

I received a letter from Franklin Collection Services. The letter offered me an settlement on an XXXX account that I do not have ( never had XXXX ). In the letter it stated pay or contact your attorney. I attempted to contact this company and was told that they suggest I speak to my attorney to protect myself. When I asked from what the agent laughed and stated collection efforts. I now feel intimidated and afraid for my life and my financial future, seeing as these people have my address and my phone number and are threatening legal action with no proof or validation offered!
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I opened an account with XXXX XXXX ( XXXX XXXX XXXX ) through a promotional offer at the XXXX XXXX location in XXXX Ohio on XXXX/XXXX/XXXX. I received the statement and the balance of {$48.00} was paid and left my bank electronically on XXXX/XXXX/XXXX, within 19 days of the initial charge. On XXXX/XXXX/XXXX I was charged a late fee and on XXXX/XXXX/XXXX a min fee was charged of {$2.00} before the payment was applied that same day. I called on XXXX/XXXX/XXXX and requested to have the account closed. I felt I should not have had a statement until XXXX and the fees were excessive and unfair lending practices. I received another statement this month and now the balance has increased to {$60.00} all late fees and min fee charges with no indications on the statement that the account is closed. I called again and was told the first statement was generated on XXXX/XXXX/XXXX, 1 day after the account was opened and the initial charge because the account was opened in the middle of a statement cycle which was XXXX/XXXX/XXXX This delayed the statement reaching me via mail. The statements are generated on the XXXX of each month but do not reach you until later in the month. I feel these are unfair lending practices and fall into the predatory lending category.
Consumer complaint received 2020-11-25
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 (IL)

Started my Public Service Forgiveness process on XXXX. My lender altered my loans and changed my payment status several times over the course of the 10 years and I am now at 48 months of forgiveness instead of nearing the 120 months of forgiveness. I have attempted to call the servicer several times regarding this issue and each time you receive a different answer and a different employee. I have requested in writing my loans were altered and they have failed to provide proof of my request to alter my loans or change my repayment status.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (NY)

XXXX XXXX XXXX ( now owned by Keybank ) allowed a payment to go throught that I did not make to a payday loan. When they investigated it they wanted me to speak with company and give my personal info out. I refused and XXXX XXXX sided with fraudlent company. I continued to fight them even filed complaint with CFPB when it happened. I was going through a bankruptcy and included this in it and was discharged in XX/XX/XXXX. While going to op ; en a new checking account it was found they have me listed fir XXXX owed to them
Consumer complaint received 2021-11-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MN)

As of XX/XX/XXXX, according to my my XXXX Bank. Credit report, I have dropped XXXX points. The data is supplied to XXXX XXXX site by XXXX. I contacted XXXX for a response, and was told that there system showed an XXXX max XXXX  score. The XXXX Bank is an almagamation of XXXX credit bureau, using a XXXX XXXX. The rating encompasses a larger number span, abet in my case my score should not have dropped to that extreme, moving me from an exceptional credit status to a good credit status. This has happened recently, with any rationale, only to have the points reinstated, to include extra points. I have made efforts to contact the customer service area, but get only automated prompts, that live customer service is unavailable. I feel, not only XXXX, but the credit reporting outlets have gliches in their systems.
Consumer complaint received 2018-03-25
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: Experian Information Solutions Inc. (CA)

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : XXXX XXXX XXXX  XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX A notarized Identification has been attached
Consumer complaint received 2019-03-04
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 (CA)

The school had me take out a nearly $ XXXX student loan in order to enroll and complete their XXXX XXXX   program. however, they did not tell me that there was two parts to the program and that I will later have to take out a second loan to complete the second part of the program. The whole time I was in school, I was under the impression that the $ XXXX loan would cover both parts of the program. Once the first part was complete or nearly completed, I was then informed of the fact that a second loan would be needed in order to continue. I was then also informed that I would have to quit my job in order to complete the second part, again, the whole time I was under the impression and the school made it seem like I could continue going to school and keep my day job in order to pay my rent. It turned out that the second part could only be completed full time which made it impossible to complete the second part of the program and keep my job to pay my rent. I was left with no choice but to stop going to school and was left with a nearly $ XXXX student loan which I've paid more than half already but it is getting harder and harder to pay it and the school didn't really help me reach my goal. Is it possible to get this type of loan forgiven? It has made hard for me and my wife financially and I got nothing out of it.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TN)

Initiated {$7500.00} ACH transfer on XX/XX/XXXXfrom checking account to Coinbase account ( US dollar wallet - no currency conversion involved ). Coinbase site states 3-5 business days until money will be available in my Coinbase USD account. 

{$7500.00} left my bank account the next day on XX/XX/XXXX. It is still not deposited into my Coinbase account. The max timeframe of 5 days has already passed. 

Coinbase website states they have degraded service due to currency conversion issues. However, there is no currency conversion involved in my order. A simple ACH transfer of {$7500.00} from my checking account to my USD wallet at coinbase, there is no conversion involved so this should not be delayed. 

Coinbase is keeping peoples ' money a lot longer than they say they will. XXXX is full of users with the same complaint. 

I have tried to contact Coinbase but their support is non-existent. Suggest to fine Coinbase and/or revoke their license.
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (MD)

I have small business and I was have XXXX Insurance XXXX and XXXX Insurance send my company to collector for {$610.00} only for change the company they do n't happy we us went I tell I do n't going continue with your service and after that they send me the bill for {$610.00} And I do not owe they anything. collector company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXXClaim No XXXX
Consumer complaint received 2019-05-31
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. (TX)

There is an account from XXXX XXXX XXXX  on my credit report. It shows that that account has been sold to XXXX XXXX XXXX. I recently sent XXXX XXXX XXXX a debt validation letter and the response I recieved was dated XX/XX/2019 says that the collection is terminated. 

I am wondering why is this account currently showing that it is still in collection. Why hasn't the account been deleted if the collection has been terminated from my credit report?
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

This is a judevent that has been removed from all other XXXX and XXXX. The account is also over 7 years old.. I have spoke the customer servicell also. customer service would not help and take care of the negative reporting to my credit report.
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX