davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (WA)

I have been dealing with IQ Data International for 4 years and have tried to settle the matter with the company. 

I worked for XXXX in 2018 and lived at one of their apartment communities. Due to a work conflict and an infected apartment with bugs, I was allowed to vacate the premises without owing a balance. I have provided documentation, i.e. emails from management stating I don't have a balance, to XXXX and the documentation was provided to IQ Data International and they refuse to accept my written correspondence. 

On XX/XX/XXXX, I spoke with XXXX from IQ Data International, and she advised me to go to XXXX XXXX, while she was on the phone, and apply for a loan to pay this outstanding debt. She took information from me to see whether I qualify for a hardship settlement due to my circumstances and placed me on hold. She returned back and advised me to go to XXXX XXXX  and apply for a loan for {$1800.00}, the debt is {$1400.00}. I explained to her my credit is not the best and I will not be approved, she insisted I apply. They are asking me to pay more than 20 % interest on top of the actual debt. I have no signed contract from the creditor stating I will be paying interest ; this is against the FDCPA. I have asked IQ Data to provide me with documentation from the creditor to show the stipulations, and they have refused to provide me with anything. 

After a few moments, I told her I do not owe this debt since I have written documentation from a manager. She stated I need documentation from the regional manager, which I did provide, and IQ Data is still refusing to accept any documentation and have this collection debt on my credit going on 4 years. 

This has caused me to find housing and tremendous hardship and qualifying for any credit and has impacted my score.
Consumer complaint received 2018-09-06
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: EQUIFAX, INC. (FL)

I previously disputed this account # XXXX with XXXX XXXX on ( 2 ) occassions over the last 9 months. I wrote to the creditor on XX/XX/XXXX as soon as I was aware that they were reporting an unknown account on my credit file ( see attachment # 1 copy of my letter ) I received no reply from the creditor therefore, I wrote a second letter on XX/XX/XXXX which is over the 45 days that they are required by law to respond ( see attachement # 2 copy of letter and certificate of mail receipt ) I received a reponse from the creditor on XX/XX/XXXX where the creditor stated that the account was sold to XXXX XXXX and that is whom I am to contact. I contacted XXXX XXXX who proceed to take of the fraudulent account from my ( 3 )  bureau credit files ( see copy of letter received from XXXX XXXX ) and had promised to make the ( 3 )   reporting bureaus aware On XXXX XXXX XXXX I reviewed my credit files accessed from XXXX XXXX ; XXXX and Equifax ( see attached copy of Equifax and XXXX XXXX credit reports ) and to my suprise I see that XXXX XXXX have resumed reporting this fraudulent account although I have disputed it with the company it was sold to and now it back reporting inaccurately on my credit files. I have been a victim of Identity Theft and pursuant to the FDCPA and FCRA I exercise my rights to full validation of this account which must include a written agreement bearing my signature and identification you used to process and open this account be sent to me via the CFPB portal.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC (TX)

On XX/XX/XXXX, I was forced to pay the next month 's rent on a storage unit I was moved out of. I PAID THIS. Then, due to the incorrect charge, was then REFUNDED by this company. I have the company emails not only showing my paid transaction, but their REFUND of this transaction on XX/XX/XXXX. Now I am in collections for this SAME AMOUNT that was " due '' on XX/XX/XXXX. This has now affected my credit, even though I do not owe them. I have attempted to call the debt collection agency and XXXX XXXX with no success.
Consumer complaint received 2022-07-21
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)

To whom it may concern I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible
Consumer complaint received 2018-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (TX)

This company is reporting erroneous information on my credit report without validating or verifying information. This account does not belong to me and it is hurting my credit. I want them to remove the information from my report or I will sue and take them directly to court which I am entitled up to XXXX USD for this inaccurate reporting and misleading information and all the harm it is causing me. Account Number XXXX XXXX XXXX ( Debt Collector Name ) XXXX XXXX XXXX XXXX Amount {$980.00} Date Reported XX/XX/2018 Account does not belong to me this is a mixup. So they need to remove it from my credit report or I will promise to sue the company.
Consumer complaint received 2018-09-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (CA)

I received a form XXXX XXXX identified as credit card debt. The dollar amount listed on the form as amount of debt discharged is {$1900.00}. The date of discharge is listed as XX/XX/XXXX. 
However, my last payment on this credit card was XX/XX/XXXX ( per my XXXX credit report ), and I have always lived in California. 
I called the issuer of the XXXX ( Discover Bank ) and requested that the XXXX be corrected ( deleted ). I called Discover Bank today ( XXXX ) at XXXX PST. The phone number that I called was XXXX. I asked for the telephone representatives name twice to be sure of it, and she confirmed that her name was XXXX. After I provided my personal information, XXXX  said that Discover Bank would not correct/delete the XXXX because, although my last payment was made in XXXX, Discover Bank used a 7 year statute of limitations calculation before discharging the debt through the form XXXX. 
I explained to XXXX  that I live in California, which currently has a 4 year statute of limitation to collect on credit card debt. However, XXXX still refused to correct/delete the XXXX because she said that I still owed Discover Card the money in XXXX, before the XXXX was issued. 
Since Discover Card is refusing to correct/delete the XXXX that was issued to me ( and the IRS ), I am asking that you please contact them on my behalf to force them to correct/delete the XXXX so that it is no longer being wrongly reported as XXXX canceled debt income on my ( IRS ) income tax records.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I found out that this was a collection debt for XXXX XXXX which is an animal hospital. I do not have nor have I ever had a pet and I notified the collections agency. I reported that this was a result of identity theft and they are still saying it belongs to me without any proof.
Consumer complaint received 2017-08-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (MD)

XXXX is reporting that a company by the name of Common Wealth Financial Date Reported : XX/XX/XXXXOriginal Creditor Name COMMONWEALTH FINANCIAL Balance Date XX/XX/XXXX Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Original Amount Owed {$430.00} Account Number XXXX XXXX Amount {$430.00} Creditor Classification Medical or Health Care Status Date XX/XX/XXXX Last Payment Date Status UNPAID Date of First Delinquency XX/XX/XXXX Comments Medical I do not owe the above company any money for medical bills.
Consumer complaint received 2022-08-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C. (IL)

I was not legally made aware that debt owed to XXXX XXXX XXXX was sent to collections. Today, XX/XX/XXXX I was made aware that a demand letter was mailed on XX/XX/XXXX, however I did not receive any prior written communication regarding a demand letter. No certified proof of mailing was able to be provided by the company. 

The company has previously filed a lawsuit against XXXX XXXX for a debt notice that has no proof of certified mailing for any notification. 

On XX/XX/XXXX, a summons was attempted, however was not successful. On XX/XX/XXXX, a summons was attempted but not successful. 

Today, XX/XX/XXXX I spoke to XXXX XXXX and I was told that a new suit would be filed when I stated that I have consumer right to be notified regarding debt and I did not receive a demand letter on XX/XX/XXXX and the company was unable to provide proof certified mail. 

I requested that attorney fees be removed from the account balance and any court costs associated with the balance because I never received any written communication from the company to efficiently and effectively dispute the debt. 

At this time XXXX XXXX is providing GAP insurance coverage and XXXX XXXX XXXX has not provided the necessary documentation to validate the due date change for the 1st payment due on the account ( loan due date correction letter ), and the 2nd payment due on the account ( loan extension modification letter 60 payments changed to 61 payments ). 

XXXX XXXX is unable to pay further on the loan without two letters clarifying that the 1st payment on the account was legally changed, and that the 2nd payment on the account was extended.
Consumer complaint received 2022-06-09
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (SC)

On XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX, and Equifax Information Services LLC, allowed XXXX XXXX XXXX XXXX, to place an unknown collections account on my credit report. First the company XXXX XXXX XXXX XXXX has no legal standings to collect on such alleged debt. There was no written notification regarding the alleged debt provided to me, the consumer. This is a Violation of the Fair Debt Collection Practices Act ( FDCPA ). This needs to be removed from the credit report immediately.
Consumer complaint received 2023-02-21
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-07-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (NC)

On XX/XX/2022 I mailed Upgrade INC a certified letter via the USPS, which they received on XX/XX/2022. In the letter ( attached here ) I made Upgrade INC aware that I did NOT agree with the amount of the alleged debt being reported by them to consumer reporting agencies. I requested documentation showing where the debt originated, how the debt was calculated, and any other documentation that proved their claim is valid. My request is pursuant to 15 usc 1692g ( a ). I still have not received any response from Upgrade INC nor any of the documentation I requested to prove their claim is valid.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (NY)

16 days earlier than payment was due ( payment was due XX/XX/XXXX and recurring payment was setup on XX/XX/XXXX ), after receiving instructions from a PNC bank representative on a telephone call ( I called the bank for instructions ), I set up recurring payments to be withdrawn from my external checking account for the minimum amount due on XX/XX/XXXX, but the payment was never initiated by PNC bank, resulting in a late fee and late payment reporting.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

This is not sent in by error. I am a consumer by law and my information is being misused and now I have some false not 100 % accounts on my credit report. Unauthorized used of my credit report.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/2022 requesting that Transunion reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, they have failed to respond to my request. Transunion must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm XXXX I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2018-09-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a call from a XXXX number that left a voicemail. The voicemail states that I committed a crime by actively deceiving a financial institution and that a complaint was filed. That if I did not respond it would mean my automatic refusal. I called the number back and a XXXX XXXX answered. He looked up my number, and asked if the information was correct. then he stated he was an arbitration officer and that they were asked to arbitrate an agreement for payment of a debt, and that I had to make payment arrangements today. if I did not then they would file a suit against me. when I asked for written validation he stated that they were not able to do that without me making a payment. He said he could not send anything in writing until he had my credit card information and a payment was arranged. When I asked for further information he repeated the same. he said I was not allowed to contact the original creditor at all. when I requested that he allow me time to validate the debt with the original company and to validate his right to collect such debt he said that they would have my drivers license suspended and have my car registration renewal blocked if I did not get this handled today. He never once identified himself as a debt collector. never once said the call was recorded. never truthfully identified himself. he refused to validate anything in writing. now when I call the number back it goes to a busy signal.
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (IN)

I called 21st Mortgage today to ask for Foreberance as I have XXXX  and so does my XXXX wife. I was told to even be considered for this inhave to have money up front even though it will help cover behind payments as well as on time payments. I have also been told a few months back that I was to pay my home payment even before a car payment or even my own wife 's meds. I'm also working with XXXX get hope and 21st mortgage said they can't wait 3 or 4 months for them to approve me and are very rude and try to strong-arm us. Today 's call I'd have to say was the most pleasant out of all my calls to them but they are very rude and go as far as telling us they don't have to let us stay in our home at anytime.
Consumer complaint received 2022-06-29
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. (CA)

In accordance with the fair credit reporting act XXXXXXXX XXXX  account # XXXX, 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.
Consumer complaint received 2018-09-05
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: EQUIFAX, INC. (SC)

Applied for a loan in XX/XX/XXXX, received a credit report stating I had three months of pass due payments for about {$360.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on my credit report. I made a call to XXXX XXXX about the information. They told me I didn't do my recertify paper work. I told them I didn't received anything in my inbox, or mail. They said it was my fault, and they can't change the information. I put in a complaint to the credit bureau, and they maid contact, and was given information stating that XXXX XXXX disagree with my complaint. I just recent applied for a mortgage and it is still on my report.
Consumer complaint received 2020-06-12
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. (MO)

There's inquiries on my credit report inwhich I have absolutely any knowledge of, i did not authorize any of the following inquiries, therefore I'm demanding that they be removed immediately from my credit file. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX
Consumer complaint received 2018-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: XOOM CORPORATION (CA)

At first xoom by XXXX had exciting prospects for me. I needed to transfer money to myself internationally. Once I made my first transaction I was contacted by xoom stating they needed my ID and a bank statement from my source account in order to complete the transaction. After providing my California ID I provided screen shots of my online bank account and affidavit. I was told that id was verified. however the affidavit and screenshots of my source bank account was not. Despite most financial institutions finding the supporting documentation sufficient, I was told a pdf file of my bank statement was need. As such a statement was not available for the current source bank account, I asked if it were possible to provide a new source bank account in which such a statement I could provide. The representative said that was absolutely fine.all I would need to do is make a new transaction using the new source bank account and provide that new source bank account '' s statement. As such, I did just that. I followed up and was told that the information can not be verified. This makes no sense as I submitted and official ID and bank account statement. All that was required for verification. When speaking with customer service no one seems to know what is going on. They claim they are not allowed to be transparent. 

My concern is that I provided my private information for the intended purpose o the transfer. After providing the two private documents necessary for verification, the company collected my private personal information and still did not allow me to proceed with the service such private information was intended for. Instead the company sends me messages and advertisements and fails to give proper reason why after providing such personal private documentation and information, i remain without access to service. I feel the private information collected was not used for its intended purpose and the company xoom has given to reason nor course for resolution