davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (KY)

stellar recovery inc put the same collection, but a different account number, back on my report that was deleted on XXXX/XXXX/2016 from all XXXX bureau and that account number was XXXX on XXXX XXXX they added the same debt again but a different account number, which is XXXX I was not notified by the bureau that the same agency reporting the same account that was not mine has been re-added but with a different account number.
Consumer complaint received 2016-06-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (CA)

I was a few days late on my bill ; it was posted to my account on the XXXX/XXXX/16. Since my payment posted, I recieved 11 phone calls from XXXX different phone numbers telling me my payment is due. The numbers they call from are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I did not answer all calls ; the calls I did not answer were verified through research ... not one message was left.
Consumer complaint received 2016-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (TX)

XXXX XXXX XXXX, they provided internet while I was in that address. I paid that last bill, which came to my current residence because I told them I was moving and where to send it. Why have I not heard anything until 2 years later? I moved out XXXX, 2014. What sense is that? Also, it does n't state why I owe, for what, a date, or any applicable information.
Consumer complaint received 2017-05-23
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. (CA)

In  XXXX   XXXX , I submitted a dispute with Experian regarding information reported by  XXXX   XXXX   XXXX  for {$420.00}. I electronically challenged the accuracy, compliance, and reportability of this information and stated : " Please validate this information with  XXXX   XXXX   XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 ) ( A ) , and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification. '' Experian replied with " verified '' but did not provide me any documentation nor show anything bearing my signature.     On  XXXX   XXXX ,  XXXX , I sent a certified letter to Experian, Tracking # :  XXXX   XXXX  attached ) requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifte en ( 15 ) da ys of the completion of your reinvestigation. I asked the to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.     This letter was signed for on  XXXX   XXXX ,  XXXX  by Experia n ( attached ).      On  XXXX   XXXX ,  XXXX , I received a response from Experian which was dated  XXXX   XXXX ,  XXXX , 2 days past the deadline. Their response was exactly the same as the first request for validation. They merely stated " verified ''. Again there is no signature from me showing a legal binding obligation to  XXXX   XXXX   XXXX .
Consumer complaint received 2015-05-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: IQOR US INC (OK)

I got a letter from AlliedInterstate today on behalf of XXXX XXXX XXXX on a debt from XXXX XXXX XXXX XXXX. No Full Account number listed. Since XXXX XXXX XXXX could not provide verification of debt on the last one they sent out I am sure they can not on this and the only verification I will accept from these are the followingSigned copy of the contract, Fully payment history, last payment madethis is notice that this is disputed and they are in violation of consumer protection rights actually. I never heard of this company and all of a sudden they are sending my info out to several companies : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX - all of these are LLC. None of these companies have I ever heard of or from. Since my last cc was paid off in good standing they have to prove to me that I owe the bill and not just expect me to pay a bill they say I owe in their computer system because anyone can type up information and put it in their computer.
Consumer complaint received 2016-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: IQOR US INC (AL)

i keep calls from allied interstate saying i owe a student loan from XXXX yr ago. but the loan does not have my ss # on it. XXXX XXXX the person i spoke with stated that she looked on my credit and she would change the ss # to mine because it was a typo. i explained to her that i had paid my loan that i had. she stated that they were going to garnish my wages. i do n't know how they are going to do that when that is not my ss # .i am tired of these people calling and treating me. The school is no longer in business and the director was arrested on fraud charges.
Consumer complaint received 2023-02-25
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: EQUIFAX, INC. (CA)

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, 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 2015-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: IQOR US INC (FL)

I called a XXXX in which I had a credit card with them 5 years ago and want to pay the XXXX I owe to establish my credit. They referred me to XXXX XXXX, XXXX XXXX referred me to another company at that same time they stated that I also had another account on my credit and I said that I had no idea what that was I asked if they knew and they stated they could not see in the computer but to call Allied. I called allied and they stated that there is a XXXX XXXX XXXX account from 10 years ago. I told them ten years ago I was in jail and it is impossible that the account is mine. I told them that it had to be identity theft and I also told them that under the FCRA that it was outdated and they should not be trying to collect. The guy on the phone who I could barely understand said well what do you want me to do? I said I want you to delete it immediately. I am writing you because this is outrageous. I need to get this situation rectified. I am trying to buy a home and it is impossible to buy a house without these credit companies and debt companies following the laws.
Consumer complaint received 2016-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (VA)

I received a letter from a creditor fro an unpaid debt to XXXX XXXX. I have not had an account with this company for at least 4 years and when I canceled my services in 2012 my account balance was paid in full and all equipment returned. I have not heard anything from this company in 4 years but suddenly a collection account popped up on my credit report and i received a letter in the mail. The name on the letter was the incorrect spelling leading me to believe this may be a false collection. I do not owe any debt to this company and the statute of limitations in AZ is supposed to be 3 years, which has passed anyway. 

This also appeared on my credit report which concerns me.
Consumer complaint received 2016-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (TX)

I have applied for the XXXX Loan Forgiveness program with Fedloan Servicing since I completed my 5th year of XXXX in a XXXX XXXX. I submitted an application on XXXX XXXX after submitting applications previously because I had to make constant corrections after being denied due to mistakes in the application because of failed communication by the company on how to fill out the application, which is very unclear. I received a letter today regarding the denial of my application which stated that Section 3 was not filled out properly. I have been trying to apply for this loan for quite some time this summer, and I keep getting different information as to what needs to be filled out and what does n't need to be filled out by each costumer service rep that I have spoken to. I went over the application with the last rep who told me how to fill out my portions of the application and how each school needed to fill out theirs. My districts have filled out their sections correctly, but yet my application got denied because they " did n't '' fill it out correctly. In addition, I got another e-mail stating my loans have been put in administrative forbearance. If it were n't for me checking the status online, the company never communicated this to me nor is being clear on how to fix it. I need this to get resolved immediately, and I need to be assigned one person who understands this process. I will not continue to talk to multiple reps who keep changing the rules of this application. I want one person from beginning to end who will make sure that this gets handled properly because this process has been absolutely ridiculous to deal with. I have my application and evidence that I have serviced in XXXX. The XXXX are also listed online. The individuals who filled each application out for me are the same people who have continually filled out this application for other people and never seem to have a problem with it. My XXXX and I do not understand why the application is continuing to get denied when I 'm qualified for the forgiveness loan and everything is correct.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

I run a small business as a windshield installer and I recently got a new client XXXX XXXX XXXX and everything went well he gave me a check XXXX and I deposit it into my account with chase bank on XX/XX/XXXX the fund were into my accounts. On XX/XX/XXXX I woke up with a negative account and the money was withdrawn from the check. I contacted the company he got aggressive and told me to call the cops that they will not help me. On XX/XX/XXXX I made a police report. On XX/XX/XXXX I went into chase to speak with a representative to see what they could do they said they wouldnt be able to help me. Still waiting to hear back from the Police. They insisted to try to resolve the issue peacefully but I invested about {$350.00} for the windshield itself and plus materials and my work. He couldve called and said he didnt like the work we couldve fixed it but he chose not to and just bounce the check without consulting first or making a complaint.
Consumer complaint received 2023-07-23
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-23
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. (MA)

I am writing to submit a formal complaint against Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from Equifax to date. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Because of the incorrectly reported data, I request that Equifax verifies the accuracy of the Balance of {$1000.00} for this account. I do not recall owing such a high amount, and the Past Due amount should not be provided for this closed and charged-off account. Please mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} I require Equifax to verify the information reported for this account, as the Balance of {$330.00} is inaccurate in my recollection. The Past Due amount should not be presented for this closed and charged-off account. Kindly mark this account as disputed while I resolve my dispute with the creditor, so that it is not held against my credit standing. Moreover, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} The account XXXX  needs to be examined due to incorrect reporting. The Balance of {$600.00} that you report seems to be higher than the Balance that I remember. Your agency presented this account as closed, so the Past Due amount is not supposed to be provided for this account. I think it may be beneficial to address the misleading data directly with the creditor. I am determined to immediately proceed with such a course of action, but I need your agency to report the account as disputed while I'll be trying to find a solution. 


Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$10000.00} This account was never late, and I request Equifax to correct this inaccurate information on my credit report. 


Account Name : XXXX  ( Duplicate entry ) Date Opened : XX/XX/XXXX Balance : {$600.00} This account was never late, and I request Equifax to correct this inaccurate information on my credit report. 

I am deeply concerned about the inaccuracies in my credit report, as they have significantly impacted my creditworthiness. These errors have the potential to affect my financial opportunities and obligations adversely.
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SECURITY FINANCE CORP (NV)

Unknown, unverifiable and outdated. I have done business in the past years ago with this company and accounts showing in good standings except for XXXX. Disputed with no outcome. Please help assist me.
Consumer complaint received 2022-01-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: 2288984 Ontario Inc. (TX)

I received a call on XX/XX/XXXX from monkey saying that they were calling about a loan someone open in my name the account was open in XXXX of XXXX under a bank account that I no longer has access too and a job I haven't worked at since XX/XX/XXXX there saying I owe XXXX which I have no clue of the money and that they is going to file a legal suit against me.
Consumer complaint received 2023-02-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have been working extremely hard to build my credit over the past few years to the point I now qualify to purchase my first home. I have put an offer in on a home and paid off a credit card that had a balance of approximately {$130.00}. Equifax then dropped my score because it was paid off XXXX points. I am now out of range to purchase a home. I contacted Equifax on XX/XX/23 @ XXXX to discuss this issue and how to correct it. After being transferred multiple times I spoke to a XXXX or XXXX who said there's nothing is gon na do about it and I asked several times to be transferred to his supervisor and the supervisor name to which he said no several times. He stated he is the supervisor and it stops with him. This is obviously a costly mistake by dropping someone XXXX points for paying off a credit card, not even closing it. I can now not continue with purchasing my home and will be homeless.
Consumer complaint received 2023-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TMX Finance LLC (PA)

Yes I'm trying to find out what should I do because I found out TitleMax had made a settlement but everybody that did business with them and I did business with them so I'm trying to find out if I need to do anything to get restitution
Consumer complaint received 2021-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (NY)

I was to receive a XXXX bonus from Key bank for opening a new checking acct and making a direct deposit of XXXX which I did on XX/XX/21. No XXXX bonus. Its impossible to call them.. On hold forever and when I did get someone she kept telling me I had to keep holding. They are EXPERTS in terrible customer service. Hard to talk to a person. Bank manager could not help! I opened the acct online with the code # for the bonus auto. filled in on application.
Consumer complaint received 2015-11-09
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

We placed merchandise on eBay listed a Go Pro Camera Hero 3 silver including accessories of a battery pack, charger with USB cord, chest mount, head mount, touch screen, XXXX cases with interchangeable doors for the camera listed for the 'buy it now price ' of {$350.00}, valued according to fair market at approximately {$560.00}. Received an offer from XXXX to purchase the camera with equipment for {$350.00} plus additional shipping and handling fee of {$50.00} which made the total {$400.00} noting that it was 'a birthday gift ' received from PayPal via email, with a realistic transaction ID number, and with the PayPal logo . Emails and text messages were exchanged between the fake buyer and us the sellers. The money was requested and to be placed into the PayPal account. We received several emails that stated that it may take 'several days for the transaction to appear in the account ' however it went on to say that the 'account could be credited in the next 24 hours '. We also received a confirmation shipping reference number written on PayPal documentation. But the money was never received into the account, the merchandise had shipped. According to the phone calls to PayPal, they were not responsible for the transaction and stated that it appeared to be a fraudulent email. It is extremely frustrating, disappointing when this was the first time we attempted to sell using PayPal. It is a shame that Pay Pal does not have their website secure and take responsibility for the fraud that occurred. I will submit the emails obtained from the fake buyer and please note the transaction ID listed on PayPal logo.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Regardless of the multiple written requests, the inaccurate information about my accounts listed below are still reporting on my Equifax Credit Report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the concerned accounts : XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX - XXXX opened XX/XX/XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX - XXXX opened XX/XX/XXXX XXXX
Consumer complaint received 2023-07-23
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: EQUIFAX, INC. (SC)

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.

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.