davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

I satisfied my loan obligation. The mortgage lien remains of record, as the lender failed to file a satisfaction of mortgage at the county clerk. Even upon providing a copy of correspondence confirming the loan was paid in full and a copy of the satisfaction from the lender, and after the passage of weeks of time ( nearly a month ) I have had no response. 

My house is under contract to sell and the closing date was XX/XX/2019. I am very concerned my buyer may declare me in breach and I would be in serious financial jeopardy with the buyer. Additionally, I am under contract to purchase a home and risk the same serious perils. 

Please help me secure a satisfaction of mortgage.
Consumer complaint received 2019-05-16
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. (OK)

Equifax ; XXXX and XXXX are reporting an unsubstantiated claim by XXXX XXXX XXXX  a collection in the amount of {$2700.00} partial account number XXXX. ( Please see page 24 of the attached credit report. ) These line items report Ownership as either Joint and/or Co-Signer. I did, in the past, co-sign for a friend on her apartment. She resided in the apartment for the one year lease term. After the initial lease term expired, I was no longer financially obligated to this lease. She decided to stay in the apartment for another year. She solely, on her own, signed the new lease. I did not sign any documentation for a new lease term. She consequently decided a short time after to vacate the premises. Now XXXX XXXX XXXX are holding me responsible for her breaking her lease. I, again, did NOT sign any documents for the new lease and I am NOT monetarily responsible for this debt. This incorrect reporting of a collection on my credit report is harming my credit score.
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (FL)

THIS IS A FOLLOW UP TO COMPLAINT # XXXX, I CONTACTED DIVERSIFIED ADJUSTMENT SERVICES INC TO SEE IF THEY WOULD DELETE THE COLLECTION ACCOUNT ONCE IT WAS PAID IN FULL AND THEY TOLD ME XXXX THE ORIGINAL CREDITOR WOULD NOT ALLOW THEM TO DELETE SUCH ACCOUNTS THEY CAN ONLY MARK IT PAID IN FULL. I WAS THEN ADVISED TO CALL XXXX TO SEE IF THEY CAN SEND AN EMAIL OR LETTER TO DIVERSIFIED ADJUSTMENTS PERMITTING THEM TO DELETE SAID COLLECTION ACCOUNT ONCE IT WAS PAID. XXXX STATED TO ME IT IS THE WILL OF DIVERSIFIED ADJUSTMENT SERVICES TO DELETE SUCH ACCOUNTS. I NEED TO KNOW IF I CAN HAVE THIS COLLECTION ACCOUNT DELETED FROM MY CREDIT REPORT UPON PAYMENT IN FULL. THIS IS THE LAST FORM OF DOCUMENTATION I NEED TO PROVIDE MY MORTGAGE BROKER TO MOVE FORWARD WITH SECURING MY HOME LOAN PLEASE ADVISE ACCORDINGLY
Consumer complaint received 2019-05-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Second Round Limited Partnership, Austin, TX Branch (NY)

I have received a lawsuit and a threat to garnishee my wages. I have not heard of this company. I have had no idea who these guys are. None of my records from my credit report match the amount shown on the paperwork I have received. I attempted to contact the lawyer they took my case to and they hung up on me.
Consumer complaint received 2019-05-16
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)

Hello I was contacting yall because I went to try and get a car and my was not approved. I'm trying to see how there are things on my credit that is not mine. Can you please take off these accounts. I have contacted the FTC and I contacted the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, and XXXX XXXX.
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

After several correspondence with Chase Executive Representatives trying to solve this issue with a scam with suitcases I ordered and never received. Chase Bank failed to solve this issue but blamed the Postal Service for stealing my luggage it was the United States Postal Inspection service that solved this scammed in order for me to get my money back. Chase Claims and Executives did not investigated but deducted the monies from, my account stating the merchant who scammed me stated I received the items. I submitted the proof to the Chase claims unit with difficuilty and received my monies back on XX/XX/2023 I received a letter on XX/XX/2023 from the executive office why they declined to refund me monies to me I already received on XXXX XXXX. 
Until I received these letters, I assumed my case was closed. But receiving these letters opened an old would I was trying to heal from. Its apparent that your company need a formal investigation into your Executives and claims departments on how they are investigating and communicating and treating the Bank customers who are investing and entrusting your institution with our monies we work hard for,.
Consumer complaint received 2023-07-22
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: Experian Information Solutions Inc. (GA)

In accordance with The Fair Reporting Credit Act, this creditor has violated my rights.

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

15 USC 1681 Section 604A Section 2 A credit/consumer reporting agency can not furnish an account information, without my written instruction.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open and active consumer plan as late for any purpose. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-16
Product: Debt collection — Credit card 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: Nelson Cruz & Associates LLC (VA)

On XX/XX/XXXX I called back Nelson and Cruz associates and spoke to XXXX XXXX, She asked me why I stopped paying a credit card in XXXX, I explained to her that I had lost my job, I agreed to set up payments for XXXX a month for 4 months, she asked me for my credit card number gave it to her and we hung up. About an hour later checked my account and they had took out XXXX, which I had told her I was on a fixed income and could not afford anymore than XXXX every two weeks. So I called back and she was at lunch and talked to her so called boss XXXX XXXX who proceeded to talk over me and I tell me that service charge was not his fault, and he said did she tell you would could take it out of your banking account for a XXXX charge instead and I said no she never gave me a choice. I said I will just resend my offer and stop the card and he said go ahead and you will get in a lot more trouble, He said that it was my problem I couldn't pay my bills, He kept talking over me and was very hateful, I did call him 2 XXXX  words, I hung up and called back and the next operator said that he hated to hear a women cry but, people like me just didn't understand and I said people like who, he said we don't have time to deal with this everyday on the phone. Well isn't that his job? I was very nice when I spoke to XXXX and agreed to pay the bill, but no one gave me a choice of how to pay it, No one told me there was a XXXX service charge. XXXX XXXX is a problem and needs to be reprimanded, but you know what no body cares?
Consumer complaint received 2019-05-16
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. (IL)

Transunion Credit bureau has not removed an incorrect item from XXXX XXXX XXXX on my credit report. The other two credit bureau did a investigation and found the reporting in my favor and removed the item. But Transunion found it to be accurate. Why has the other two credit bureau removed this item from my credit report an not Transunion. It only took Transunion only a couple of days to come to this conclusion? Did they actually do an investigation in three days?
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

REMOVE FRAUDULENT UNAUTHRIZED ITEMS. 

UNAUTHORIZED FRAUDULENT DEROGATORY MARKS/COLLECTIONS 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
Consumer complaint received 2019-05-16
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: Experian Information Solutions Inc. ()

I am a 100 % service connected XXXX veteran who is a victim of credit card fraud and identity theft. In XX/XX/XXXX I was affected by the data breach and consumer services. Also, in XX/XX/XXXX my wallet, credit cards, keys, and cellphone was stolen from my vehicle while traveling out of the country in the XXXX XXXX. However I have repeatedly contacted all three major credit bureaus mainly XXXX   providing a police and incident report. The aftermath has caused my FICO score do decline significantly. The three major credit bureaus are less responsive to solve the issues that has a major impact on my small business and personal credit
Consumer complaint received 2019-05-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC (NJ)

I have been negotiating with Fay Servicing since XXXX of 2019, they informed me that the property has been appraised for $ XXXX and made my client get insurance on the property in order to get this short sale approved. They informed me 3 weeks prior to the sale date that the investor wanted an offer of $ XXXX and I emailed my client right away asking them if they were willing. They agreed, and soon after I spoke back to the agent managing this deal, he raised the price from XXXX and asked " how bad does your buyer want it? '' to now netting $ XXXX, so the offer would have to be around $ XXXX. This was not reasonable for the appraisal on this property came back as $ XXXX. They would not give me the name of the investor, this is the third time a short sale has gone through the whole entire process, only to be shut down at the very last minute because the agents aren't truthful about the numbers. I do not believe they are communicating with the investor because traditionally in a short sale an offer for fair market value is acceptable. I have recording and proof that my clients have been misguided and bullied into letting their properties go into foreclosure, when all they want to do is avoid auction. Very poor management communication, the managers would never call back or reply to emails.
Consumer complaint received 2019-02-11
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. (GA)

CFPB is full of complaints against the XXXX XXXX XXXX XXXX. I have filed a number of complaints attempting to correct my XXXX, XXXX and Trans Union accounts. The false reporting has a deleterious effect on my livelihood, my ability to obtain credit and work. I am asking CFPB to conduct an in-depth investigation into my complaint and enforce compliance. XXXX XXXX XXXX XXXX continues to report false information to each of the three credit reporting agencies. XXXX XXXX XXXX XXXX pursued collections on a credit card account I previously held with them. I demonstrated a number of times that I was the victim of fraud and that the charges they alleged were not of my making. I provided them all the law enforcement reporting I had pursued. XXXX  ignored all this information and proceeded with collections. XXXX XXXX XXXX XXXX then CANCELLED THE DEBT when they CHARGED OFF the account and issued a XXXX  reporting the cancellation of the debt. XXXX XXXX XXXX XXXX continues to report a PAST DUE amount of {$22.00}, XXXX. By law, XXXX XXXX XXXX XXXX can not continue to pursue a debt they have cancelled. XXXX XXXX XXXX XXXX can not claim {$22000.00} is PAST DUE when they have charged off the debt and cancelled it by XXXX. XXXX XXXX XXXX XXXX  abandoned all claims when they charged off the debt and issued the XXXX to the IRS. I want this account removed. I want the PAST DUE amount reduced to {$0.00} because nothing is PAST DUE. I want a clean, updated Credit Report. Accounts With a Negative Pay Status LENDERTYPEBALANCE XXXX XXXX XXXX XXXX COLLECTION/CHARGEOFF Credit Cards {$22000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Charge off Account Status Derogatory Amount Past Due {$22000.00} Account Details Bureau Name XXXX XXXX XXXX XXXX  Account Type Credit Card Responsibility Individual Credit Limit {$22000.00} Credit Used 101 % Highest Balance {$22000.00} Date Account Opened XX/XX/XXXXDate Account Closed XX/XX/XXXX Payment Details Amount Past Due {$22000.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX, VA XXXX Remarks Charged off. Canceled by credit grantor.
Consumer complaint received 2019-02-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA,XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXPORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : Acct # XX To Whom It May Concern : This letter is regarding account # XX, which you claim XXXX. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA,XXXX SSN : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Associates Loan Servicing LLC (FL)

This is the second time in 18 months that XXXX has inaccurately reported my account as not current. The company is DBA - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They have just reported my account 30-59 past due. On XX/XX/XXXX I actually paid my account in full. The email I sent to the company is below. They won't respond and can't be reached. I suggest you contact both XXXX and the company they are DBA as who they might have sold the loan to. 


XXXX XXXX XXXX XXXX XXXX ( 11 minutes ago ) to inquiries I am in the middle of a home purchase and just paid this loan in full. It was paid in one week ago in XXXX. 

Your last credit update to XXXX shows this loan as 30 days past due. It has never been 30 days past due. I am simultaneously filing a policy report, claim with the Florida AG, and a complaint with the CFPB. Your are egregiously impacting my home purchase. I demand a call immediately and an update to the credit bureaus showing my account paid in full and NEVER late. 

My last 4 payments to your company which I am pulling directly from my bank statements : - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$350.00} - XX/XX/XXXX - {$370.00} - XX/XX/XXXX - {$6300.00} ( paid in full )
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I noticed a collection account on several of my credit reports from FAIR COLLECTIONS & XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I submitted a dispute for this company alleged debt against me, as I have no knowledge of this debt. I was notified by both XXXX and XXXX XXXX that the debt " meets FCRA requirements '' and would remain on my record. I wrote letters to both XXXX XXXX and XXXX  as well as '' FAIR COLLECTIONS '' for written verification of this debt which I am entitled to under the FCRA. I have not received any form of communication in writing in regards to this alleged debt from anyone to this point. 
Under Florida law, my state of residence, debt collectors must hold a licence under the Florida Department of Financial Regulations. For fear this company may be some sort of scam I checked the Florida Department of Financial Regulations to check to see if FAIR  COLLECTIONS & O XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX hold a valid licence in my state to act as debt collectors, The company does NOT. My research I preformed on the verify a licence portal of FDFR did not show as them to NOT even be a legitimate debt collector in the state of Florida. I would like this false debt deleted off of my record.
Consumer complaint received 2019-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (MI)

On XX/XX/2019 I received a letter from Ability Recovery Services , LLC in reference to an alleged debt with XXXX XXXX. I called Ability Recovery Services and informed them that this was not my debt, that I had never signed up for anything with XXXX XXXX, and I was not going to pay this debt. The CSR informed me that since my date of birth matched up with what they had in the system, that this was in fact my debt, and I would have to pay it. He further stated that XXXX XXXX would have " proof '' that I signed up and that because of that I would have to pay it. Once again I informed him that I never signed up for anything with XXXX XXXX, that I was the victim of ID theft and that this was not my account. The call ended with that, but that is not where it stopped. I got an alert from XXXX that a new " collection account '' was listed on my credit report. This collection account was listed by Ability Recovery Services,  and has XXXX XXXX listed as the original creditor. This caused my score to drop my over 50 points. I filled out an ID theft affidavit, and I also went to the XXXX Township Police Dept. This is not my account, I want it deleted from all of my credit reports. I would file suit immediately in the XXXX Federal Court, but Ability is NOT registered with the state of Michigan and they have a history of default judgments in this district.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

I visited XXXX XXXX store to purchase a gift for my girlfriend. Since I never received my card in the mail and didnt have any information about my account, the cashier told me to provide a form of ID and she could locate my account. I informed the cashier that I really need access to my account and a card re-mailed because I never received one. She phone customer service on my behalf and after I verified my account, I was told a new card would be mailed. I am a XXXX XXXX XXXX who works in Texas but lives in Florida. I only go home to Florida every six weeks. So, im constantly checking my mail and gathering everything to bring it back to Texas with me. However, a new XXXX card never arrived neither did a paper bill. After not hearing from them via postal mail, I finally received a call from XXXX XXXX XXXX about my unpaid bill. I explained again to the rep that a card has never arrived in the mail and I had no account information even after I had already gone inside a store and told the cashier the same information. The rep took my payment via phone and the account was brought to {$0.00}. I checked my credit report last week and noticed they reported a late payment ( 30 days late ).