davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (NY)

XXXX I reviewed my credit report and noticed my score dropped substantially. Diversified adj svc had placed a derogatory mark stating I had an unpaid balance. I immediately called them XXXX with a busy tone on the line. I attempted various times again on XXXX when I finally reached an agent. I advised the agent that I was never made aware of this account or received prior notification but that I am willing to pay the full balance if it can be removed as I am in the process of applying for a business loan. The agent advised me over a recorded line that they will not remove the account as it has been in collection for some time well over a few years and also stated they simply collect payment and do not work alongside the credit bureaus. He said once the payment is made that I can speak with them. I asked who the account pertained to and he advised me it was XXXX. I advised the agent that it would be impossible as I had not been under XXXX employment for less than a year. I also requested verification of the debt to the address I provided as I never received prior notice or contact violating my rights to dispute. He said " Just pay your bill! ". I mailed a letter to the collection agency XXXX again requesting verification of the debt as I had never been contacted in any shape way or form and again extended my willingness to pay in the full balance for removal of the remark due to not being contacted within a timely manner and would await XXXX days from the mail date. XXXX at XXXX XXXX diversified specifically contacted my sister who is a minor not only disguising the nature of the call but also advising her it was an attempt to collect a debt once she verified I have not lived at that current address for several years. XXXX I had still not received any notice or call from the agency. I called XXXX for assistance and was advised that Diversified like any collection agency has the ability to remove the remark but that XXXX can not further assist me. He advised me to check online where I verified the XXXX agent 's statement that Diversified does in fact reports to the credit bureaus. Diversified has violated my rights as a consumer under the FDCPA by never having contacted me prior to reporting the account in question or providing me notice after I and not they, initiated contact with them. I have provided them my address and phone number twice. Once over the phone and in my letter to them but still received nothing. They have also violated my rights by not only contacting a minor who is not under my care but also disclosing the nature of the call rather than contact me directly. The mishandling of the debt to be paid shows irresponsibility and zero accountability on Diversified 's end.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

Equifax never confirmed my credit report freeze ( the other two bureaus did ) Equifax never provided me with my free credit report ( the other two bureaus did ) I received a text today from Equifax stated " Trusted ID detected activity needing your attention. Log into your acct or call customer service ) -- so maybe I have some product I am not aware of I log into Trusted ID with email and typical password and find I have an account. 
The website said I needed to contact customer service. 
The first time I called, my call was answered in EIGHT minutes. And then I was DISCONNECTED!
So I call back in. I 'm connected more quickly and am typing this as I 'm on the call for 15 minutes and 24 seconds. NOTHING has been provided. I do n't know if I have an account freeze. I have learned NOTHING about the text that was sent to me and I have no assurance of getting a credit report. 
I can not understand the customer service representative, named XXXX. 
THIS COMPANY needs to go out of business. 
PLEASE HELP.
Consumer complaint received 2017-10-06
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a Capital One business credit card that is improperly reporting to my personal credit. All business credit card companies do n't report your business credit to your personal credit. That is why there is XXXX XXXX XXXX XXXX for business and FICO for personal. My business is totally separate from my personal and the two should not be intertwined. I have a real estate business that requires me to hold large amounts of debt for sometimes months at a time, then the cards get paid off when a home sells or I refinance. Having a large balance does not affect my paydex score since you do n't get penalized for having high balances on credit cards with business. You do, however, get penalized when it is a personal card. I had excellent personal credit ( XXXX ) and was wondering why I received an e-mail one day from my credit monitoring service stating that my score significantly dropped. I could n't figure out why until one day I pulled my credit and saw that my XXXX was through the roof! Capital One was reporting my business card on my personal credit! This has adversely affected me on the personal side and has not allowed me to get the best rate and terms on my personal loans. I even got denied from an online lender which never happens! When I called Capital One and told them to stop reporting my business to my personal credit report they were extremely rude about it. Their answer was that they can pretty much do whatever they want. My answer to them was just because they have n't gotten sued yet over this does n't make it right. These people need to be stopped! If they do n't comply there will be repercussions. This is wrong!
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (VA)

I have disputed the accounts on several occasions asking for verification of the debt, update the account status to paid ( I sent the paid letters to the original creditors ) or delete account information because it was reported by a collection company on the credit report. Each request has only come back ( from the original creditor ) account information is updated ; nothing ever changes. My main issues are with XXXX XXXX and XXXX XXXX XXXX. Each time I call to speak to a representative about updating the status to paid, they tell me they I will have to call different departments because not all of the accounts are in one place ; although, the address to all accounts are in Florida. XXXX refuses to update the status or delete although the items are paid and the original creditors are still reporting as well. XXXX XXXX is also reporting some of their accounts as well as the original creditor. XXXX XXXX is the last creditor. 
I disputed with the CRA on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2017-10-06
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: CITIBANK, N.A. (GA)

XXXX XXXX XXXX XXXX made XXXX unauthorized hard inquiries on my credit. XXXX XXXX XXXX XXXX XXXX no amount listed only has XXXX Credit card XXXX XXXX their name. XXXX XXXX XXXX, XXXX same situation. They list no contact info and my attempts to contact someone willing to claim responsibility have failed. 

XXXX made XXXX hard inquiry on XXXX XXXX, XXXX no amount listed only Mail order firms listed. They also list no contact info and my attempts have failed to find party responsible. 

XXXX XXXX made a hard inquiry on XXXX XXXX, XXXX No amount listed only XXXX XXXX XXXX XXXX. They also list no contact info/ my attempts have failed here as well. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX No amount listed/ no contact info. My attempts have failed. 

Below is an actual copy and paste from my Credit Karma account : Inquiry details XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report untilNov XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX from XXXX XXXX, XXXX - Mail XXXX Firms This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX. 
This inquiry could stay on your report XXXX XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
Citibank XXXX XXXX from XXXX XXXX, XXXX - XXXX Loans XXXX. 
This inquiry could stay on your report untilJul XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report XXXX XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor.
Consumer complaint received 2017-10-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (FL)

Selene Finance foreclosed on my home XXXX and did n't try to assist me with a loan modification. I put that behind me and moved on with my life. I received a response to my loan modification dated XXXX stating that my deed in lieu was denied because of excessive liens? I found this to be anothe slap in my face because not only did Selene Finance fail to respond to my many requests for a loan modication, they made every effort to expedite the foreclosure ... they now send a response with an enclosure acknowledging a address change XXXX/XXXX/XXXX ... so they made the effort to note that I was not at the property address ; which clearly should have nullified any effort to contact me. Explain to me how one lien was excessive. there should have been only one lien on the property from the hoa ... all other liens belonged to XXXX XXXX who was no longer on the deed at the time the property foreclosed. He was removed from the deed 3 years prior to the foreclosure. Selene Finance knew that XXXX XXXX was no longer associated with property ... so
Consumer complaint received 2017-10-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have had a Bank of America checkings account for 10+ years, which I had all but forgotten about. A vendor linked to auto pay on the account tried to collect funds, when my account became overdrawn. At the time, I was out of the country when the account became overdrawn. I did not receive any notice of the overdrawn status given I was out of the US, with limited internet connectivity. I also recently moved, so any mailed notices were being sent to my incorrect address. Once I discovered the mix up ( earlier today ), I immediately called customer service to request a one time waiver of overdraft fees. I spoke with XXXX XXXX, a manager, as well as others, who all said they will waive only one of the 5 separate {$35.00} fees. Given that I had not received any notices, paying 5 separate {$35.00} overdraft fees for one vendor payment seems excessive, especially since I didnt even ask them to pay the vendor in the first place. Attached further below is a screenshot of the dates and {$35.00} fees. Any help greatly appreciated!!
Consumer complaint received 2017-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NM)

XXXX XXXX XXXX is alleging that I have an outstanding balance of {$3800.00} to medical providers for services rendered to me in the year of XXXX. Just to give you a quick background of this company. In XXXX ( if memory serves me correctly ) I contacted XXXX to settle a debit from a medical provider that alleged to have rendered medical treatments. At the time I was trying to clear all debts that was posted to the credit bureaus to obtain a government security clearance. I went ahead and paid off the debt. After settling the debt and receiving a clearance letter, it was discovered that the medical treatment was given to my daughter. At the time of service provided, my daughter was of legal age to settle her debts. My daughter did not have medical insurance and because previous records had her as a minor the provider billed me. Recently a mortgage lender provided me and my wife with an updated credit report, I again was surprised to see XXXX posted to the credit bureaus ( actually just XXXX ) a delinquent account. I contacted XXXX and disputed this account and sent in supporting documents showing I did not receive any treatment from the creditor. XXXX wrote me back and stated they notified XXXX of the dispute. They also said XXXX had 30-45 days to prove I am the account holder. Yesterday, I received a letter from XXXX stating they had confirmed the outstanding balance and listed 3 creditors ( see attached letter ). I wrote a responding letter to XXXX and again provided more detailed supporting documents to prove my claim. I am at my wits end with this company. They refuse to delete the accounts from my credit report. Is there anything more I can do? I have worked very hard to clear off every debit Ive owed. But I will not be bullied into paying this company another penny! Im very meticulous when it comes to my paperwork. Thanks for your help.
Consumer complaint received 2017-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

We have been trying to do a Loan Modification with Ditech for over 20 months. During this process they would keep asking us for more and more of the same information we had provided already. We would call every couple weeks to get updates and all we were told is that we would get something in the mail. Then all we would get in the mail is that they need updated bank statements, XXXX, and profit and loss statements. we had already provided this before but then since it would take long for them to get back to us they would request it again. Finally when they did answer us it was with a Denial that we could n't modify so now we are in Foreclosure. In the mean time we did receive a letter attached that if we need help to call Ditech so they can assist us.
Consumer complaint received 2017-10-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (MN)

I had to go on long term XXXX XXXX XXXX, XXXX. I called Sallie Mae asking for different payment arrangements fur to me not working. Sallie Mae would not work with me or offer me any type of forbearance in which I did n't have to pay a fee. They call me relentlessly and my family and I have reached out to Sallie Mae calling them back and they offer no options for someone like me on lomg term XXXX. The last person I talked to threatened my account would eventually be taken to court for XXXX. I asked him why XXXX was willing to work with me ( another private loan I have XXXX and why they wo n't. He said there are no other options available for me and he will keep my account in collections. So I asked if he was going to quit calling my extended family and myself relentlessly since he does n't have any options for me and he said no. They call my extended family and myself at least XXXX times a day and when I answer they do n't help me. The fourth time I called Sallie Mae the lady I talked to asked if I had a friend that could pay my past due amount of XXXX. This company has been harassing me when I have told them I can not afford payments at this time and they offer no resolution when they do harass me. Before my XXXX I made each Sallie Mae payment on time.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, y
et they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

This is in regard to XXXX account # XXXX. This account was paid off in full in XXXX therefore this account should have been permanently deleted from my credit file instead of remaining on my credit file until XXXX of XXXX. Future creditors will look at this information and wonder why this account is on my file.
Consumer complaint received 2018-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

Mailed Check to XXXX paid for USPS tracking XX/XX/18 Payment mail to correct address. They received payment XX/XX/18 Checked my XXXX Visa on XX/XX/18 no payment! 
Called got a big run around. Checked every other day online & phone calls. Nothing Workers not helpful. 
Call my escrow company they email me a copy of the check-also the check did clear!! 
Email them copies of cleared check front & back on XX/XX/18 ( copy enclosed ) Please review letter dated XX/XX/18 Gave them information needed front the start. 
Now this letter is stating that finish the investigation!! 
What did they investigate? 
You will see from the start I gave them copies of front & back of check. 
Also the escrow have record. 
What up.
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I have sent several disputes to the collection agency and to the credit bureau regarding an account IC Systems is reporting on my credit reports. I have asked them to send a copy of a signed agreement and account history as proof that the account belongs to me. They have responded with a settlement letter and a payment invoice created by their company. They continue to report the debt without legal validation of the debt in violation of the Federal Debt Collections Practices Act and the Fair Credit Reporting Act which requires that all information reported be accurate, complete and verifiable.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JH Portfolio Debt Equities, LLC (NY)

JH PORTFOLIO DEBT EQUITIES , LLC et al. are continuing to report unverified, inaccurate, invalid, derogatory, and defamatory information about me. As a result, XXXX XXXX XXXX XXXX, dba, Chief Executive Officer, for JH PORTFOLIO DEBT EQUITIES , LLC, received three NOTICES OF DISPUTE AND DEMAND FOR VALIDATION and have ignored and/or otherwise have not provided validation or answer. XXXX XXXX XXXX XXXX, dba, Chief Executive Officer, and JH PORTFOLIO DEBT EQUITIES , LLC have not provided a consumer contract bearing my signature, nor has the collection agency answered any of demands in my disputes letters.