davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

Macy 's  DSNB /Citibank refu ses to honor a settlement they made via their collection agency,  XXXX   XXXX .   XXXX   XXXX   accepted a settlement of {$580.00} as full and final settlement on behalf of their client,  Macy 's  DSNB /Citibank  on   XXXX   XXXX   XXXX    . To this da te Macy 's ref uses to write off the difference thereby directly disregarding the settlement that was made. On multiple occasions I have contacted  Macy 's   DSNB /Citibank in which cases the rep had to m ake 3-way call s with me to   XXXX   XXXX   to confirm the account has been settled. On  XXXX  I placed a call to  Macy's/Citibank R ecovery at  XXXX  and I spoke to a rep who made  a 3-way call  with   XXXX   XXXX  . The result of this call was that   XXXX   XXXX   needed to forward documents t o Macy 's  of the settlement. I was advised to wait  1 week for  an update. This call took  49minutes  of my time. On   XXXX   I placed a call again to  Macy's/Citibank rec overy an d again  spoke to a rep who had to  3-way call to    XXXX   XXXX   because   XXXX   XXXX   had not gotten around to sendin g Macy 's DSNB/Citibank the information. I   faxed a copy of the account settled and paid letter to  Macy 's and t he rep concluded that this should be resolved by the next week. This call took 31minutes of my time. On  XXXX  I call once again and now  Macy 's DSNB/Citibank ha s no idea what I am talking about and that it is my responsibility to send them the settlement offer and letter to show that I settled the account. I advised that multiple times I had sent in the letters and multiple times I had called in to check on the status. The supervisor apparently could not be bothered to come to the phone and the rep rudely advised that they are not going to do anything until I waste more of my time getting more documents that they need from  XXXX   XXXX . I am sorry but  Macy 's DS NB/Citibank if you hire a collection agency to collect a debt for you then you need to be in control of what they are doing, you are responsible for the updating of your records and the accurate reporting of my credit file. As such they have violated multiple consumer protection laws including the FDCPA ( attempting to collect a d ebt that has been settled ), the FCRA (  reporting me late after the account has been settled ) and just overall terrible customer service.
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

Ditech is showing our mortgage as 58 days late as of  XXXX  17  when they have stored unapplied amount of {$3000.00} we paid and not applied it to the mortgage. This is completely unfair. Furthermore, they are reporting it to all  XXXX  credit bureaus. I have contacted  Ditech  when the unapplied amount was approximately {$980.00} by email on  XXXX 17 and have not received a correction, just an acknowledgement of the email. Now, the unapplied amount has grown because we have been paying the mortgage, but Ditech has not applied it to the mortgage which makes us late. This is fraud.
Consumer complaint received 2017-04-28
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. (LA)

Equifax is incorrectly reporting that I have been delinquent on my Child Support account. This is not true. The account number is : "  XXXX  '' I can provide a payment summary directly from the Louisiana Department  of Children and Family Services which pro ves my payments have always been received on time and I have never been past due. I do not understand why Equifax is reporting incorrect payment history for my account. This does not make sense. Equifax is also incorrectly reporting a balance of {$660.00} on my Child Support account. It should be reporting at {$0.00} because this account has been paid. I have disputed this issue with Equifax numerous times only to receive generic responses that do not address my concerns.
Consumer complaint received 2017-04-28
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. (OR)

Equifax has added a 90 days  Fraud Alert i n my credit report stating that was requested by consumer.   I HAVE NOT REQUESTED A FRAUD ALERT TO BE ADDED ON MY REPORT.     Please  REMOVE Fraud Alert i mmediately.
Consumer complaint received 2024-09-13
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. (FL)

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 XXXX XXXX XXXX XXXX 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2017-04-28
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: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

I pulled my credit report and found inquires that i did not authorize on my credit report iv contacted these companies listed below by phone, email and mail and know has reached out to me or further more no one has even sent an updated report advising me they would be removing these unauthorized inquiries.   Paramount Residential Mortgage Group   XXXX   XXXX    XX/XX/2017      XXXX     XXXX   XXXX   XXXX     XXXX   XXXX
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RS Clark and Associates, Inc. (TX)

On  XXXX   XXXX  I received a call on my cell phone and spoke with someone from the company o f RS Clark and Associates. I told th e lady that I am not familiar with their company and have no knowledge of why she would be call. I advised that they do not have consent to contact me in the future and to cease any phone calls. On  XXXX   XXXX  I received yet another phone call from said company with a voice mail being left. This is a direct violation of my rights under the CFPB guidelines and also the FDCPA.
Consumer complaint received 2017-04-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I  XXXX   XXXX   XXXX  submitted a form to refinance my mortgage to reproduce my current loan of debt, into a more prosperous loan that better fits my needs. I have applied through  ( 3 ) three  different entities to handle this proposition with intent of full care. I submitted all information that was needed to " Refinance " the mortgage loan within  ( 30-90 )  days of the agreement. I had to make many of phone calls to follow up on the application to help further assist the loan agent. Every time I called, the agent announced, " they were processing the loan '' or they kept repeatedly losing all of my credentials or information such as : "  XXXX  's,  XXXX . 's, social security, credit reports and drivers license. These allegations went on a period ; extending, into a year and a half of "  XXXX  for Tat '' conversations and I was consistently told to resubmit all information at least  ( 5 )  tomes because, it was being lost in a shuffle. This actually ; means, that my applications were being singled out on purpose to force a " Foreclosure '' upon my resident at  XXXX   XXXX   XXXX  /  XXXX , Tx  XXXX . I consistently stayed in compliance with all loan agents and submitted, supplied, and followed all procedures at the time of the "  Refinance  ''. Bank of America sent out a refinance packet that allowed me o qualify and make the first (  3 ) three  payments ; in-which, I set up with "   XXXX   XXXX   XXXX   " accounts to transfer the payments safely to " Bank of America '' to stop the foreclosure. At the time the "  President  '' of the United States mandated that, all lending companies negotiate these loans from negative to a prosperity loan so, the government would not go broke and citizens would not have to vacate the premises. These banks have misled me with the wrong information and caused unnecessary fraudulent loans to transpire under the "  Penal Code Act  '' of the "  Federal Housing Authority '' . I 'm asking for retribution in the amount of total cost of my home ; plus, pain and suffering of all expensives, please. I have been sleeping out on the streets for the duration of being inconvenienced and had to file " Chapter (  XXXX  &  XXXX  ) Acts. I also had to implement a {$10000.00} payments to try to save my home. Please contact me at (  XXXX   )   XXXX  or mail to  XXXX   XXXX  /  XXXX , Tx  XXXX
Consumer complaint received 2017-04-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp. (SC)

This company continuously emails me telling me they are trying to collect a debt but I have n't received anything from the original company and the balance on my credit report states  XXXX  balance from the card company. I have attached the emails that I feel threatened by as well as they are going by 2 different company names. they are stating in email they are  True Accord b ut then comes and say they are  XXXX . I do n't have any contract with this company and they need to provide me with validation that I have an account with them.
Consumer complaint received 2017-04-28
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. (NC)

I pulled my   XXXX   And  XXXX  credit report in  XXXX   XXXX  and noticed   XXXX   XXXX   and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with   XXXX   stating this is not my account and with  XXXX  3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called  XXXX  credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at   XXXX   today she states she cant remove it because   XXXX   is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with   XXXX   as well that this is not my account. This last dispute on  XXXX   XXXX , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They (  XXXX  or  XXXX  ) will not provide proof and I have did all I can do.     I also advised   XXXX   the following Inquiries are fraudulent /not authorized by me :  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  I advised   XXXX   the following iquirie s are fraudulent/not auth orized by me :   XXXX   XXXX   XXXX   XXXX   XXXX  via  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  I need this to be corrected and removed from my credit reports.
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blakely-Witt and Associates, Inc. (TX)

ON  XXXX   XXXX ,  2017 . A collection was placed on my   XXXX   credit report b y Blake Witt and Associated for the amount of {$1800.00}. I was never notified that 's it was in collections nor so I even know the collector. By law I am supposed to be not ified that 's something will enter my credit report. I was not. I attempted to call and have written a  Debt Validation to t he collector. This has caused a hardship with my finances and credit as I am in the process of buying a home. Please remove the collection immediately.
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On   XXXX     I made a purches for the amount of {$100.00} to  XXXX . My online account balance reflected that same amount being charged and withdrawn from my account that day as well as the balance after the charge. On   XXXX   my account balance shows {$140.00}, I was charged {$100.00} again by the bank on  X/XX/17    for the purches I made on   XXXX   with no reflection on my account statement of the transaction being made on that   XXXX    . I have the reciept from  XXXX  that shows the transaction did go through on  X/XX/17    but the bank has no record of it being made or has lost the record of the purches on that date. I called the bank and they said there was no purches made on the reciept date and, my account is now overdrawn because of this error.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (IN)

I bought a car  from Honda Financial Corp and obtai ned a car loan, last year I struggled to keep up with the payments and the car got repossessed in  XXXX    XXXX  . Some time in  XXXX  a received a statement fr om Honda Financial stating that they sold the vehicle and I owed them {$440.00} plus cents. Som etime in  XXXX  I received a collection letter from a third party collection agency stating that I owed  Honda Financial {$20000.00} and some cents, so I immediately contacted Honda and the y said they made a mistake and they sent me an incorrect statement and that I owe them the {$20000.00}
Consumer complaint received 2017-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

A debt collector is demanding payment of a 2011 weed abatement lien for the City of  XXXX FL. I told them in writing I sold the property over a year ago subject to all the liens so the debt is no longer mine. They verified with the city that the debt WAS mine when it was incurred. 
I called the city tax collector office and the gentleman wanted to know whose authority were these debt collectors going under? 
I 'm sure they bought my account cheap from a previous collector who appropriately ceased contacting me years ago.
Consumer complaint received 2017-04-28
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. (FL)

I called Equifax couple times to dispute and remove fraud inquiries from my credit report and they always tell me they can not do that i need to call the companies. i send letters out to the companies with no response there are no phone number listed on my credit report where i can call them like equifax told me too. i did not do those inquiries why do i have to call what i dont even have the numbers for because it is fraud and they refuse to remove them from my report. here is a list from the inquiries what is fraud.  XXXX ,  XXXX ,   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   ,    XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX ,   XXXX ,   XXXX , there ar e 15 fraud inqu iries and they refuse to remove them what is a violation of the fair credit peporting act se ction 1681b ( c ) and  a serious breach of my privacy rights. I formally request that these fraudulent inquiries be immediately deleted from my credit file that they maintain under my social security number.
Consumer complaint received 2017-04-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (MA)

Tried to open  a CD acc ount at Discover Bank. Just want to transfer money from a Discover B ank Savings a cct. Spent time on line filling out application. At the end of the application process, was notified to call a service representative to fin alize the opening of the account. Called the representative and was on the phone for 15+ minutes with 10 minutes hold while they investigagted. Meanwhile I received an email stating the application was not accepted. I brought this to the attention of the respresentive who put me on hold for another 4 minutes and then came back and said I have to start the process all over again. When I ask ed why, there was no reason. I fillled out all the paperwork to the best of my ability. It was a mere transfer of funding from an internal account. I called to complain and find out why. No one could answer. My time is valuable, too.
Consumer complaint received 2017-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (PA)

The original amount of the bills was {$71.00} with   XXXX   XXXX   XXXX   ( Medical ), however the collection agency Receivables manager company is   changing more that was is owed, the original amount of {$71.00} has been paid, however the debt collector is reporting a balance owed of {$99.00} See Collection Agency Information on   XXXX   Report
Consumer complaint received 2017-04-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

Caliber Home  Loans will not pay our property taxes. They were due  XXXX   XXXX , the taxes were n't paid. Then we got another bill for another due date of  XXXX   XXXX  with a fee tacked on. They still wont pay it. I have called and emailed. Nothing. The said they will send the money in  10  business days, but they did n't. Then they said they will send it in 5 business days.  Caliber Home Loans i s a joke. I would n't get a loan through them. As soon as we have money to refinance and get away from the company, we will.
Consumer complaint received 2022-09-03
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)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
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. (MO)

I have been disputing erroneous Information on my credit report since XX/XX/2022. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus 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. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX Balance Owed : {$24.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-09-03
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. (GA)

I have been having issues with this and the improper reporting of this account. This has caused a great amount of hardship on me because I have been ignored and if they would just do the investigation they would realize this to be the case. 
In accordance with the Fair Credit Reporting Act everything must be accurate and under 15 US Code 1681 this account is in violation because its not being reported accurately. 

I even have sent multiple verification requests to the company and have not received the items I asked for. 

I as the consumer would like to know all the steps the agency took to insure these items were 100 % accurate along with the method of verification. Thanks