davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (LA)

I would like to submit a complaint against ( Diversified Consultants ) regarding unknown cable account ( s ) XXXX for {$260.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Diversified Consultants ) provided me with any type of notice regarding the account ( s ). ( Diversified Consultants ) never mailed me any letters or communicated with me in any manner  regarding this alleged account ( s ). I mailed ( Diversified Consultants ) a certified, registered and tracked letter via the United Stated Postal Services on XX/XX/2018 requesting validation of the account ( s ) ( Diversified Consultants ) are reporting on my credit report ( s ). ( Diversified Consultants ) has not responded to my letter requesting debt validation with proper debt validation per the FCRA and FDCPA but continue to report the unvalidated/unverified account ( s ) to my credit reports. Therefore, I contacted the original creditor ( s ) XXXX XXXX XXXX listed on my credit report ( s ) that ( Diversified Consultants ) claimed to be collecting for. XXXX XXXX XXXX, the original creditor ( s ) stated I did not have any outstanding account ( s ) /debt ( s ) for  {$260.00} with their company ( XXXX XXXX XXXX XXXX and nor did they ( XXXX XXXX XXXX ) assign any account ( s ) in my name to ( Diversified Consultants ). These erroneous entries being reported by ( Diversified Consultants ) are detrimental to my overall credit rating and have caused me injury, both financially and emotionally.
Consumer complaint received 2019-04-07
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: BARCLAYS BANK DELAWARE (NY)

XXXX  must have been hacked again. XXXX XXXX is a company that seems to not exist, yet has found a way to be on my credit report. I have called the number to try to get information about the account, but the number is disconnected. Which I figured because phone numbers in XXXX, NY do not have a XXXX area code. Furthermore, the zip code does not make any sense for it to be an address in XXXX, NY. Lastly, the account says that is XXXX years old, which just by time alone, it should not be on my credit report and it says that there were payments made recently on my behalf. I would LOVE to know who made the payments and from what account were the payments made. If this is a government agency, why haven't they contacted me yet? 

Also, a Barclay 's account had appeared but that account was closed and removed years ago. Interestingly enough, it says that I have a {$1300.00} credit limit, but I do not actually have an account with that company. 

Lastly, XXXX still has accounts on my credit reports ( all three reporting agencies ) that should be removed immediately due to their fraudulent mortgage practices as discussed in CFPB file number XXXX. 

Thank you for your help.
Consumer complaint received 2018-05-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (MS)

I submitted a letter dated XX/XX/XXXX certified on XX/XX/XXXX to Ad Astra collection agency requesting documentation this agency has the right to collect on a discharged debt. Ad Astra sent me a letter advising me this collection was assigned to them ; however, Ad Astra fail to provide me in writing any written agreement between Ad Astra collection agency and XXXX XXXX. The information provided was the loan agreement signed with XXXX XXXX, whom choose to charge-off this balance. I contacted Ad Astra by phone on XX/XX/XXXX, to discuss that this item should be removed if they could not give me the requested documentation ( written agreement between Ad Astra and XXXX XXXX ). Ad Astra representative stated their company can't provide that in writing only verbal. After this call and I indicated this amount is not collectible and Ad Adstra doesn't have the right by law ; Ad Astra change the reporting payment to reflect past due which cause my credit score to drop by 12 points.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (WI)

I have had many problems with this company. XXXX XXXX sends me letters stating they are lowering my account balance due to my credit score being low. But my credit score was increasing at the time of them lowering it. This time they closed my account due to inactivity because I havent used my card in two months. They stated they can not reopen nor will they reopen and that its my problem. They have very poor customer service no matter who you talk to or how far up the chain you go. I have been hung up on for asking to speak to someone higher up.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

Hello, I have paid the company 's balance in full including a late fee for which they did not give me access to my account or review of the transactions on said account. The company will not provide me with account statements of the charges they are stating that have incurred on my account.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ID)

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account shows a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. Also, Equifax and XXXX  are not investigating this negative account reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of this account and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows this account as not in dispute, when this account is in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review this account however, I have not been successful.
Consumer complaint received 2019-04-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Turner Acceptance Corp. (IL)

I was a joint account holder on this account.. The account was settled in court and paid by the cosigner. The company is still reporting the full balance on my credit report when this was settled in court and paid in Full. Please remove this from my credit report.
Consumer complaint received 2018-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (OH)

XXXX  accepted an application from a thief and I sent them my police report that I never had this loan.someone got in my bank account stole money and un knowingly XXXX took money out of my bank account I asked them to send me back the money they stole instead they say it isn't fraud.the application doesn't have my email and contains incorrect facts like I'm on XXXX which I am not .this is wrong my identity was stolen.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I have a XXXX XXXX XXXX account that was closed and now it has been reported on my credit report twice. 

My son XXXX XXXX XXXX, was born on XX/XX/XXXX, He works for the XXXX   XXXX and is XXXX  years of age. This account was closed out in XX/XX/XXXX when my son turned XXXX years of age. My credit reports ( all 3 bureaus ) reflected the following data on the file. There was a previous account that was closed and transferred, and stated closed, current in good standing and no late payments. The new account was opened in XX/XX/XXXX ( 9 years 6 months ), monthly payment each month {$0.00}, current payment status ( XXXX   late 's ) This account was closed out when my son turned XXXX years of age and it can be viewed in past credit reports. Now I have two accounts that were previous closed reopened and re-aged ( which is illegal per ( FCRA ) and the accounts showing double reporting ( which is illegal and against the ( FCRA ) As I only have XXXX  child. The information reported on the account from original account that was closed and transferred, is now different from the original filing on my report. 

It is showing opened on XX/XX/XXXX ( 17 years and 9 months ) Monthly payment {$780.00}, last payment XX/XX/XXXX, payment status as CURRENT AND wrost payment status NO INFO. But then it shows late 's from XX/XX/XXXX through XX/XX/XXXX. My son was XXXX years old in XX/XX/XXXX and is now XXXX years old in XX/XX/XXXX. The was no child support, because he was and is a adult.. It shows that the account was closed on XX/XX/XXXX. This account was closed years before the 2nd account was open in XX/XX/XXXX. It is well past the 7 year time frame and is in violation of the FCRA, due to re-aging, double reporting, inaccurate information, in all areas of the account and must be deleted and not reported again, based on The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

This error, has caused a major hardship on me personally and financially and I would like these intentional violation of the law corrected, in a timely fashion. Equifax is the only bureau, that has allowed and been a party to this gross, violation and disrespect for the law. The other agencies have operated with honor and professionalism, in this matter.
Consumer complaint received 2018-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

I am not aware of this debt owed. I just received a notice through XXXX  an account was placed in collection. There isn't an account number listed so XXXX will not allow me to dispute the debt. How could an account just be placed from a 3rd party that does not include an account number, does not include of a full name of the agency and without any notice to me.?
Consumer complaint received 2020-08-13
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (SC)

Good day I had a second mtg with XXXX XXXX  XXXX of XXXX they transferred the mtg to Greentree servicing in XXXX of XXXX while they ( XXXX  ) were working on a loan modification for me when I was transferred to greentree. greentree told me I would have to start the modification process all over and I would need to be 90 days behind before I could apply for the modification I did that and started the process again at this time they advised me to make XXXX dollar payments every month while they were working on the modification I did this I called to check on the progress every week and wrote to them { via registered mail ) for some response I did not get any response.I talked to a different person every time I called. after many weeks of calls they informed me my mortgage was " charged off " I had no further contact with them and it appears they are no longer in business I tried contacting them as I am trying to refinance my home and they still have a second mortgage recorded on my home can you please help thank you
Consumer complaint received 2021-04-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2008 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

There are mistakes on my credit report regarding 15 USC 16c-2. I didnt authorize the hard inquiries listed, which are affecting my score. Kindly remove them. Thank you.
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (NJ)

I SENT 5 DISPUTES LETTERS TO THIS COMPANY ANBD THEY IGNORED ALL MY LETTERS. NO RESULTS / NO REMARKS / NO INVESTIGATIONS, THEY REFUSED TO INVESTIGATE AND BY LAW THEY HAVE TO INVESTIGATE. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), THIS COMPANY must complete the investigation within 30 days of receipt of this letter, and they have not. please investigate.
Consumer complaint received 2019-04-07
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. (NY)

I had disputed a remark that was on my equifax credit report in regards to my XXXX charge account. The remark was removed now upon checking my report again equifax has re-inserted the remark again and it caused my credit score to drop again. This remark does not belong on my credit report. I had cleared this issue up with XXXX department store months ago.i dont no why equifax put this remark back on my report. This is wrong information.
Consumer complaint received 2018-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I fell behind on my mortgage about 6 months ago due to separating from my wife and then my mother passing, two of the roughest moments in my life. I tried to reach out to Carrington to make up my payments but they wanted everything in full, which being on a fixed income of SSI, I could not realistically do. Then the other day I received a Notice of Trustee sale for a sale date of XX/XX/2018,  not even 10 days notice to prepare for other options or try to seek for help. I am aware that the Notice of Trustee sale should be notified within 22 days of the sale date which it was not. I am familiar with the HBOR laws and I was never provided with a point of contact throughout this foreclosure process, Carrington never offered or told me to submit documents to be reviewed for any type of assistance.
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation (KS)

I HAVE A COLLECTION WITH ACCOUNT XXXX XXXX THAT IS SITTING ON MY CREDIT, I CONTACTED THE ORIGINAL CREDITOR AND PAID THE ACCOUNT OFF SEVERAL YEARS AGO, I HAD TO BECAUSE IT'S A UTILITY. BUT THIS COLLECTION COMPANY KEEPS IT ON MY CREDIT REPORT SHOWING I OWE A BALANCE ON THE ACCOUNT. I CONTACT THEM AND THEY WANT ME TO PAY THE BALANCE, EVEN THOUGH I HAVE TOLD THEM THAT I PAID WITH THE ORIGINAL CREDITOR. THEY DON'T SEEM TO CARE, THEY ALSO HAVE NEVER SENT ME ANY PAPERWORK REGARDING THIS ACCOUNT AND THEY KEEP RESPONDING TO THE DISPUTES THAT I PUT THROUGH THE CREDIT REPORTING COMPANIES, AS THE ACCOUNT IS ACCURATE AND NOT MINE. THIS IS CAUSING ME TO NOT BE ABLE TO REFINANCE. THEY ARE STOPPING THE LOAN PROCESS OF XXXX
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (VA)

On XX/XX/2021, applied to check of interest rate to support a refinance through company. On XX/XX/2021, spoke via phone to XXXX XXXX regarding the differences between a 15 and 30 year refinance and explained I was vacillating between deciding which would be best for my situation. During this discussion, XXXX advised that I was in a really good situation in that I could chose one or the other and then later decide which was the best option, while the closing of the refinance took place. On XX/XX/2021, identified via XXXX, company offering more favorable loan terms that I requested be adjusted with my pending loan/refinance application. After speaking to XXXX XXXX, who was stepping in to assist XXXX, that XXXX, in fact, has a float down policy and that I would not be able to make the requested, favorable adjustments found on XXXX. I am of belief and suspicion that XXXX knowingly asserted the ability to float to potentially better terms or 15 vs 30 year refinance options as a way to influence my decision-making to begin the process based on what is now manifesting to be false information.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc (PA)

My kids father deposit his tax refund into my account they ask me for more information to sent his id and 1040 he sent it and they said they could release it because my name was not on his check so they sent it back to the bank that sent it to them so he received at check from his tax off a couple days letter the block my card with my weekly the The posit always go I also have money already available they told me for them to unblock it I will have to get them my id, social Security card or birth certificate, and my unemployment information I sent it and they said it will take up to two days for a reply for them to unblock it and the been calling for 5 days talk too many supervisors and my Attorney they not trying to give me any information I have to children and I have bills and rent to pay time are hard been though this Pandemic going on
Consumer complaint received 2018-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NY)

Dear Sirs/Madams of the C.F.P.B. So it's been 15, years from XXXX, this day since I've been received request for collection from all kind agencies in U.S. to collect for merchants name WAMU and now on XX/XX/2018, from the Debt collection XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX, phone XXXX and now added with this Chase Bank claiming that I owed them {$6800.00}, for what? I don't know because that I have never had any account with these banks, which caused on XXXX that I wrote 5, letters to that WAMU merchant/bank asking them to provide me with any applications or forms filed with my signature ( documents ) regarding to they allegations, but never had any answer, but still receiving these threat of seizing my property/ bank account, or going to my employer for collection, so makes that a very terrible threat, and caused me so many stresses, some times even leveled up my XXXX disease 's problem to a XXXX level, and especially for mess up my credits and prevent me getting even a job, and caused me now to be unemployed to this day. Which caused that I've filled this complaint against these merchants WAMU/Chase Bank to show any evidences that they have to me and to XXXX XXXX XXXX in supporting of their claims as fast as possible, or remove me out of their collection, please every responses to me or to XXXX XXXX XXXX and must be in writing all documents. 

Respectfully submitted XX/XX/2018 XXXX XXXX Claimant Phone XXXX XXXX XXXX
Consumer complaint received 2021-12-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-04-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

The following accounts are reporting inaccurate XXXX  days late. I was never XXXX days late on the following accounts : XXXX XXXX XXXX XXXX  days in XX/XX/XXXX XXXXXXXX XXXX XXXX  days in XXXX, XXXX, XXXX and XX/XX/XXXX 2020