davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (VA)

In XX/XX/XXXX, I received a call from this company. I advised them that the alleged debt they claim I owe is not a debt that I recognize. I pulled my credit and submitted a dispute through the credit bureau. At that time, I also mailed a written dispute and a request for validation to this company - Ad Astra Recovery Service. I gave them 30 days to respond and advised per the FCRA they are required to provide this to me or they must stop reporting and cease collection efforts. I never received a response in writing. They only responded to the credit bureau as " verified as reported ''. How can a company claim its verified if they can not even send the consumer proof of the alleged debt? I just pulled my credit again in XX/XX/XXXX and noticed the tradeline is still on there. I followed up with them again and they claim they never received my letter back in XX/XX/XXXX This is very unfair to me. I did everything I was supposed to do per the law and they are not complying or following the law. This is an unethical business practice. This is not my debt. I am have repeatedly disputed this with them. They are not following the FCRA guidelines. If they are doing this to me, how many other consumers are being affected by this company? They should be investigated.
Consumer complaint received 2018-07-03
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: Fidelity National Information Services, Inc. (FNIS) (AZ)

Attached to this complaint is a copy of a police report. I am a victim of identity theft. The following account listed on my Chex Systems Consumer ID Report : XXXX is fraudulent and unauthorized savings/checking account : XXXX XXXX XXXXXXXX Missouri, XXXX XXXX, XXXX XXXX, MO XXXX, RTN : XXXX, Account Ending In : XXXX. I faxed a copy of a police report to Chex Systems on XX/XX/2018 in regards to the fraudulent and unauthorized savings/checking account.
Consumer complaint received 2019-05-14
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: CITIBANK, N.A. (TX)

I was charged at a XXXX card XXXX dollars from an ATM on my credit card, i filed it as fraudulent as i did not approve this transaction. I had my card taken during the night and returned later, when i checked my statement and saw the charged I called the dept and reported it. After the did there due diligence i got a call later saying my dispute was denied as they had video proof and picture evidence it was me. I asked for it saying no chance and they said they would send it to me. over a month later I still did not get this " evidence '' so when i called they ended up sending it to me and when I received it, while my card and ID were in the PDF sent to me were mine, the signature was not mine ( could go through prior transactions and prove that quite easily ) and the photo evidence they had that it was me the man in the picture was clearly not me. anyone with a set of eyes can look at the photo and see there is no resemblance of the man in the picture and my self. The cc fraud department said they couldnt make out of the picture if it were me or not and they arent signature experts so they couldnt figure that out either. I have told there are no other options left so now I am here. the photos are encrypted so we will have to reachout to them ( Citi bank mastercard for XXXX XXXX to have them send the pictures )
Consumer complaint received 2019-05-14
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. (CO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I would like to dispute off the following items on my credi report. 

Equifax : XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2018-07-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

I was XXXX XXXX and had to be given hospital an XXXX by insistence of police officers who cuffed me in my own house because they thought I was drunk. Now a false crediting agency, Wakefield & Associates is requesting a payment of XXXX and I am unemployed as well as case is still undecided. I will not pay this
Consumer complaint received 2019-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (FL)

My Debit Cards was Stolen and Numerous Fraudulently activities Took Place in my Account. My Funds were Stolen. I Made a Police Report and the Person While has my Information is On XXXX ( Social Media ) Showing Off my Information and the Information Of Others. All of this was sent the bank and theyre denying my claim saying that I had to Enjoy some of those benefits because the individuals who scammed me called from my number as they made certain request. 

Ive had my account since 2011 and Have never this type of issue. Not only is BB & T refusing to give me my {$2400.00} + but theyre claiming that I took {$9900.00} from them. 
It appears that theyre refusing to properly investigate and simply want to punish the victim despite what Ive already experience.
Consumer complaint received 2019-05-28
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. (NY)

I was recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and thats was unusual. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this on my own behalf and I need this taking care of as soon as possible. I've reported to the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX.
Consumer complaint received 2019-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (KS)

I looked on my account in the end on XX/XX/XXXX when I got a email stating my score changed. I went on and found Transworld Systems ( TSI ) had put a supposed debt collection on my XXXX report. It stated the account was opened in XX/XX/XXXX although it didn't show on my report until XX/XX/XXXX. It shows it is some kind of medical debt although I have insurance and haven't been without insurance since I was a child. I also did not visit the doctor in XXXX other than an urgent care. The debt total is {$1000.00}. I find this interesting because some time ago my husband had a medical bill go into collection with them totaling {$1000.00}. Which was open on false pretenses. The bill was paid through charity care and should never have gone into collection in the first place. We also got some kind of letter from TSI. It was unclear what the name was as it had a XXXX and our last name, but didn't make up a full name. We just assumed they were trying again to get my husband to pay so we sent a letter with his info on XX/XX/XXXX through certified mail. The certified postcard was signed and sent on XX/XX/XXXX. We didn't even consider me as I hadn't been to the doctor and the debt total was the same as what they tried to collect from my husband. After it showed up on my report I sent a letter also on XX/XX/XXXX through certified mail also. The certified postcard was signed and sent on XX/XX/XXXX. The only thing I can come up with is TSI is trying to get their money they paid to purchase the debt, which we do not owe them and never did. We thought this was resolved after it was removed off my husbands report. But it shows now on mine. We contacted them and asked them to remove the debt but they have not sent anything back in response. It has now been 2 months and it is still on my report! I am also curious how did they get my information?! Please help us!
Consumer complaint received 2019-06-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (LA)

1)DitechFinancialapparentlysoldmymortgagetosomeentitycalledXXXX2)IwastoldbytelephonethatthetransferwaseffectiveXXXXXX/XX/2019.
3)AsofXXXXXX/XX/2019--aweekbeforethistransfer--therehadbeenNOCOMMUNICATIONOFANYKINDfromeithercompanyaboutthesaleofthemortgage.
4)IreceivedanunaddressedemailindicatingthatacompanycalledXXXXhadtakenapaymentof{$1300.00}.
5)NopaperoremailcommunicationwassenteitherbyDiTechFinancialormyXXXX.
6)SomeatXXXXinformsmethattheloanisactuallyheldbysomethingcalledXXXX.
7)XXXXsaysthattheinformationregardingthistransferoftheloanwasmailedasapapercopyonXXXXXXXX--AFTERthetransferwaseffected.
8)OtherphonerepresentativesatXXXXfranklyseemedtoguessingaboutthewholeprocessofhowtheloanwastransferred.TheyallseemedonlythinlyinformedastowhattheirresponsibilitiesorthoseofDiTechFinancialmightbe.
9)DitechFinancialmeanwhilehasessentiallyasoftodayblockedusasformerclientsfromanycontactwiththem.Accesstomy"former''onlineaccountseemstohavebeencutoff.Phonecallstothecompany--becausetheycantracetheirorigintoourphonenumbers--aretransferredtoXXXX10)Thiscomplaintidentifiesallthreecompaniesasbeingatfaultintheloantransferprocess:DitechFinancial,XXXX,XXXX11)Iamawarethatallofthemmaybesubsidiariesofothercompanies(orfraudulentshellsforsomething).
12)Asanadditionalnote:MyLoanCarehasjustinformedmethattheironlineaccessisunavailableoutsidetheUnitedStates.Iamnotevensurethatiscorrect;butthatalsoseemsunusualandimpracticalinthe21stcentury.

Itshouldnotbelegaltotransferamortgagewithoutnotice.Norshoulditbelegaltofailtoprovidebasicinformationaboutthattransferuponrequest.Norshoulditbelegalforafinancialentitythatheldamortgagetoinstantlycutoffcontactorcommunicationwithacustomerupontransferoftheloan.Surelytheyshouldbeobligatedtonotifycustomersatleast60dayspriortotransfer;andtoallowcustomeraccesstoonlinerecordsandphoneassistanceatleast30daysafter.
Consumer complaint received 2019-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (DC)

XX/XX/19 I transferred {$30.00} to a vendor to make a purchase. The vendor did not provide the item as discussed and blocked all communication. I reached out to XXXX to cancel, reverse and refund my transaction. I explain that the vendor was committing fraud via their platform.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX I file a complaint against Bank of America for unblocking my access to my credit via using my Bank of America issued credit card. This was done after I spent over 2 hours on the phone with Bank of America 's customer service department on on XXXX XXXX XXXX I received an email from Bank of America informing me they will reducing my credit limit from {$5500.00} to {$3700.00}. This is an act of retaliation for me filing a complaint with the CFPB against them and a violation of my consumer rights pursuant to the Equal Credit Opportunity Act ( ECOA ). They have already violated my consumer rights under the Truth in Lending Act ( TILA ), now they are violating me under another federal law. I'm asking the CFPB to alert the proper authorities of the crimes Bank of America has committed against me. Under both TILA and ECOA, violations carry civil and criminal liabilities. They have already caused me hardship by blocking my access to me credit, now they are attempting to further diminish my ability to engage in commerce by reducing my access to my credit. 

I haven't checked my consumer report yet. However, if Bank of America has reported a late payment on my consumer report, this will be the 3rd federal law they have violated my consumer rights under. I did not make a late payment. I paid the bill on time. They are alleging I failed to make the minimum payment, which I fervently disagree. 

The CFPB was establish to prevent and stop these kinds of abuses creditors inflict on consumers. Please put an end to these abuses I'm experiencing at the hands of Bank of America. Thank you.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (IL)

Afni, Inc reported un-verified and Inaccurate information to my credit profile which is in violation of FDCPA, FCRA and Consumer Laws for the account XXXX {$320.00} which they are not authorized to do since no Contract between Afni, Inc and myself exists, they are also in Violation of Copyright Laws attached to this name.
Consumer complaint received 2018-07-04
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: Ditech Financial LLC (CA)

On my correspondence to the credit bureaus last XX/XX/XXXX, I disputed how this account is still reporting despite the following : - Collecting and pursuing collection on an account that is way passed the statute of limitation. - Collecting and reporting an account that has been sold several times to different companies. ; - Collecting debt on an account that they dont have lien which I believed made this invalid.- Collecting debt on an account that they dont have lien which I believed made this invalid. ; - From the original Lender to the succeeding companies who acquired and transferred/sold the account I NEVER receive any notification that there has been any sale or transfer from one company/lender to another. I never received anything back from this company nor from any of the credit bureaus. I only received a response from XXXX that the item has been removed but, this invalid item is still reporting to XXXX and XXXX. DITECH ref # XXXX.
Consumer complaint received 2015-06-29
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Financial Credit Service, Inc. (TX)

I did n't receive a loan from these people who have now escalated this to a litigation firm ARA. This company has " process '' servers calling me up to XXXX times a day stating I better contact this number to ARA otherwise they will press criminal charges against me for fraudulent checks!
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (AZ)

Last year our mortgage was sold to Midland Mortgage ( not our choice ). At some point we asked them about their assistance program to see if we could lower our monthly payments. They recommended we do a 3 month trial period where we pay a smaller mortgage ( was literally only {$200.00} less a month than we normally paid ) and at the end of this trial they would send us new terms to look over. Well NEVER did they mention to us that A ) this would be a HUD loan they would be trying to get us to do and B ) that this would affect our credit score. Obviously once this " trial period '' was over, we declined the new terms and said we were not comfortable doing a HUD loan. At this point we just had to pay the {$600.00} total that we were not paying during the 3 month trial to make the trial period over and we would go back to our normal terms. They ended up reporting to the credit bureau that during those 3 months we were delinquent. I have statements showing they requested a {$200.00} less a month payment and we paid what they requested. NEVER did they tell us ( not even AFTER we told them we did not want to proceed with the new terms after the trial period ) that this would affect our credit. I have called the company MULTIPLE times and talking to their customer service is HORRIBLE. They are rude, know nothing, and do not offer to help at all. Apparently there are no bosses or managers at their company when you ask to speak to someone above the customer service rep. I will at this point be fighting it on my actual credit score. We have had 5 different mortgage companies in the last 3 years due to our mortgage getting sold. Midland Mortgage is by far the worst company. I have never gone online and written a bad review about a company before until now. I would never give this company a dime of your money. They will take advantage of you.
Consumer complaint received 2019-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marcadis Singer PA (FL)

XXXX XXXX, XXXX ( a bill collector ), Marcadis Singer Law Firm, XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, has served me with an order for Deposition and Order to Show Cause because he would like for me to show all of my assets and/or income for the 36 months preceding the service of the notice. The notice is dated XX/XX/XXXX. The records being requested are as follows : bank statements and cancelled checks, all of my savings account deposit books, copies of my state tax returns, books of records and all memoranda reflecting my assets and/or income. Deeds to realty, bills of sale for personalty, and title certificates to motor vehicles. The Plaintiff listed on the order is : XXXX XXXX XXXX XXXX, XXXX, as assignee of XXXX. I have informed this bill collector repeatedly that I need legal representation and can not afford it. I did not hear from them for 8 years, I thought it was all over and I started receiving the letters again. I appeared in court about 10 years for this same matter. Is there a statute of limitations on this? I don't understand how they can continue to try to get money from me for a very old bill that is no longer on my credit report. I am a lay person without money to hire an attorney. I feel intimidated that a bill collector is asking me to provide this information. I need help in the matter. I don't know what my rights are or what to do. Please help me. I'm scheduled for a court appearance on XX/XX/XXXX, if I do not go to the deposition and provide the information requested. I would appreciate any help that you can give me in this matter. Thank you. XXXX XXXX, XXXX XXXX XXXX, XXXX . XXXX, XXXX, FL XXXX
Consumer complaint received 2019-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

Mortgage servicer did not pay full homeowner 's insurance amount and policy was canceled due to non-payment. Servicer claimed they did not have access to the premium amount, but they were added on to the insurance by insurer and sent a revised statement/bill. Upon discovering my lapse in insurance ( 8 months later in a letter from servicer asking for insurance proof ) I started a new policy - I assumed since I heard nothing further that they were able to make the payment. After that, the servicer requested I purchase insurance from the cancellation date to the day prior to the new policy ; I am unable to purchase such insurance as no one will sell backdated & expired insurance, therefore the servicer is going to charge me roughly {$700.00} for 8 months of expired insurance, when my annual policy amount is roughly {$730.00}.
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (MD)

A company called XXXX XXXX has a negative report on my credit report, and this is from an identity theft that happened to me last year. I filed a police report, and everything was removed from my credit report except this company will not remove this. I have never worked with this company before, and they have not sent me any paperwork showing that this debt belongs to me. I had someone open accounts using my name and information and this is from that.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (WA)

Hello, My accounts with Fedloan servicing were under forbearance and deferement and yet they refuse to update my credit reporting to reflect this. Going against both Sec. 463 ( C ) ( 4 ) ( A ) of the HEA and section 623 A ) ( 2 of the FCRA. This is literally ruining my life. It accounts for 95 % of my negative credit reporting and again.. these accounts were under approved forbearance and I had no reason to make payments.

FTC advisory opinion related to this can be found at. 
https : //www.ftc.govXXXX
Consumer complaint received 2018-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc. (IL)

I took out a XXXX XXXX loan in XX/XX/XXXX and have already paid more than the balance of the loan. I have come to some financial hardship due to high medical bills for our son. I called XX/XX/XXXX and asked for a repayment plan and told them that with my work contract I would be going with a three week period of no paycheck and they said they can't change the payment schedule and will need to pull the money out anyway knowing I won't be getting a paycheck. This will cause overdraft fees on my account.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

There is a collection showing on my credit from Rent Recovery Solutions LLC. 
The address listed on each report is XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. I disputed this directly with the bureaus before on account of having never received proof / verifiable information as to why the debt as owed in the first place. 

I have attempted to contact this collector several times in writing to no avail. At first I thought they were refusing delivery because my letters were not certified, but upon sending a certified letter and having that returned as well, I realized the collector just isn't reporting accurate information to my reports, in direct violation of the FCRA. 

I want the account removed from my reports since it's proven unduly burdensome to contact the collector.