davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX about XXXX I went to citibank atm # XXXX outside address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I called XXXX and police and they told me to go to bank on business hours. On the XXXX  I called their costumer service and they said they couldn't help me that I need to contact my bank card banker because I was not a citibank client. I showed up the next day to the bank in the XXXX and they told me they couldn't assist me because I was not a client and I needed to have my XXXX  or XXXX file a claim but XXXX can't because it shows money was assumed dispensed and it took it out of my XXXX. XXXX customer service says I need to go through citibank but they need to check the cameras to show i didn't receive any thing and help me file a complain it's their atm machines.
Consumer complaint received 2024-07-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Torres Credit Services, Inc. (PA)

I first became aware of this debt when I received a collection report on XXXX XXXX. I am no longer responsible for this debt and XXXX XXXX XXXX was aware many times that I could not afford to pay the original payments anymore due to unemployment, full time college courses, Covid-19, taking care of a sick parent and unforeseen circumstances such as part-time jobs only. I refuse to pay {$1400.00}. I do not reside at the address and have another electric bill I am paying through XXXX for my new household. I am also still trying to pay off college and I have now moved from the old address. Therefore I am no longer a resident of this household and do not see reasons to continue payment or any settlement. This has been on my report far too long! I tried payment arrangements before and could never bring the payment down.
Consumer complaint received 2023-12-09
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. (IN)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 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 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 2024-07-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Access Receivables of NC Inc. (VA)

I have addresses tied to my credit report that l 've never live in my life. XXXX account is from XXXX XXXX XXXX as well as Accounts receivable man ; Those accounts opened at a time when I was incarcerated. According to the FCRA inaccurate information mist be removed. Currently I am awaiting compensation from the XXXX data breach that took place during the pandemic my personal information was exposed. Also, there are accounts on my profile that has been sold to debt XXXX during my incarceration and by law I never received a debt validation letter. Also, l 've sent in multiple dispute letters and also identity fraud accusations with an open dispute with identitytheft.gov.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states u have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAINE & WEINER COMPANY, INC. (IN)

To Whom It May Concern, The following account listed on my credit report is inaccurately reported. Although I previously disputed this account and it was verified, I have not received the purchase agreement that includes the correct account number, balance, and account status.

Law 15 USC 1681 B-This law addresses the permissible use of a consumer 's credit report by third parties. There has been no authorization granted for any third party to access my credit report.

Law 18 USC 1028 A - According to the next law, aggravated identity theft has been committed. I did not give anyone permission to transfer my information from the credit company to a collection agency.

These items does not meet the FCA reporting requirements delete these accounts immediately
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc. (AL)

Diversified Adjustment Service , Inc. Is contacting me for XXXX. They have added {$180.00} in collection fees which made the bill hire. I'm not paying their collection fee. They are out of their mind. I am facing financial difficulties which is why I couldn't pay my cell phone bill anymore. They think I'm going to pay their fees and interest they are out of their mind. To make it harder for me to pay off.
Consumer complaint received 2024-07-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

Today XXXX XXXX XXXX has a {$950.00} debt on my credit report from original creditor XXXX  ... only issue, I've already gotten this disputed and removed from my credit report in XXXX ... it was under AFNI, INC. on XX/XX/XXXX it was disputed and removed from my XXXX and other credit bureaus and I have the proof... so how does XXXX XXXX systems claim I still owe this debt XXXX years later ... it was disputed under AFNI , INC in XX/XX/XXXX and then XXXX XXXX comes along and get it added to my credit report XXXX years in XXXX after I already successfully got it deleted and removed from my credit report. 

They are a scam and are doing something illegal in my opinion. the debt can't keep showing up under different names and creditors years after I get it disputed and removed. please have XXXX capital delete and remove this from my credit reports across all XXXX credit bureaus IMMEDIATELY, this is negatively affecting my ability to get a new apartment.
Consumer complaint received 2024-07-15
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: Diversified Adjustment Service, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear DIV ADJ SERV, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that DIV ADJ SERV has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for DIV ADJ SERV to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that DIV ADJ SERV immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that DIV ADJ SERV will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-07-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. ()

I am currently not in the XXXX. 

I used XXXX briefly between XXXX and XX/XX/year> ( though I'm not completely certain of the dates ) while in the XXXX for XXXX. I left the XXXX in XX/XX/year>, and my landlord helped me return the XXXX XXXX 

Before leaving, I did not have any outstanding debt on my XXXX subscription. 

I am surprised to receive a letter from my cousin in the XXXX about a debt I supposedly owe XXXX. 

XXXX Account XXXX : XXXX Reference of XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-07-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (VA)

My former cell phone provider XXXX was sent a tender of payment according to UCC 3-603/3-311 for the complete amount of the remaining balance. This debt contained a conspicuous statement with regard to what was to be expected upon redeeming the tender of payment. This tender of payment was not dishonored or even sent back as refused, but redeemed instead. After this I started to receive threatening harassing letters from XXXX prompting a FCC complaint being filed. This complaint went unanswered. After this upon looking at my consumer report I noticed a 3rd party debt collector who I have never had a contract with for service or goods who does not have permissible purpose, had appeared on my consumer report claiming I owe them a debt. Now all this was done without even giving me a chance to have debt validation. I recently had a death in my family ( my father ) and I am in a healing process as I speak, and for this 3rd party debt collector to with malice and prejudice steal my personal non- public information without permissible purpose identity theft and fraud. Further by this 3rd party debt collector doing this has caused also injury to me and family by my consumer report dropping to a very dangerous level causing me to get declined for other consumer transactions. All the information is not accurate and false on my consumer report and has been illegally used and put on my consumer report without permissible purpose and my express written consent.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP (PA)

I used a credit line with XXXXXXXX XXXX XXXX in XXXX and due to XXXX my wife could not work and we fell into hardship. Also I am a XXXX Veteran with a limited set monthly income and I am severely struggling to make due and provide for my family because of high costs today. Because of the hardship I fell behind in the payments. Now XXXX years later without any notification or attempt to collect the debt by Pressler , Felt & Warshaw , LLP. I also have never received a debt validation letter and I have requested a debt verification letter. They did not provide me an opportunity to work with them to make monthly payments to pay off the debt in full. Now on XX/XX/XXXX I am being sued for not paying the debt by this firm and I am in the process of filing a dispute and counter complaint with my local XXXX.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (OH)

On my credit report there is a collection account from the company sunrise credit service. I am not aware of this debt. This company failed to put me on notice of this debt or my rights to dispute prior to reporting this on my credit. If in fact this company says they put me on notice, I would like them to provide a copy of a certified notice making me aware of this debt and my rights to dispute with my name and signature prior to reporting this to my credit report.
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

On XXXX XXXX I mailed a certify letter to verify the debt and this is not a refusal to pay but a notice to the Fair Debt Collection practices Act 15 USC 1692 Sec 809 ( b ) that your claim is disputed validations is required. 
Mail me the documents I requested in 30 days and they refuse or ignored my request Jefferson Capital Systems Account # XXXX XXXX ) send me a copy of my original contract I signed with my wet signature on it. 
2 ) send me copies of papers I signed to pay this debt you say I owe Also other verification documents pursuant 15 USC 1692 Sec 808 ( b )
Consumer complaint received 2017-03-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a home loan with Nationstar Mortgage and they are not honoring an agreement I entered into with them on XX/XX/XXXX, which I have maintained, and they are threatening me with foreclosure. Per them, my mortgage had not been paid since XX/XX/XXXX to XX/XX/XXXX, which is not true and I have sent them copies of all of my cancelled checks, which they they processed. Each time I have contacted them via phone, I have been given the run around. First they claimed they never received the payments and then they sent me statement showing the checks. I have until XX/XX/XXXX to pay them the outstanding balance of {$8200.00}, otherwise, per the letter they sent me, they will foreclose on my home. True I was behind in XX/XX/XXXX, approx, {$28000.00}, however, prior to my bankrupcty being approved, they agreed to allow me 60 months to repay my arrears over a 60 month period at no interest and penalties in the amount of {$540.00}. per month in addition to my mortgage. a few months after I entered into this agreement, I found out from the county that my property taxes were not being paid from my impound account so I called them and they informed me that they were not paying them because I was behind in my mortgage. Subsequently, I wrote them and informed them that I had an agreement with them, and was paying my arrears over time and my mortgage payments included the impound fees, but they claimed no agreement existed and never responded to my written correspondence, but did pay the property taxes. Now they are trying to say I did not pay my mortgage since XX/XX/XXXX-XX/XX/XXXX, when they know that I in fact did, and sent them evidence supporting disputing their claim, all I get from them is untruths and the run around.
Consumer complaint received 2024-07-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Terrill Outsourcing Group (GA)

In XXXX, The doctor wrote a prescription for TENS machince for me to get through my physical therapy company. I met with the sales person from XXXX medical name XXXX. XXXX recommended that I get a XXXX machince, but he stated that it had to be approved for purchase though my insurance company. The next day I recieved a call from XXXX stating that it was approved for purchase at no cost to me. XXXX and I met at the therapy office to show me how to use my new unit. About 2 months later I started getting letters from my XXXX company along with checks for rental fees for the unit that was suppose to be a purchase. I reached out to XXXX XXXX they stated that XXXX was billing the unit as a rental not as a purchase and for me to reach out to them to get bill correctly. I talked with billing XXXX name XXXX on XXXX. XXXX apologized and stated that she would fix this immediate ; y. On XXXX I recieved another check for rental purchase. I reached back out to XXXX and XXXX see apologized and stated that she will fix this immediately. However, I recieved XXXX more checks for the unit rental. I reached back out to XXXX XXXX, I was told to mail the checks back to them and they needed the unit to be billed for purchase to be corrected. I never heard back from XXXX until XXXX stating they need checks mailed to them I explained to the individual on the phone that the checks was mailed back to the insurance company. The reason was because it was billed wrong and that Billing XXXX had told me that it was taken care of. I then recieved a threating letter giving me 30 days to mail the checks to them. I explained that this was a purchase not a rental and they needed to rebill the insurance company correctly. I reached back out to insurance company and was told to file a complaint for filing false claims with insurance company.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX  Delete this immediately
Consumer complaint received 2020-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (MD)

I recently reviewed a copy of my credit report and I realize that I am this company ( Rec MGM Sys ) is violating my rights according to the 15 USC 1692 a.b.c.d. I am tired of being harass about this account. Which is a violation because it is defaming my character. I have attached a copy of my ID.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNRISE CREDIT SERVICES, INC (KY)

In Early 2024 your Company Help me get A collection off my Credit Report that At & t place on my Report!! Once again XXXX & XXXX places a collection on my Report!!! On XX/XX/XXXX of 2024!!! I had ask for any Information or paperwork they may had for this account!!! Also I ask them for an address that was given and that state Another address I never lived at. Also I asked the in XXXX for something to be sent to me because I still have At XXXX t Now!!! But they never emailed or mailed me anything please help me!!!
Consumer complaint received 2017-03-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

The borrower is an XXXX with XXXX. He had arranged a modification of a mortgage which was excessive in valuation, and the prior bank, XXXX XXXX XXXX, refused to honor the modification agreement. Then, the current servicer, XXXX XXXX XXXX XXXX XXXX, as trustee, foreclosed on the premises and sold it to itself. On XXXX XXXX, 2016, the mortgage servicing agent Northstar ( I recall ), sent a letter that the balance of the mortgage including legal fees that was due and owing was around {$180000.00} ( it might have been $ XXXX ) as of XXXX XXXX, 2016. The Bank foreclosed on the property around XXXX in 2016 and the referee 's report relied on XXXX XXXX XXXX XXXX. 's representation that the indebtedness was around {$420000.00}. The referee reports selling it to XXXX XXXX XXXX XXXX. 
for around {$380000.00} for XXXX dollars and other consideration. After researching the land records in XXXX County, New York, I can come to no other conclusion than fraud in regard to this discrepancy. I sent a notice letter to the Bank 's current attorneys and received no response thereto. My client remains in the premises with his wife ; the Bank has filed an L & T petition to evict him in the XXXX Justice Court ( with there being improper service of the notice of petition and petition ), which date is XXXX XXXX. It 's likely that I will need to file a chapter XXXX bankruptcy with an automatic stay to preserve my client 's rights in his equity and possession of his and his wife 's residential premises. I am not certain the extent and nature of the probable fraud and of its civil nor criminal implications in its entirety, but it appears to me to be sufficient for a criminal RICO indictment. The borrower now has a social security card and green card ( although he was eligible for TARP modification without it ).