davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (IL)

I am writing to formally complain about certain items related to my account with XXXX XXXX XXXX XXXX ( `` XXXX '' ) and the subsequent actions of Diversified Adjustment Service , Inc . I understand that these actions may constitute violations of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
I activated a SIM card with XXXX on XX/XX/XXXX. However, due to poor service quality, I decided to deactivate my service within the 20-day cancellation period outlined in XXXX 's terms of service. On XX/XX/XXXX, I contacted a XXXX agent via online chat and requested immediate account cancellation. Despite my request for immediate cancellation, the agent informed me that the cancellation would take effect at the end of the billing period. I indicated clearly that I wanted the account canceled as of XX/XX/XXXX, and the agent confirmed it would be. I ceased all usage of the service from that point forward. 
Despite repeated assurances from XXXX representatives that my account had a XXXX balance and that the issue would be resolved, I have received multiple bills from XXXX with varying amounts and notices from various collection agencies. XXXX has verbally confirmed the accuracy of the information I have provided, including the details of my cancellation request, which are documented in the chat log. However, XXXX has maintained that the cancellation was processed as of the end of the billing period, contrary to my explicit request for immediate cancellation. 
Here is a summary of the relevant events and communications : XX/XX/XXXX : Activation of service with XXXX  XX/XX/XXXX : Requested cancellation of service with XXXX  due to poor quality XX/XX/XXXX : Received XXXX collection notice for {$480.00} XX/XX/XXXX : Received XXXX  XXXX collection notice for {$480.00} XX/XX/XXXX : Received XXXX billing statement for {$260.00} XX/XX/XXXX : Contacted XXXX and XXXX  XXXX to dispute the debt . XXXX XXXX stopped collection efforts. 
XX/XX/XXXX : Received XXXX  collection notice for {$260.00} XX/XX/XXXX : Received Diversified Adjustment Service, Inc. collection notice for {$340.00} XX/XX/XXXX : Contacted XXXX and Diversified Adjustment Service, Inc. upon discovering collection entry on credit report XX/XX/XXXX : Submitted written dispute to Diversified Adjustment Service , Inc . 
XX/XX/XXXX : DAS sent verification of debt for {$340.00}, citing only a bill from XXXX that I never received XX/XX/XXXX : Submitted complaint to FCC ( Ticket No. XXXX ) XX/XX/XXXX to XX/XX/XXXX : Disputed collections with credit bureaus, which were temporarily removed XX/XX/XXXX : Diversified Adjustment Service , Inc. replaced the Collection on XXXX report with a balance of {$95.00} XX/XX/XXXX : XXXX XXXXXXXX responded to the FCC complaint, indicating they would take care of the issue and XXXX out the account balance. 
XX/XX/XXXX : Diversified Adjustment Service , Inc. placed a {$0.00} balance collection record on my XXXX credit report.
Consumer complaint received 2024-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC (NY)

Compliance Department Acima XXXX XXXX XXXX Draper, UT XXXX Re : Response to Complaint ID : XXXX - Lease No : XXXX Dear Sir/Madam, I am writing in response to your communication regarding the complaint filed with the Consumer Financial Protection Bureau ( CFPB ) by XXXX XXXX XXXX, concerning a lease agreement with Acima referenced by Lease XXXX : XXXX. 

Upon reviewing your response to XXXX XXXX 's complaint, I would like to express my disagreement with the current status of the lease agreement and the associated reporting on my credit report. Despite your thorough explanation of the lease agreement and the reported delinquency, I continue to assert that I have no knowledge of entering into any agreement with Acima or acquiring any property from XXXX XXXX XXXX ( XXXX XXXX XXXX  ) on XX/XX/2019. 

Given the lack of recognition of this lease agreement and the absence of any contractual obligations on my part, I respectfully request that Acima discharge or dismiss the account associated with Lease No : XXXX. The presence of this disputed account on my credit report for over XXXX years has significantly impacted my financial standing and creditworthiness. 

While I understand Acima 's position regarding its reporting practices and authorization procedures, I maintain that I did not authorize any such transactions or agreements with your company. Therefore, I urge Acima to reconsider its stance and take appropriate action to remove this disputed account from my credit report. 

I appreciate your attention to this matter and request prompt resolution to ensure the accuracy and fairness of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jonathan Neil & Associates, Inc (WA)

I sold my car when it broke down for scrap money to a Tow Truck Company. They sold it to another person that failed to register the vehicle. I removed my Auto Insurance once I signed over my title. The new owner was cited in an Auto Accident. The vehicle did not have the plates that I was issued ; because I took them when I sold the car. The car was tracked back to me by the VIN. WA State, the party that was hit in the accident or XXXX did not make any communication with me. I was not ticketed or cited for any wrong doing or violations. I am not currenlty in collections and none have been reported. A law firm claiming to represent XXXX is threatening to suspend my license if I do not pay them {$4100.00}. The proported Law Firm is Jonathan Neil & Associates , Inc .
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

The account that is showing on my credit report is XXXX XXXX XXXX  This is the collection agency that XXXX XXXX  send a bogus account to that I never had with them. Now its hurting my chances obtaining new credit. 


I NEVER had any services with XXXX XXXX. I tried to switch over my cellphone from XXXX to XXXX ( XXXX ) through way of a promotion that showed up in my mailbox. While trying to transfer over my 4 lines of service it was discovered that XXXX wouldn't allowed the transfer of my phones and numbers so I cancelled the whole transaction and got confirmation that this transaction had been cancelled. Several months later I started getting notices that I had a bill due from XXXX XXXX ( XXXX  ) when I didn't even have the service. I proceed to reach out to the the company several times and once I got a hold of a live rep I was assured that I didn't have any accounts ever with them and they would clear this matter. Now they cleared it alright by just sending the account to collections ( XXXX XXXX XXXX  ) and allowing them to harass me and ruin my credit. I would like this account removed from my credit report after a FULL INVESTIGATION
Consumer complaint received 2024-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch (OH)

Since XX/XX/2023, Kinum, a third-party agency begin reporting information on my credit profile. According to my XXXX, the original debt company name is XXXX XXXX XXXX XXXX XXXX Dba XXXX, an online college for multiple degrees. Im sending this compliant in compliance with 15 USC 1692c ( b ) and ( c ) that clearly states ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

This company has not responded back to the original request for original documentation of original debt. Also, the amount stated, on my credit profile, is inaccurate and requires further evaluation. This company has not provided me with an account number, beside off of my XXXX, Account number # XXXX. I have no knowledge of this account, nor is the company responding. It has affected my credit drastically, Im unsure of this debt or even company besides what I got from XXXX. Thank you kindly for the assistance to evaluating and assessing this situation.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. XXXX highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I requested to pay my mortgage bill via XXXX  XXXX XXXX XXXX banking bill payment system for {$4100.00} to Citizens. XX/XX/XXXX Citizens returned this payment back to XXXX  XXXX XXXX. But this amount was not credited back to my account. Myself and XXXX  XXXX XXXX tried to resolve this with Citizens Mortgage, but they did not give us any information nor did they try to help us resolve this issue. From XX/XX/XXXX till XX/XX/XXXX, I have made several calls to both Citizens and XXXX  XXXX XXXX and been bouncing back and forth with no resolutions. None of these companies takes ownership of who has the funds to release these to my account. On XX/XX/XXXX, I spend another 2 hours between XXXX  XXXX XXXX deposit department and Bill pay department and didnt make any progress. There were few a things that were learned in the banking jargon as I included a family member on these calls that is in banking. XXXX  XXXX XXXX uses a third party bill pay company XXXX XXXX XXXX XXXX ) Which is where funds were returned according to letter provided by Citizens. There was another transaction exactly the same payment to Citizens via bill pay in XX/XX/XXXX that was also returned and these funds were credited to my account without any issues. In XX/XX/XXXX, I finally received my missing payment from XXXX  XXXX XXXX in the amount of {$4100.00}. However they said it was not their fault that the payment went missing for so long. They said Citizens made no effort to resolve the issue and the damages and inconvenience cost should be recovered from Citizens. Citizens has been charging me heavy interest and late charges on my missing mortgage payments but when they lost such a large amount of mine, who would pay the penalties for that? 
See attached letters from both XXXX and Citizens showing XXXX  XXXX XXXX bill pay went out and also the confirmation that this was returned by Citizens. Having these large sums of funds missing for a single mother for 12 months is just ridiculous and needs the attention that this deserves to get a resolution. If you have any further questions, please contact me, XXXX XXXX, at my cell phone XXXX to get a resolution in a timely manner.
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Guglielmo and Associates (AZ)

On XX/XX/2024, Guglielmo and Associates, PLLC mailed me a letter attempting to collect a debt. My first suspicion was how they addressed the letter, it said : XXXX XXXX and XXXX XXXX XXXX ( if married ). I thought that was quite odd as marriage records are public record. Plus, a spouse is only responsible for a debt if it incurred during the marriage. Additionally, I would believe a PLLC would surely be able to do their due diligence and fact check that information prior to mailing a letter. My second suspicion is their website containing little to no information on Guglielmo and Associates, PLLC ; it's quite vague for an " attorneys at law '' website, https : //www.guglielmoandassociates.com/. There are generic details about the company on the home page, but no names or backgrounds, etc., on these " attorneys at law '' working for Guglielmo and Associates. There is a XXXX address on their site and according to XXXX XXXX, but I do not live in XXXX to verify. Guglielmo and Associates, PLLC has terrible reviews, nor are they XXXX accredited. I understand there are restrictions on who is able to obtain a PLLC, but I do not feel comfortable with Guglielmo and Associates, PLLC contacting me.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

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


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

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privac 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
Consumer complaint received 2023-09-15
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. (LA)

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.

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 information is inaccurate.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 information is inaccurate.
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (FL)

My XXXX credit report has an entry for the collection company, XXXX XXXX XXXX XXXX for XXXX. They say that the original creditor is a company named XXXX XXXX and that the account was opened in XXXX of XXXX. I disputed this debt multiple times with XXXX, but they haven't removed it. XXXX is the only credit reporting company that includes this entry. I've called XXXX and XXXX and Tempoe LLC and requested information concerning this account to be delivered via XXXX mail on XX/XX/XXXX, but both companies have failed to send this information. I've researched the company Tempoe and found that they are a merchandise rental company and know that I've never used their services at all. This company has also participated in illegal activity and has been fined by cfpb in the past. I would like this entry removed from my credit report managed by XXXX. I've contacted XXXX several months ago and placed a fraud alert on my credit report.
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (FL)

My XXXX credit report has an entry for the collection company, VANCE & HUFFMAN LLC for XXXX. They say that the original creditor is a company named XXXX XXXX and that the account was opened in XXXX of XXXX. I disputed this debt multiple times with XXXX, but they haven't removed it. XXXX is the only credit reporting company that includes this entry. I've called Vance and Huffman and XXXX XXXX and requested information concerning this account to be delivered via USPS mail on XX/XX/XXXX, but both companies have failed to send this information. I've researched the company XXXX and found that they are a merchandise rental company and know that I've never used their services at all. This company has also participated in illegal activity and has been fined by cfpb in the past. I would like this entry removed from my credit report managed by XXXX. I've contacted XXXX several months ago and placed a fraud alert on my credit report.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

NationStar mortgage purchased my loan from another servicer in XXXX 2015. I have never received a mortgage statement or any other mailing from them. Shortly after XXXX 2015, I realized that the mail was going to another address in my town. This neighbor initially brought this mail to me but became so frustrated with my inability to fix the address issue that they no longer provide this misaddressed mail to me. I called NationStar for 6 months starting in XXXX 2015 through XXXX 2015 to correct the address mistake, each time they assured me it was corrected. I also sent XXXX letters to them requesting address correction, but nothing was done. I have been at the same address for 19 years and I live at the property address that the mortgage is attached to. This is probably the most frustrating customer service issue I have ever encountered in my XXXX years on this planet.