davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CT)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matte
Consumer complaint received 2022-08-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PayActiv, Inc. (NC)

On XX/XX/XXXX, I took out an advance accessible money loan in the amount of XXXX. The agreed terms were that when I got paid it would be taken out of my check, along with the XXXX fee ( for putting it on the card and using the service ). The company claims that once the money is paid, you can use the direct line of credit ( from what you worked ) again ( called an Early Accessible fund, which is half of your paid working hours worth of money ). The money came out of my XX/XX/XXXX Check, in the amount of XXXX however the company never reset my Early Access fund. I have contacted the company numerous times in attempt to resolve this issue. I have received two emails that they have fixed the issue and I should have access to my funds, as well as two text messages. However, whenever I go back on to use the funds it still states that there are XXXX available. They seem to refuse to fix the issue when I need those accessible funds
Consumer complaint received 2021-11-12
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: RentDebt Automated Collections, LLC (CA)

I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with These reporting agencies./// These company ( XXXX XXXX XXXX, XXXX XXXX XXXX, RENT DEBT AUTOMATED COLLECTION , ) willfully violating the FCRA. Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate court action in Federal District for the above referenced violations, I'll be seeking remedy and damages under 15 USC 1681n.
Consumer complaint received 2021-01-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On Friday XX/XX/2021 I disputed 3 items on my credit report.. 
On XX/XX/XXXX t Items disputed were resolved The credit bureaus listed below never submitted my request for verification of debt According to the fair act the credit bureaus must submit a dispute when requested particularly when issues of data have been changed
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXXime has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2021-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I just received an email from Jefferson Capital Systems , LLC. mentioning that they have important information about my account. However, when I viewed my credit report, I do not have any collections on either my XXXX  and XXXX  reports. I called the number provided and they immediately asked me for my " reference number '' but I was not given one, and they also asked for my Social Security Number. I just hung up the phone and did not want to deal with that. The email they sent me was from XXXX, and their own website states that they use that email for outgoing emails. 

I am not aware of any debt outstanding.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXXXXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2023-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Last year PHH mortgage changed my Escrow amount 3 times based on false information making me supply the correct information but it took over 4 months for them to correct the amount and I over paid my taxes by XXXX dollar. I am a XXXX citizen and now they have done it again! in XX/XX/2023 my payment was XXXX and in XXXX they raised it to XXXX. They are basing this AGAIN on wrong information. I sent them the correct tax amount, I told them I over paid last year but they will not change the amount online so I can pay. I HAD to overpay my escrow or my payment will be late. CATCH XXXX! And they know it!!! You can ONLY pay the amount shown on your account online or by phone. EVEN when PHH IS WRONG! Is you send a check it never reaches your account and then they distribute the amount of the check they way they choose! So in order to keep my account in good standing, keep my mortgage current, I have to OVERPAY! This is a SCAM!!! ALL the extra money they receive from the consumers whom they do this too, over states their income statements!!! And in the end the county refunds the overpayments to the consumer. But this creates a HARDSHIP for XXXX citizens, such as myself, who do not have the extra income to be over paying anything. NO ONE that you talk to, and i usually get transferred at least 5 times and spend over an hour and a half with their agents, ever actually helps you. Nothing gets corrected and half the time they spend on the phone is " verifying '' who you are just to say they cant help and transfer you on to the next person. It is a FARCE!!!! to try and get any help from anyone at this company. I have seen all the reviews, complaints and it is Sickening that we have to be treated in this manner with a company that was NOT of our choosing.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX Your company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-08-22
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. (VA)

I'm XXXX XXXX, and I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXXXXXX 52391415****Balance : {$3900.00} XXXX XXXXBalance : {$0.00}
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BBVA FINANCIAL CORPORATION (GA)

Dear BBVA, Banco Bilbao Vizcaya Argentaria, BBVA, AND XXXX XXXX XXXX XXXX ( debt Collectors for BBVA Bank ) C/O CFPB : I DO NOT OWE BBVA BANK NOR XXXX XXXX XXXX XXXX. BBVA BANK IS IN VIOLATION OF 15 USC 1692e ( FAIR DEBT AND COLLECTION ACT ), VIOLATED REGULATION E, AND COMPROMISED MY PRIVATE AND PRIVILEGED IDENTIFIERS.

( 1 ) REQUESTING RE-REVERSAL OF PERMANENT CREDIT ( MURAD ) FOR {$58.00} ; THUS, CREDITING THE BBVA CHECKING ACCOUNT {$58.00}.

( 2 ) REQUESTING BBVA REMOVE THE EXTENDED OVERDRAFT SERVICE CHARGE OF {$23.00}.

( 3 ) DEMANDING REFUND OF {$6.00} WITH ACCRUING INTEREST ENDORSED TO XXXX XXXX XXXX. WITH CLOSURE OF BBVA CHECKING AND SAVINGS ACCOUNT IN GOOD STANDING AND REMOVAL FROM ANY DEBT COLLECTORS.

Sincerely and Respectfully, XXXX XXXX XXXX
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (FL)

American First Finance company is scaming people out of money for payments. They charged me XXXX in leasing services and fees on top of the XXXX i owed on the furniture. 
I made a total of XXXX in payments on the furniture that i took out which are : bed XXXX mattress XXXX box spring XXXX dinette set XXXX dresser/mirror XXXX chest XXXX sectional and ottoman XXXX night statnd XXXX mattress protector- XXXX I sent back the sofa, dinette, dressor/mirror ( to a charity of choice which they said do and keep the reciept and send to them ). I sent them the reciept and they are still saying i owe XXXX. I have read severl reviews on this company and they are doing that to everyone. 

i have called the company on more than one occasion and they cant tell me what XXXX in leasing fees and serivces comes from or how they break it down " its just something the computer generates ''.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Hello : Once SunTrust merged and became Truist I began receiving overdraft fees in abundance. On XX/XX/22 I contacted Truist and told the Customer Service agent that their Available Balance info was not being properly updated to include ALL transactions, holds and pending items, despite Truist having a note next to the available balance that reads : " Your available balance is the money currently available to make purchases, withdrawals, and payments. This balance is updated throughout the day with the transactions you make, including pending transactions and holds. It does not include bill pay checks or checks you've written or deposited that have not yet posted. This balance is used in making payment decisions and triggering overdraft fees if applicable. '' Despite that statement, I would later be charged overdraft fees for items listed in " XXXX XXXX Transactions '' as pending transactions when balance available above does not show a negative balance. I have screenshots and phone recordings with the bank. There is no way I should be charged an overdraft fee for a charge that's listed as pending when according to Truist 's statement right next to my available balance, that pending transaction would have been included in my available balance above. Therefore, as soon as that transaction is pending my available balance should've been negative. Yet my balance never showed negative for this transaction. In fact, I received a bank notification at XXXXXXXX XXXX stating my balance was {$19.00}, then at XXXXXXXX XXXX I received a text saying my account was negative {$14.00}. Then at XXXX I checked my account to find it's negative {$42.00}. 

I was also charged overdraft fees on XX/XX/22, XX/XX/22, and XX/XX/22. I truly believe Truist is not accurately reflecting all transactions, holds, and pending transactions in customer available balances. I do not write checks, so that is not applicable to me. These frequent overdrafts make me look financially irresponsible when I am not. I pay my bills early or on time and keep a running budget of expenses, spending, and bill due dates. This should not be happening and I want to close my account with Truist and go to another bank. Myself and many of their customers feel they are crooks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I checked customer complaints online and on XXXX and found many customers have been receiving constant XXXX fees since SunTrust became Truist. I think they are being dishonest in the way they post customer available balances in order to charge overdraft fees. I have screenshots and dates that I'd like to provide. 

Thank you.
Consumer complaint received 2020-06-11
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: Experian Information Solutions Inc. (IL)

I submitted a dispute with Experian on XX/XX/20 for the company XXXX XXXX XXXX XXXX. This company is reporting an account that does not belong to me. This account has never belonged to me. Experian returned the dispute to me with results dated XX/XX/20 with their findings. In 5 days Experian has determined the account belongs to me. Experian did not take this matter seriously and they did not verify this information in 5 days. The reason I know this to be true is the account does not belong to me. If Experian had investigated this company as requested they would determine the account does not belong to me. What are the next steps to take if Experian refuses to remove inaccurate information from my credit report. The report number that I was given from Experian is # XXXX and the report was generated on XX/XX/20. I filed the dispute on XX/XX/20 which proves Experian did nothing to resolve my issue. What are the next steps to hold Experian accountable for not removing information that does not belong to me? I would like to know the verification method that was used by Experian to determine the account belongs to me. I have requested this information on numerous occasions and Experian does not feel the need to share this information with me. If I need to start a class action lawsuit, I will as a last resort. What does the CFPB intend to do regarding this issue? How can Experian be held accountable?