davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (GA)

XXXX ( Credit Collection ) Opened XX/XX/2018 {$30.00} Original creditor : XXXX XXXX XXXX XXXX  I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2020-07-09
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: Experian Information Solutions Inc. (FL)

Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020 I received a copy of my credit history report from Experian. That report contained incorrect information reported by you. I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. XXXX XXXX XXXX XXXX, Fl XXXX
Consumer complaint received 2020-11-06
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. (TX)

Credit Reporting Agencies are mandated by the FCRA but refuse to answer the question ; where is verbal permission allowed in the FCRA for companies?
Consumer complaint received 2020-11-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (TN)

As predicted, it has been 72-hours since the below commitment was made by Exeter and the principal balance of my loan HAS NOT BEEN adjusted. It still remains {$20000.00}!!! 

AND it says my next payment is due on XX/XX/XXXX when the next payment actually due is XX/XX/XXXX!! 

This company is a bunch of crooks! I am not going to be getting the AG office involved. Enough if enough! 

This is the XX/XX/XXXX response I got : Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Dear XXXX XXXX, On XX/XX/XXXX, Exeter Finance ( Exeter ) received notice regarding your complaint filed through the Consumer Financial Protection Bureau ( CFPB ). Exeter would like to thank you for the opportunity to address your concerns regarding your request to have the overpayment apply directly as a principal reduction. Exeter has thoroughly investigated your complaint, responded to the CFPB and made the following determination. On XX/XX/XXXX, Exeters records reflect that you inquired about making principal reduction payments. In response, Exeter advised that in order to have the full amount of the payment applied as a principal reduction, the account must be paid ahead three months. On XX/XX/XXXX, the account reflected as paid three months in advance. Due to a technical glitch, the funds were not applied according to the payment allocation schedule. XXXX has reviewed and confirmed that the account has advanced XXXX payments and currently there is a partial payment of {$520.00} that has had been applied towards the XX/XX/XXXX payment. In an effort to remediate the complaint, Exeter will manually reapply the partial payment of {$520.00} for XX/XX/XXXX, and apply it in full, as a principal reduction. Your next monthly payment will become due on XX/XX/XXXX. Any partial payment received between now and XX/XX/XXXX will continue to be applied as a principal reduction. As such, any partial payments received after XX/XX/XXXX will be applied as principal and interest payments until the XX/XX/XXXX payment has been completed. Once the XX/XX/XXXX payment has been completed, any additional monies received will be applied towards the principal reduction. If the account continues to be paid ahead by three payments, the principal reduction will continue. Please allow 48 to 72 hours for the system to update to reflect the adjustment. Exeter acknowledges that we failed to provide the best in class customer service and sincerely apologizes for the inconvenience this may have caused. Exeters success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. If you have any questions about these or any other concerns, Exeter encourages you to contact the Office of the President at XXXX. Sincerely, Office of the President Exeter Finance
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Systems,Inc. (AL)

Failure to comply on XXXX  and XXXX request. I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ) on these accounts : 1. ) NATLCRSYS ( Original Creditor : 09 XXXX XXXX XXXX  ) XXXX Date Opened XX/XX/2015 and 2. ) NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2015 2015
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (TX)

Please see the attached statement. It shows {$590.00} in rewards earned but these were not deposited. I would like these deposited into my paypal account XXXX I have used the card per the terms and not sure why this wasnt deposited. 


Thanks, XXXX
Consumer complaint received 2020-06-30
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. (AR)

DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT. XXXX  XXXX {$230.00} XXXX XXXX {$4200.00}
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (IA)

My wife and I booked a trip package including round trip first class rail transportation from XXXX XXXX, MN, to XXXX XXXX XXXX in Montana, three nights lodging, selected meals, and two tours with XXXX XXXX in XXXX and paid a deposit of {$750.00} on XX/XX/XXXX to XXXX XXXX. The amount of the deposit is what I am seeking through this letter. 

The trip we booked was deferred until XX/XX/XXXX because of COVID restrictions. We paid for the trip on XX/XX/XXXX, then upgraded our rail accommodations on XX/XX/XXXX, and paid an additional amount. Refunds for these amounts have been paid and are not included in this request. The {$750.00} deposit has not been refunded and that is what we are seeking through this complaint When we arrived at the train station in XXXX XXXX at XXXX XXXX on XX/XX/XXXX, we were denied boarding because the bedroom we had booked, and paid for, had been sold to other customers. No other sleeping rooms were available and since XXXX XXXX does not have a customer service telephone line to resolve problems encountered by travelers, we had to return to our home in XXXX, IA. 

The amount of our refund is not in question according to two representatives from XXXX XXXX  with whom I have spoken. I have made two attempts to secure the refund from XXXX XXXX  and while I have been promised prompt service by customer relations representatives, the deposit has not been refunded. Hence, I am seeking your assistance for a refund of the deposit. 

Mastercard has denied our claim since it occurred more than two years ago. The outbreak of the COVID virus resulted in the park being closed in the summer of XXXX and as a consequence we had to rebook our trip for XXXX. 

I appreciate your assistance with this matter.
Consumer complaint received 2020-11-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (OR)

On XX/XX/XXXX a woman named XXXX XXXX ( XXXX ) from XXXX XXXX XXXX XXXX contacted me about a charged off store credit card. The voicemail reads ; Hey Mr. _____ this is XXXX XXXX ___ XXXX XXXX XXXX XXXX a case number XXXX I'm returning your phone call you did leave a voice message to get back in touch with you however I got it no answer again your case is actually scheduled for a litigation them tomorrow but if I am able to get your side of the story is see if I can help you in anyway I could actually put a stop on that could you please give me a call back at XXXX we do leave the office today at XXXX XXXX  Eastern standard time right now it is XXXX I made an agreement to pay 5 payments totaling {$500.00} to pay off my old store card. This was very similar to a deal i got in the mail from the company that first held my debt so i went along with it. Note : she had all of the store card information. Even the charge off amount. 

On XX/XX/XXXX she called to say this : This message is intended for a Mr. ______ ___________ this is XXXX XXXX for ___ XXXX XXXX XXXX XXXX please call us a payment reminder for your payment schedule to be automatically drafted out of the account for today 's date in the amount of {$100.00} um this is your second to last payment your last payment is scheduled to be dropped it out on the XXXX um that would close out this account 14 days after your last payment you will be receiving your paid in full documentation of two at physically close out the account and update your credit profile I can be reached at XXXX if anything changes please reference to your case number when calling _____ is XXXX XXXX  XXXX thank you have a good day Months later i noticed that this had still not dropped off my credit report. When contacted they sent me a sign off sheet for the amount paid. The card company has no idea who these people are, nor does their third party biller. 

When contacted they never would return a call and now the phone is no longer in service. Also i cant find anything with their Business name online. 

After a bit a got an email with right signature with the information. The email was from XXXX XXXX from XXXX Attachment below. 

Because this took me more than 60 days to discover, i am out {$500.00}. Nothin my bank or anyone will do. 


I will never pay anyone over the phone, ever again.
Consumer complaint received 2024-12-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I received a call stating that I owed money to Fair Collection and Outsourici. They are stating they represent XXXX of XXXX. Which is where I used to live. They attempted to evict me went to court and they were to dismiss all fee because of the unhealthy environment I was living in. XXXX and Judge had court with me being present because I was told incorrect time for court and arrived 15 minutes late. XXXX has sent balance to collect agency and it should be null and void.
Consumer complaint received 2020-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Notice for Proof of Claim for Accounts. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or codebtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following items are inaccurate : XXXX XXXX XXXX
Consumer complaint received 2021-09-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

XX/XX/2021 RE : THIRD ATTEMPT TO RESOLVE DISPUTE NOTICE OF VIOLATION OF [ 15 U.S.C. 1681s-2 ] ( a ) 30 days to reply Dear Equifax XXXX  , This is my THIRD attempt to resolve a dispute with you and third complaint I am filing with the CFPB. 

XX/XX/2021 I submitted complaint in writing to you. 
Attached : 1. Initial Letter to Equifax on XX/XX/2021 2. Delivery Signature XX/XX/2021 I also filed complaint XXXX-XXXX  with the CFPB to which Equifax stated XXXX Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. 

I never received anything! 

I also DEMAND that you provide to me the name of company and proof of this furnisher of the information isUIFAX IS referring to, because this is simply impossible, and it is illegal to tell me false information. 

XX/XX/2021 I submitted my second letter to you directly and complaint via CFPB XXXX-XXXX  to the CFPB to which you again replied, Please be advised that an investigation with the furnisher of the information has been completed and the results were mailed to you. 
Attached : 3. CFPB Complaint XXXX-XXXX  Again I received nothing! 

They have received a personal letter in XX/XX/2021 from me and all these complaints verifying from me that they need to fix this and have my permission to do so. They are FAR past 30 days. They are in FULL violation of the law and for this reason alone they are REQUIRED BY LAW to remove all of these items because I never received anything from them regarding the results of their investigation, despite checking my mailbox incessantly for a few months!!!!! 

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they MUST remove the negative listing disputed!!!!!!!!! I AM ASKING YOU, CFPB PROFESSIONAL, to not allow Equifax more time. Time is now to resolve this.
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been tryin apply for assistance since XX/XX/XXXX, since then SPS has denied my request for mortgage assistance numerous times. Most recently I applied for loan modification assistance on XX/XX/XXXX and faxed in documents to XXXX on XX/XX/XXXX SPS declined my request for mortgage assistance within 7 days of me submitting my paper work. I don't feel that SPS properly reviewed my paperwork during this time since there denial turnaround was so quick. I was never given a single point of contact to discuss this decision and I was not given a denial letter or was informed why they denied my case. Each time I asked for a copy of the letter they assured me there is one and that I should have received it by now. This lender SPS is purposely denying my modification or assistance only to foreclose on my home. I have Offred {$9000.00} towards the past due if they can work with me and apply the balance to the end but also denied that request. I am asking the CFPB to investigate SPS on violations under the Truth In Lending laws set placed for Failure to perform and Negligence on my home. SPS has failed to remove the foreclosure date set on my home while I worked with them with options, right now they currently have my home for Auction for XX/XX/XXXX and when I asked them to allow me to apply for help they refuse and say its not enough time prior to foreclosure and offer only Deed & Lou but SPS has had foreclosure against my home while under review for mortgage help, I believe this is in direct violation of Dual Tracking
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Car purchased ( financed ) from Nissan in XXXX. 
Paid online in XXXX and the money was returned. 
To resolve further issues, I paid over the phone for XXXX, XXXX and XXXX. 
My bank XXXX XXXX XXXX confirmed that on XX/XX/XXXX XXXX  took {$950.00} out of my account. 
Despite me calling and having my bank fax proof of the money taken from me, my car was repoed at XXXX on XX/XX/XXXX. 
Since XXXX on XX/XX/XXXX ( when their phone lines open ) I have made tens of phone calls and direct emailing with a representative for the company. 
They lost my money and until they figure out where they made the mistake- I can not get my car back. 
I am all paid up for my car, put thousands of dollars down, it was stolen from me in the middle of the night and now I have no car for work.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (AZ)

I paid off a contract with Conn 's appliances in XX/XX/XXXX. 

Conn 's Appliances has reported late payment history on my credit file, when no late payment was made. 

Conn 's Appliances has reported that they did not receive a payment for 90 days for the months of XXXX, XXXX, and XX/XX/XXXX. 

I provided bank statements of payment to Conn 's Appliances for those months as proof of reporting error. 

Customer service representative for Conn 's Appliances verified the payments and provided a screen capture of the payment history to Conn 's Appliances which reflected no late payments. 

I disputed the error to the consumer credit bureaus and Conn 's Appliances, and have thus far been unable to have the inaccurate information corrected by Conn 's Appliances. 

Conn 's Appliances Verified incorrect credit file information after being provided documentation of inaccuracies on credit report file with customer service agent verifying no late payment should have been reported. 

Suit was filed against Conn 's Appliances on XX/XX/XXXX for violation of FCRA.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>