davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (GA)

Credit Collection Services is currently reporting on all three major consumer reporting bureaus that I owe their company {$230.00}. Reporting started on XX/XX/2023 and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Consumer complaint received 2023-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TX)

I purchased a home in XXXX XXXX in XX/XX/XXXX. My loan has been " sold '' several times. My current Lender, Fay Servicing, has had my account since XX/XX/XXXX. I asked for a payoff statement. They can not provide this to me. Fay Servicing said the only account information/payment history they have starts with the day they began to service my loan. They claim to not have any information from any previous lenders.
Consumer complaint received 2023-07-26
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: MoneyLion Inc. (OK)

Information on reports from when i was a minor caused by people / family using information at a young age i have proof of birth certificate from the age i was in XXXX i would like this removed from my credit report because it is affecting me after I turned of age to have credit
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

CCS Collections is trying to collect on a debt that isn't owed and is reporting false information to the credit bureaus and will not remove. There is no balance due to XXXX XXXX policy # XXXX. The CCS Collections account # XXXX needs removed from credit file immediately or I will seek legal action in excess of the {$360.00} balance they said is owed.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (PA)

I have had a terrible experience with my mortgage servicer, Planet Home Lending. I recently filled a borrowers assistance package due to loss of income. The entire review process has been a disaster. I've called them many times over the last month during the review to check in on the process. Each time, when speaking to a representative from the loss mitigation team, I've received different explanation and possible solutions to my problem. 

I was hoping to receive a temporary forbearance until my income improved to normal levels and told that was possible without going into default and then finally told it was not possible to achieve without default. This is also after an initial decision by Planet denying my request and me calling and being told I should file an appeal then only to be told a week later that my appeal would not make a difference. 

Again, I spoke to many, many representatives within the loss mitigation team and was told different things every time. I've wasted countless hours and still don't know what I can do to avoid imminent default even though I've been working tirelessly to try and work with Planet on a solution. I was also told during the process that they would remove a late fee for me only to call back a week later and told it was not done and that they don't ever remove late fees. 

The whole process has been a nightmare and extremely frustrating as I've been working, in good faith, to try and get ahead of a problem and avoid default.
Consumer complaint received 2023-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOTAL MORTGAGE SERVICES LLC (PA)

Total Mortgage is the company. We requested our PMI be removed, we met all the requirements. Our original loan states our XXXX must be at 80 % or less and the home must value at {$450000.00}. Our home valued at {$480000.00}. Once Total Mortgage get the appraisal back they try to change everything and state that we need a 75 % XXXX. That is false and its illegally
Consumer complaint received 2020-01-09
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: DISCOVER BANK (SC)

discover financial is constantly reporting incorrect information to my credit file. they are trying to ruin my credit because i am an XXXX american. they have XXXX  fraud protection agents that constantly call my phone and refuse to identify themselves. i have asked them to remove this account and they refuse. I am going to hire A lawyer and sue the company. Please remove this account off my report.
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I called Huntington Bank to close my account, and they refused to close my account over the phone. They told me I HAD to go into a branch to close it. I do not want the account anymore, and it has a monthly fee. I can not make it to a branch during business hours, which I told the lady on the phone, but she refused to make an exception. I asked several more times to no avail. It seems very unethical to me that they are making it so difficult to close my account with them. I don't even know how I will do it.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (NC)

On XX/XX/XXXX while in the branch of PNC the branch XXXX recommended I open a credit card with XXXX percent interest on balance transfers for the first 12 months. I accepted their offer and was approved for the credit card and authorized a balance transfer of {$210000.00} to XXXX XXXX Credit card and {$850.00} transfer to XXXX XXXX XXXX XXXX XXXX Credit card. The transfers were authorized with the credit card approval on XX/XX/XXXX. The XXXX XXXX transfer was posted to my XXXX XXXX credit card on XX/XX/XXXX and the XXXX XXXX XXXX transfer was posted to my XXXX XXXX XXXX Credit on XX/XX/XXXX. 
I set up auto payment transfers from my PNC checking account to my new PNC credit card to begin on XXXX and each month after on the XXXX of the month for {$500.00} each. 
I did this to pay off the credit card within the 12 months to avoid any finance charges. 
When my XXXX statement arrived in the mail, the statement period shown was from XX/XX/XXXX - XX/XX/XXXX, and the minimum payment was due XX/XX/XXXX. I had already made a {$500.00} dollar payment on XXXX so I was not worried about the minimum due. 
At sometime in XXXX I received the another statement from PNC for my credit card with a minimum payment due by of {$50.00} by XX/XX/XXXX, however I made a transfer payment on XX/XX/XXXX so I again was not worried about the minimum payment. However I did not notice the XXXX statement included a late fee of {$27.00} dollars and interest charges of {$1.00} dollars. 
When I received my XXXX statement this month I noticed a late fee of {$38.00} dollars and interest changes of {$1.00} dollars. I called PNC and disputed the late fee in XXXX and the interest charge and they reversed the charges for both. The next day I went back and reviewed my XXXX statement again and that's when I noticed a late fee that month too. So Monday morning ( XX/XX/XXXX ) I went to the PNC XXXX and explained the situation to them in person but she was not able to help me, she did escalate my request and I was contacted by a PNC representative who informed me they could not reverse the XXXX Late fee because they had already reversed the XXXX XXXX XXXX and PNC does not reverse XXXX late fees in the same year. 
Both the XXXX late and and the XXXX late fee are erroneous and should be reversed. 
I have made more than minimum payments in XXXX, XXXX and XXXX.
Consumer complaint received 2023-07-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (GA)

In XX/XX/2022 I paid off my loan with Truist for my XXXX. I paid it the same day that I requested a payoff. They have refused to release my title. I get a monthly statement from them that says the balance is {$0.00}. Total amount due {$0.00}. I would appreciate any help having this resolved and me receiving my title. I have been to two different branches asking for help. I did recieve a letter from a lady at Truist four months ago. I have called and left several messages and she will not respond to me.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I'm filing a complaint with TD Bank because my claim for unauthorized transactions made between XX/XX/XXXX and XX/XX/XXXX using my TD Bank debit card was denied. I noticed the debit card was missing when I logged into my online checking account on XX/XX/XXXX, and discovered the unauthorized transactions. I immediately called customer service to have the account closed, and to file a claim for the fraudulent transactions. I told the customer service representative that the card must have been lost around XX/XX/XXXX because that is when the unauthorized transactions began. The last time I remember seeing the debit card is when I made an ATM cash deposit on XX/XX/XXXX for {$1800.00}. I hadn't made any transactions before the debit card was lost. Nevertheless, the next day, XX/XX/XXXX, I received a provisional credit for {$2000.00} pending completion of the claim review. I then received a final resolution letter dated XX/XX/XXXX informing me that the review had been completed, and a determination was made that an error hadn't occurred. The reasons for the denial were that the transactions were authorized by me, and the spending pattern is consistent with previous account history ( see attached letter ). The only previous account history is when I lost a previous TD Bank debit card in XXXX, and there were unauthorized transactions on the account made mostly in XXXX, FL. The transactions that were made with this debit card were made in XXXX FL, and none of the transactions were identical to the transactions made with the first lost debit card. It's an error in review to clam the latest fraud transactions are similar to transactions authorized by me when I don't have prior authorized transactions.
Consumer complaint received 2023-07-25
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Entrata Inc. (GA)

On the report Rental collection dollar amount : {$1200.00}/ I don't have a rental collection Address I have never lived at. 

XX/XX/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 XXXXXXXX I called to ask if this information could be corrected. They will update the information for the property I applied for, but they said it couldn't be permanently removed from their system due to how the information pulls its data. I will have to call every time I apply for an apartment to get it to pass the verification.
Consumer complaint received 2023-07-26
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. (CA)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-07-26
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. (FL)

Dear XXXX, XXXX and Transunion I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protectedconsumerrights to privacy and confidentiality under 15 USC 1681.

1. Account Nome : XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

2. Account Name : DeptedXXXX Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

3. Account Nome : XXXX AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : XXXX AccountNumber : ending in XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : US Dept of Edu AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 

1.XXXX Account # XXXX 2XXXX XXXX Account # XXXX 3.XXXX XXXX XXXX Account # XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.

Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. 
The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
I request that you review this information and make the necessary corrections to my credit report. Additionally I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. 
As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX, D.C. XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency, Thank you for your attention to this matter. 
XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (IL)

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 2023-07-25
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (DE)

I am requesting for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that EOS CCA provides me with competent evidence that I have any legal obligation to pay them. I am asking EOS CCA to please provide the following:1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my " WET '' signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. If proper validation of the alleged debt can not be provided, I demand EOS CCA immediately delete and completely remove this alleged account from my credit file with all three credit reporting agencies ( XXXX, XXXX and XXXX ). I also demand that EOS CCA agrees to have no contact in any form with me regarding this alleged debt now or in the future. Lastly, I demand that EOS CCA agrees to remove my personal information from all accounts in its companies database.
Consumer complaint received 2019-05-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (TX)

I sent certified mail several qualified written requests for proof of debt as of XX/XX/2019, I have evidence that ALLY BANK is not the owner of the debt. I was ignored, and they did not respond, I then sent a declaration of fraud. The vehicle has since been repossessed on XX/XX/2019 and reported the credit reporting agencies. 

I am requesting the perfected instrument of debt, that ALLY BANK is the rightful owner of the debt, and I will pay the debt in full. 

I have not received any official documentation of the sort to date. I have evidence of all the written and final written request and repossession.