davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

My loan was being serviced through Great Lakes and was transferred to NELNET. It seems as though I paid twice the interest that was supposed to be charged and the company can not provide information on how my payments have been allocated over the last year. I was trying to pay more than the minimum payment but it seems like the balance continually remains unchanged. I contacted them twice, was on hold hours each time and continued to get transferred to various departments. I had my financial advisor call and the same thing happened to him, I was eventually told I would be sent a paper with payment allocation information, the only paper I received 6 weeks later listed the total amount of interest paid, which I already knew. I am supposed to pay approximately {$14000.00} in interest and last year I paid {$27000.00} in interest with no way to determine how this number was calculated or see how my payments have been allocated.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (KY)

I recorded XXXX checks in the mail that I wasnt sure were valid however seemed to be legitimate. I contacted my branch on XXXX XXXX and was told by the teller if I couldnt come into a branch due to being hospitalized and had questions about the checks to go through the process of mobile deposit. I did this action and later that day my bank account was frozen. I contacted the bank customer service number to be transferred to the fraud team and they were closed. The following day I called ( XX/XX/year> ) and was transferred XXXX times. Once I finally got the right department I was told because I had listened to the teller from the branch and the deposits were flagged the bank was waiting on wether or not the checks clear to determine my relationship in the future with this bank. That on XX/XX/XXXX the checks will have cleared or not cleared and my account may be closed. I have had this account for several months and really enjoy this bank. However, I think this is a discrimination against me due to my status or my health and not being able to come into the branch or listing to the instructions given over the phone or of my orientation that I am losing my account. This is the same department my previous complaint was against that was closed with a sincere apology however has now decided to take further actions against me.
Consumer complaint received 2022-07-22
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with EXPERIAN 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 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.

EXPERIAN 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
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC. (TX)

I applied for a checking account at frost bank. I received an welcome email from the bank XX/XX/year> at XXXX XXXX  that they were sending my debit card to an old address. At that point I reached out to the bank and was inquiring about my banking details. I then learned that frost bank couldn't verify me because they said my telephone number was different than what was provided. I was then directed to XXXX XXXX which is a financial manager at the frost bank in clear lake which states at the time for me to go to a branch and show my credentials so I can get verified. After I showed my credentials at the XXXX texas location XXXX XXXX XXXX gave me my debit and direct deposit info. An hour later my account was closed by XXXX XXXX which is unfair to me when asked why I was told by XXXX XXXX at the XXXX XXXX location that I didn't provide the correct info but if I didn't provided the correct info why was I given my debit card and direct deposit info. I was told by the bank to obtain a police report that wasn't giving me any info just being rude and unprofessional
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX Fair Debt Collection Practices Act ( FDCPA ) Violation by CREDIT COLLECTION SERVIC Dear CFPB, This letter is to file a complaint against CREDIT COLLECTION SERVIC for violating the Fair Debt Collection Practices Act ( FDCPA ). 

The collection agency is attempting to collect a debt from me. However, they are engaging in unfair and deceptive practices in violation of the FDCPA. Specifically, they are : Using false, misleading, or deceptive means to collect a debt. This violates 12 CFR 1006.34 ( b ) ( 5 ).

Failing to disclose my rights under the FDCPA. This violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furnishing inaccurate information about the debt to credit reporting agencies without providing the required disclosures. This violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

CREDIT COLLECTION SERVIC is reporting incorrect information on my credit report such as Date Opened is incorrect. Date last reported is incorrect. 
I am informing CREDIT COLLECTION SERVIC that i am disputing all owing and any debts, I am revoking all my rights of communication with CREDIT COLLECTION SERVIC through email, text, calls. 
In this letter i am requesting debt validation, I am also requesting the purchase order agreement between CREDIT COLLECTION SERVIC and the original creditor, I am also requesting CREDIT COLLECTION SERVIC to furnish proof that they are licensed and bonded. 

I request that the CFPB investigate these violations and take action against the collection agency. I also request that you remove any inaccurate information about the debt from my credit reports. 

I have attached copies of all relevant documentation to support my claim, including : My credit report Thank you for your time and attention to this matter. 

Sincerely, Your Signature XXXX XXXX
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MS)

i sent letter to them on XXXX, about this alleged debt that i do not owe. this is the information that i requested : XXXX. Original Contract : A copy of the original contract or agreement bearing my wet-ink signature, which is the basis of the alleged debt. 
XXXX. Proof of Ownership : Documentation proving your legal ownership of the debt, including the complete chain of custody from the original creditor to the current creditor. 
XXXX. Full Accounting Records : Detailed accounting records of my account, both public and private, maintained according to Generally Accepted Accounting Principles ( GAAP ). This should include a comprehensive history of all transactions and charges applied to my account. 
XXXX. Affidavit : An affidavit affirming that a contract exists between me and your organization, including the terms of the contract and any other pertinent information.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (PA)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Consumer complaint received 2024-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

On XX/XX/year>, I submitted a formal debt validation request to Credit Collection Services ( CCS ) regarding an alleged debt of {$200.00}. Despite this, CCS has failed to provide any documentation validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Previously, I filed a complaint with the CFPB about similar conduct by CCS, which resulted in the removal of the account from my records. Despite being under a cease and desist order, CCS has resumed collection efforts without providing the necessary validation for the account. Furthermore, CCS is not licensed to collect debts in Georgia, rendering their collection activities unlawful. 

I have also discovered that CCS has reported inaccurate information on my consumer credit report, causing significant distress and potential financial harm. I have attempted to resolve these issues directly with CCS, including sending a cease and desist letter, but they have ignored my requests. 

I seek immediate cessation of all collection activities by CCS, removal of the alleged debt from my credit report, and compensation for the distress caused by their repeated violations and non-compliance.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Dispute of Debt ( File Number : XXXX XXXX XXXX, Pin Number : XXXX ) To Whom It May Concern, I am writing to dispute the validity of a debt that your agency claims I owe. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Additionally, there are inaccuracies in your records that need to be corrected. 

1. **Incorrect Name** : The name listed on the collection notice is incorrect. The notice lists my name as " XXXX XXXX, '' but my correct name is XXXX XXXX XXXX. 

2. **Request for Validation of Debt** : In accordance with 15 U.S.C. 1692g of the FDCPA, I request that you provide validation of this debt, including : - The amount of the debt. 
- The name of the creditor to whom the debt is owed. 
- A copy of any judgment ( if applicable ). 
- Verification and documentation that I am indeed the party responsible for this debt. 

3. **XXXX XXXX  and XXXX XXXX : If this debt is related to XXXX XXXX, I request that you provide a XXXX authorization form. As stated in 15 U.S.C. 1692c ( b ), you must obtain my authorization to disclose any XXXX information related to this debt. 

Please note that you have 30 days from the date of this letter to respond with the requested validation information. Until I receive proper validation of this debt, you are not to report any negative information to the credit bureaus, as it would constitute a violation of the FDCPA. Additionally, I am requesting that you correct the name error in your records immediately. 

Send the requested information to my address as listed above. If this debt can not be validated, please remove it from your records and cease any further communication with me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-19
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. (FL)

I recently review a copy of my credit report and noticed fraudulent account on my report I don't know what ( XXXX XXXX XXXX ) is, this fraudulent account need to be remove from my report because it's hurting my personal finance.
Consumer complaint received 2024-07-19
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. (NY)

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission concerning these fraudulent accounts, and as a result, XXXX and XXXX have removed these accounts from their records. 
I have also directly contacted the bank associated with these accounts and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates these obligation but also exposes me to further harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with 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 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 XXXX
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Other features, terms, or problems — Privacy issues
Company: Experian Information Solutions Inc. (OR)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2022-10-28
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
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. (FL)

I am filing a complaint against XXXX XXXX, as I believe they have engaged in fraudulent activities that have taken advantage of me. I have submitted written requests to address this matter, but they have ignored my concerns. Furthermore, my research reveals that the VIN number in question ( XXXX ) is not registered in my name according to the Florida Department of Motor Vehicles. I am seeking assistance to resolve this situation and hold XXXX XXXX accountable for their actions. 

I am confident that the car loan contract is a forgery, and I will not accept it as a legitimate agreement. I request that we examine the evidence and verify the contract 's authenticity. If it is indeed fake, I expect all parties involved to take immediate action to rectify the situation and protect my rights. 

I have also filed a police report and opened a case with the XXXX XXXX Police Department regarding this matter. I am cooperating fully with their investigation and will continue to pursue all necessary legal actions to address the fraudulent activities perpetrated by XXXX XXXX.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXXXXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX 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