davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (VA)

There is an account on my credit from XXXX XXXX XXXX for {$1200.00} and this is a fraudulent claim because I cancelled my XXXX XXXX XXXX and got another car insurance at a cheaper rate and now 2 years later an account showing that it was opened in XXXX XXXX. # XXXX it is illegal in the state of Virginia to have XXXX insurance policies on XXXX car, I found a cheaper policy with State Farm insurance that was less than XXXX of what XXXX XXXX was charging me and in fact they owed me money for the last month I was with them because I got the other insurance in the middle of a month and cancelled them. XXXX XXXX company taking advantage of the little tax payer and they had the audacity to sell a fraudulent account to a credit collection agency.
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

1st ever contact with them they sent letter saying I owed them money from a debt that was closed, wants me to pay almost double what the original credit amount was. an Amount that I had been Paying on for 6 years. it doesnt add up. letter dated by them XX/XX/XXXX this letter stated I had until XX/XX/XXXX to dispute 1st dispute sent by me XXXX  by registered mail. I sent A validation letter as the amount of the debt is not correct. They did not send what I asked for to prove debt, instead asked me to send them prof. Told them in that letter not to contact until I have confirmed proof, they sent a letter on XX/XX/XXXX XXXX stating that they had concluded that their info was correct. They started trying to contact me on XX/XX/XXXX by calling my business phone each timeXXXX, XXXX. They sent a notice of balance due letter on XX/XX/XXXX. I sent a 2nd letter asking for validation of debt, on XX/XX/XXXX. received another call to my business phone on XX/XX/XXXX. They did not respond to my second dispute letter. Did not hear from them again until they emailed me on XX/XX/XXXX. and have been calling my business phone every day since. This acct is still in dispute. and their claims have not been proven. 
As per fdcpa Section 1692e ( 8 ) they are in violation. 
.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 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 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 2024-07-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (TX)

i'm sending them notice on XXXX, that i refused to pay the debt or any other debt that they say i owe account # : XXXX XXXX XXXX : {$3000.00} Account # : XXXX XXXX XXXX : {$1500.00}
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Identity theft-related accounts appear on my consumer report without my written authorization or wet signature. Following my recent communication with your organization, I formally demand the immediate blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial harm by misrepresenting my credit history and obligations. If not properly addressed, I'm prepared to take legal action to protect my rights and seek resolution. These fraudulent entries have impeded my ability to achieve crucial financial goals, including purchasing a home and providing for my family 's needs.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (UT)

Since XX/XX/2024 I have been trying to get a copy of my credit report from Experian. 

However, this effort has proved futile. I have submitted written requests with proper proof of identify. That is, copy of my social security card, copy of my driver license, and a copy of a recent utility bill ; I also have tried to request a copy of my credit report via their web-site, and have even called and talked to several of their representative. I have had a lot of difficulty communicating with some fo their representative because of their native language and heavy accent. 

The last time I talked to them on the phone on XX/XX/2024, I was informed that the problem was due to not having a mailing address associated with my credit profile. I was told that once I uploaded proper proof of identity the problem would be solved. That same day, I uploaded the same document I have sent to them several times previously. 

However, the issue has not been resolved and access to my credit report from this company is still not available. 

I have uploaded same documents previous provided to Experian.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint personally. A review of my credit report revealed late payment entries. I sent letters regarding this issue over 30 days ago but have received no response, nor has satisfactory validation been provided. I seek your help in addressing this situation.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am writing to inform you that I have been a victim of identity theft, which has led to the unauthorized addition of fraudulent accounts on my credit report. These accounts were opened without my knowledge or consent. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft, and I am now requesting the prompt removal of these fraudulent accounts to ensure the accuracy of my credit report.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with ( 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 ( MONTHS REPORTING LATE ) to be removed.

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

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


( XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ON XX/XX/XXXX I RECEIVED MY CREDIT REPORT.ON XX/XX/year>XXXX  I SENT AND COPY OF MY BANK STATEMENT AND GOVERNMENT ID.SHOWING my NEW ADDRESS AND STATING THAT I ONLY WANT ONE ADDRESS ON PROFILE. YET YOU CAN NOT FOLLOW SIMPLE INSTRUCTIONS. REMOVE ALL OLD ADDRESSES, AND PHONE NUMBER, AND EMAIL ADDRESS AND JOB 'S.

ONLY ONE ADDRESS AND YOU HAVE INACCURATE INFORMATION ON MY CREDIT REPORT. THAT'S A VIOLATION FALSE MISLEADING. THE ADDRESS U HAVE IS INACCURATE AND ITS CAUSING AN NON VERIFICATION LOCK ON MY ACCOUNT, WHEN I TRIED TO LOGIN IN OR VERIFY MYSELF.
Consumer complaint received 2024-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

My credit report is showing a collection account from CREDIT COLLECTION SERVICES. I never received written notification about this debt which means I have not been given a chance to dispute this account according to 12 CFR 1006.34 ( c ) 4I CREDIT COLLECTION SERVICES are violating my consumer rights. I am requesting DEBT VALIDATION according to 15 USC 1692 ( g ), as well as the purchase agreement between CREDIT COLLECTION SERVICES and XXXX XXXX XXXX XXXX, a detailed list of the history of payments, proof that CREDIT COLLECTION SERVICES have chain of title to collect on this debt. Without providing any of this information this account should be permanently deleted immediately.
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

That card was not used for months ; it was empty at {$0.00}. All of a sudden they start calling and emailing the I am past due. When I look to see why they started charging me {$5.00} dollar monthly fees. When I noticed I paid and closed the account No purchases were made and the card was empty for months. The have fought me for years on this without providing me the email with the change of terms ; and as usual you take there side. I have no late payments to XXXX or it creditor. The funny part is only one credit beurue took them upon there selves to make it right with a proper investigation.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent a letter on XX/XX/XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$210.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im asking for your support in addressing this incorrect account on my credit report. Ive brought this up because its hurting my reputation, and I need your assistance. The way my credit report has been handled has left me struggling, as this incorrect information has tarnished my reputation. You need to correct these errors so I can live comfortably with my family.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have noticed a hard inquiry on my consumer report with the following information : XXXX Important dates Inquiry date XX/XX/XXXX. this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act I have noticed a hard inquiry on my consumer report with the following information : XXXXXXXX XXXX ( Finance ) XX/XX/XXXX, XXXX. this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act I have noticed a hard inquiry on my consumer report with the following information :. 
XXXX ( Bank ) XX/XX/XXXX this is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681. This company does not have my express written consent to access my consumer report. I have called this company several times and they insist that I do not have an open account or any active applications. Credit inquiry must be pursuant to the last present FCRA. this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX, I was denied rent on a property by XXXX XXXX. The report reflected a write-off of {$3800.00} from XXXX XXXX XXXX XXXX XX/XX/XXXX. This write-off was not reported on my credit report for all 3 credit bureaus.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Bl

ock and remove it. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX XXXX XXXX Inquired on XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 2023
Consumer complaint received 2024-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

It shows that a collection from Florida light and power is on my credit, this account does no belong to me and I'm a victim of identity theft. 

Date : XXXX. XXXX, 2023 Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX XXXX City, XXXX, Zip : XXXX, FL XXXX Dispute Department : XXXX XXXX XXXX Name : XXXX Address : XXXX XXXX XXXX XXXX, State, Zip : XXXX, MA XXXX To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : Collection Account Name : CSC COLLECTIONS When Account Was Open : XXXX. XXXX, 2023 Amount : {$61.00}
Consumer complaint received 2024-08-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (NC)

We are currently less than 30 days late on our mortgage. They have sent people to our house several times, who have left notices on our door. They send us letters daily and call multiple times a day. Yes, we are late, but not even 30 days late. They constantly harass us. They send weird boxes with odd items in it like dice to our address. They send greeting cards and other post card type mail too. It is very odd and I feel like they are trying to intimate us. They have people come by a lot who take pictures of our house. My wife is scared of them and I think that is the point ; to scare us. I want them to leave us alone this is completely unreasonable.
Consumer complaint received 2024-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Easyknock (SC)

I am not having a problem but would like this company investigated for misleading and predatory lending practices. They are promising homeowners cash for the equity in their home with no credit checks. While they may deliver on this the consumer is actually selling their home with the promise they can continue to live there but that would only be possible for up to five years and at market rent rates which do not get credited back to them. Also the promise of no maintenance during this time but when you read the fine print that is not entirely the case either. And then theres here is a possibility to buy it back later c but at market rates and a new mortgage so if they have bad credit they will never qualify for one. So basically for some cash out of equity they are giving away their home and could end up homeless. This is NOT OK! Not to mention fees fees and more fees.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-04-02
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Easyknock (MD)

XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed me as the PR for my late father 's estate and appointed XXXX XXXX CF # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MD XXXX, as the PR based on the claim made by the attorneys alleging to represent XXXX XXXX. Since then, she's tried to have me pay her rent on behalf of EasyKnock. She withdrew that motion after I filed a motion to remove her for attempting to carry out the Ponzi scheme initiated by EasyKnock and attached a copy of the Order from the Massachusetts Attorney General which stated that EasyKnock engaged in fraudulent and deceptive practices. Most recently, on XX/XX/XXXX, she filed a Line with the Court to change the address of my brother ( who shares the same name as my father with the distinction of being the " II '' ). In the line she indicated that XXXX XXXX ( XXXX XXXX XXXX XXXX attorney was the point of contact. ) XXXX XXXX sent XXXX XXXX an email the next day stating that she and her agency have and had no interest in this matter. 

Aside from impersonating or alleging to represent my brother, she's deliberately ignoring the will and the instructions to convert everything into the living trust.