davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
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: National Credit Systems,Inc. (MO)

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

At XXXXXXXX XXXX I received a text message from number XXXX that reads " This is a credit reporting alert that adverse credit information is scheduled to be reported to the credit bureaus by CREDIT COLLECTION SERVICES ( a debt collector ). You can pay {$260.00} due XXXX by calling XXXX or by visiting XXXX Reference File # XXXX I clicked on the website and the information that is ask is the file number and zip code. When I enter the zip code is says the information is incorrect. 

I currently have 12 cases open with CFPB due to IDENTITY THEFT, working with XXXX, XXXX and XXXX to remove the items. I have filed an FTC Identity Theft report. 

I'm hereby notifying " CREDIT COLLECTION SERVICES '' this debt is fraud, and this was reported to XXXX as well. After speaking with XXXX I was told that the policy I have with them is in good standing and the next bill date is XX/XX/year>. I have had the same insurance policy for over 5 years, and it is current and active. 

Furthermore, XXXX said this text message may be a scam, and they did not report my account.

Upon trying to dispute this via the company 's website, there is no way to contact them other than calling them, which I am not comfortable with giving XXXX has said they did not send me to collections and my account is current.

I will attach in good faith a copy of the FTC Identity Theft report. Under FCRA 605B this requires CREDIT COLLECTION SERVICES to stop all attempts to collect this debt. They have my phone number since they text me, if you have further questions call me.
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NJ)

this lease was illegally renewed, my signature was forged, i filed a police report and everything, the debt is still under my name. The debt collector has spoken with the person who's debt it is, XXXX XXXX, and they still have not taken it off my credit report and are still reaching out to me to pay it when they know it is not my debt. I have given them the police report as well.
Consumer complaint received 2024-05-16
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)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-16
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. (IL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-16
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. (NJ)

PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2024-05-10
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. (MI)

Please be advised that as of XX/XX/year> as listed on my most recently reviewed on my XXXX XXXX report, there are several frauds/ or unauthorized information that needs to be Inquiries -clarity services a part of experience -fin wise bank XXXX XXXX XXXX - XXXX XXXX -today cash -factor trust -eagle lending -WLCC Lending FHC DBA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX -pay XXXX credit -credit cube -cascade springs red-INF-INSIGHT -cash Advance now -green arrow solutions -green line loans/eagle/intera -evergreen services/ insight/riuo -bison green lending -TCDS for Mobiloans Please remove it from my credit report. 
I am hereby notifying you that neither of those accounts are correct, I have not given XXXX systems permission to furnish this information. understanding that this is a violation of XXXX XXXX XXXX ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to XXXX systems resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This company is reporting fraudulent inaccurate information on my credit report. I have/am requested they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to.
Consumer complaint received 2024-05-16
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. (MI)

This is my several endeavors to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
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Consumer complaint received 2022-12-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IL)

I am sending this complaint in as instructed by XXXX different VA representatives who identified that I was being wrongfully serviced. I fell behind on my mortgage due to the pandemic/covid 19 and I was not offered the VA PARTIAL CLAIM. my mortgage company automatically put me in a loan modification program changing my apr from 2.5 % to 6.7 %. On several occasions told me that I didn't qualify for the program and also that the program was no longer available. They also stated that I said I could not continue my mortgage payments although I called them and told them I could. When speaking with the VA they informed me that I was entitled to the partial claim and that the company had enough time to submit me for it. During this process, they also put me up for foreclosure before any attempts to get me back on plan. XXXX different VA representatives informed me that they have more than XXXX complaints of wrongdoings from Freedom Mortgage Company with similar stories. the full Partial Claim that the VA offered ended on XX/XX/XXXX however I never received that option yet on XX/XX/XXXX they just offered me the loan modification which double my mortgage payments. Secondly, I was told by all XXXX VA representatives that there is another partial claim that is available until XXXX of XXXX, and every time I speak with FREEDOM MORTGAGE Company they tell me that it is not available. Although I am being told by the VA I am eligible and that the program is available. I am a XXXX veteran that would like to save my home. thank you for all your help in advance. I was on time with my mortgage and bills until XXXX never been late. until I eventually ran out of savings and my income changed dramatically. I am ready to move forward and get caught up with my mortgage.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (SC)

I just logged in to Mohela 's old student loan platform/portal and am now receiving notification that all my student loans that I had been paying for over 20 years had been forgiven and received the letter. I log into Mohela 's new student loan platform/portal and it says I owe on a loan that was issued within the time period student loan forgiveness was granted/covered. 

XXXX. Why is Mohela trying to collect on a loan that should have been forgiven based on its history? 
XXXX. Where did they get this information from because I never saw this online or received in US Postal mail? 
XXXX. I attended this school over 20 years ago. 

XXXXXXXX XXXX XXXX  - Subsidized School - XXXX XXXX XXXX Loan Status - Repayment Estimated Payoff Date - XXXX/XXXXXXXX Repayment Plan - Extended Repayment - Level/Fixed Amount Due : {$500.00} Interest XXXXXXXX XXXX  Date Due : XX/XX/year>
Consumer complaint received 2024-08-01
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. (IL)

On XX/XX/XXXX, I sent two letters, referred to hereafter as " XXXX Opt Out '' and " Request 1099-C '', to XXXX Customer Service XXXX I received confirmation that letters were received. To date, I have not received what I asked for and XXXX is still reporting information post opt-out and I have not received any requested documents from XXXX.
Consumer complaint received 2024-08-19
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. (FL)

I am writing to disputed account on my credit report that were made without my consent. Accprding to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15U.S.C 168 1B ) there are specific permissible purposes for obtaining a credit report. I did not authorize these account ans can not find any permissible purpose under this section that justifies their presence on my report, hard inquiries, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>,
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DC)

My credit score went down XXXX points XX/XX/year> because of the bogus reasons that Equifax has come up with. 

Hurting your credit score : Lack of sufficient credit history I have a credit card for several years The date you opened your oldest bankcard or credit card account is too recent What is too recent?

Lack of sufficient relevant real estate account information I dont have to own real estate The balances on your accounts are too high compared to loan amounts What does that mean?
Consumer complaint received 2024-08-05
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. (WI)

BEEN Disputing these accounts for REMOVAL over one year. CFBP.been involved for quite some ttime .to get these accounts .to BE REMOVED .which has effects my credit scores RATING? FOUND these Companies isn't following Fair. Report act? Such as name dates. On these accounts. Money statements is owed not collect. is also reporting incorrectly DATES .I Have went OVER beyond .trying have these accounts REMOVED ..to increase scores .some is still. showing Some.has BEEN REMOVED on .MOST ALL Companies has. Been contacted. FROM. internal revenue regarding. These. Accounts complaints Federal trade commission investigating. Noticed l have also going over beyond. To have these accounts REMOVED.l TRIED ATTACHED. FRAUD .ALERT .iNCLUD POLICE REPORTS FOUND. Notice still. Notice no changes. Done .With CREDIT SCORES. INCREASED Notice it continues staying same RANGE.? question GLITCH SOMEWHERE SOFTWARE? Again l Have attracted these companies. Including police reports Supporting documents helps with these companies names down below. AGAIN NOTICE SOME ACCOUNTS HAS BEEN REMOVED.CONTINUE SEEIN NO CHANGES. ANYWHERE. CREDIT.SCORES .MY CREIT CARD PAYED. OFF. ALL. BiLLS ATTACKED ALL PAYED ON TIME. XXXX XXXX XXXX XXXX XXXX XXXX  FORREMOVAL THESE ACCOUNTS THESE ACCOUNTS ATTACK
Consumer complaint received 2024-08-05
Product: Credit reporting 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 am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I opened a new bank account with XXXX XXXX Upon opening, I set up to make an additional payment to my Capital One Venture card. For some reason XXXX did not send the payment, and Capital One unilaterally closed XXXX of my credit card accounts I have had in good standing for a long time. XXXX  is willing to admit fault, but Capital One wont send me to the proper people. Its customer service that tells me the computer automatically closed them. 

Capital One offers XXXX help, and XXXX admits their error.
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

I continue to receive an error that says " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist '' ( ED Financial ). I know I have a loan as it was visible in XXXX when I signed up/logged in to their new platform as required. It is also available via FAFSA, but the payment site does not reflect accordingly. 

I emailed on XX/XX/2023 to inquire ( and again on XX/XX/XXXX ), but have not received a response yet. I called on XX/XX/XXXX and XXXX with no call back. When I try to chat in they immediately say they can not help me and close the chat ticket. Wait times for phone calls are over XXXX minutes long and they do not call you back when you ask them to. 

I am unable to start my payments on the new platform before interest starts occurring. I will soon be charged late fees and additional interest as they continue to ignore my requests for help.
Consumer complaint received 2024-04-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Zip Co US Inc. (MD)

On last Thursday XX/XX/24 I reached out to the merchant about my order and to inquire about whether or not my order was finish when the merchant informed me that she had not received the money from the company and the invoice is not complete. The merchant actually thought I had cancelled the order. What happen afterwards was a several email exchanges between the company, merchant and me. The company ZIP had taken two payments out of my account and was approaching a third payment to de deducted from my checking account at XXXX. I had paid on XX/XX/24 {$36.00}, XX/XX/24 {$36.00} and a third. The begin a series of emails with the company. They would not put a stop on the next payment until the review shared that they could not do this. What bother me during this process they were very unprofessional, and I had to call my bank to dispute the charges and stop the debit card. The company also after several attempts from the merchant also was unable to get anywhere. No explanation on why they continue to take out payments and did not pay the pay the merchant. I also have a long history with the vendor. I don't think its fair that this company can do this, and I am glad I made contact with the merchant. They even told me not to file a dispute because it would be a negative on my account
Consumer complaint received 2024-05-26
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)

XXXX, Experian, & XXXX continue to report an account incorrectly. I previously disputed the account XXXX XXXX  Account # XXXX and each consumer agency stated they verified the account but neither consumer agency sent me documents or any information to prove they did a reasonable investigation furthermore the account is listed twice on my report which this means this is causing my credit scores to be reported incorrectly because this account is lower my utilization by listing it twice. Federal law states you have to have proof to report information onto a consumers credit report and they have no proof which is why they did not provide proof. This is my final attempt to get this account removed or provide me with the evidence you used or the person you spoke to who stated this information was verified. I request you upload it in the portal do not attempt to stall by saying you will send me mail because I have no received any response from my previous complaints.