davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc. (TX)

I received a letter from Credit Collection Services ( ccspayment.com ) on behalf of XXXX XXXX XXXX asking me to pay a debt of {$620.00}, which I do not recognize, neither accept it, because I have never had a call or contact with such company. 

I called them to the phone indicated in their letter and they were asking me what are the companies I pay insurance for Home Insurance recently, which seemed to me odd because if they know what they are talking about they should have known that information and clarify to me about the debt and who is demanding to get paid.

They insisted that I give them the name of my Home Insurance company, so I mentioned that I have Travelers insurance for Home Insurance and conveniently after providing my answer, they told me that Travelers insurance were the ones trying to collect that debt.

I told them that I would fix the problem directly with Travelers Home Insurance if there was any problem, and they told me to call them back to resume.

What I didn't mention to this Credit Collection Services Company people, and that is where I caught them being a fraudulent company, is that I already paid my Home insurance with Travelers for the whole year and next payment is until XXXX next year, so I don't owe them any money, and even checking my account statement with XXXX insurance, it says that I don't have any debts or pending payments to complete with them. This company is a total scam and I am really XXXX XXXX  because they are very annoying going after me with phone calls and mails, like if I owe them something for real. 

I don't know who can help me to stop them from botering me and my family. 

Thank you very much for your attention.
Consumer complaint received 2024-04-16
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. (TX)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX 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 2023-09-20
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)

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. 


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 has violated my rights. Or list of inquiries 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 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-09-20
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. (NY)

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. 


Account Name : 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 has violated my rights. Or list of inquiries 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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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 XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2023-11-07
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. (NJ)

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. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (WA)

On XX/XX/XXXX, I requested verification of a debt that Amsher Collection Services is attempting to collect from me. In response to my request, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX providing me with a copy of a bill from XXXX. Upon further investigation, I realized that Amsher Collection Services and XXXX XXXX XXXX  XXXX  XXXX, XXXX are attempting to collect an amount from me that I do not owe. They are attempting to extort more money from me that what I may owe. 
Attached you will find a copy of a XXXX  bill dated XX/XX/XXXX. This bill includes current charges for internet service from XX/XX/XXXXXXXX  to XX/XX/XXXX. I DID NOT HAVE INTERNET SERVICE from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  as I requested service with XXXX  to be disconnected on XX/XX/XXXXXXXX  because I was XXXX. 
Supporting that I did not have service during this time in which I was billed, attached you will find a copy of the receipt from me returning the internet equipment ( modem ) to XXXX on XX/XX/XXXXXXXX  at XXXX. 
There is no way that I could have internet service when the internet equipment ( modem ) was returned to the company. Attached you will find a copy of the original documentation supporting that the internet equipment ( modem ) returned to XXXX was the internet equipment ( modem ) that I was assigned when started service with XXXX  on XX/XX/XXXX. 
Amsher Collection Services and XXXX XXXX XXXX XXXX  XXXX, XXXX are attempting to collect {$280.00} from me, when the amount that would actually be due is {$140.00}. This is a violation of FDCPA and FCRA as Amsher Collection Services have reported to XXXX, XXXX, and XXXX that I owe {$280.00}, instead of the actual amount due.
Consumer complaint received 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TOWNE MORTGAGE COMPANY (NC)

I have called couple of times explaining to the mortgage company of transitioning jobs that I am financialong struggling, they did not help whatsoever, and did not give me options, I applied for a payment XX/XX/XXXX and on my bank end it went through, but they did marked it as a late payment. I asked for a name change and change of date to pay mortgage and still have gotten no response. This mortgage company is terrible, and I hope to switch out in the future when the rates become steady. Useless customer service, they don't have any option to help besides telling you to figure it out.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

After reviewing my Consumer Reports and noticed that I had several late payments on accounts I've never been late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of there ability with complete accuracies. I have never been late for payments on accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof by the provisions set forth in Consumer Protection Laws. That these payment were late. If proof can't be provided please update these late payments to Payed As Agreed Never Late.
Consumer complaint received 2018-06-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (IN)

First of all, my account was put on certified funds last XX/XX/XXXX due to what the Caliber Home Loans said was multiple NSF fees. They took out two payments in XX/XX/XXXX when I cancelled one before it was processed, however, it was still taken out. I then called my bank and put in a complaint. I then paid our XXXX payment by XX/XX/XXXX and received an email about a week later stating they are waiting for payment. I just thought there was a glitch so I resubmitted. Well during all this, Caliber said they were getting an NSF fee. We had more than enough money to cover {$530.00}. I called our bank, XXXX XXXX XXXX, and they said you have received no NSF fee and have money to cover it. They have also faxed numerous letters stating this. Caliber still would not release the certified funds only from the account. 

Second, during the loan modification process, it took almost 60 days before they said they received a full package. They kept stating they had everything to make a full package, then a few days later, they would say oh we need this now. I finally received a decision, via mail, that stated I was eligible for a forbearance. I owe XX/XX/XXXX-XX/XX/XXXX + all attorney fees, which totals {$5900.00}. However, they are stating start XX/XX/XXXX I pay {$1400.00} + {$530.00} ( regular monthly mortgage payment ) until XX/XX/XXXX. I take {$14000.00} x 6 = {$8500.00}, which is to pay what is owed previously. I have called to ask where the {$2600.00} is going. One SPOC stated is was an interest bearing loan. I know this is incorrect. Another SPOC could not tell me. I have asked if the LM underwriter can take a look to verify these amounts as I feel they are incorrect. I also make {$3300.00} NET and having a monthly payment of almost {$2000.00} is unreasonable, in my opinion. I have only {$1300.00} to get all my other bills paid.
Consumer complaint received 2023-11-07
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: Nelnet, Inc. (TX)

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, all information reported must be accurate and correct.

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it remains on the other XXXX reports, namely XXXX and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution. Sent letter XX/XX/2023 and never received response
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Water heater in house me, my daughter and grandkids live in went out and leaked everywhere in middle of night. XXXXXX/XX/XXXX. Neither my daughter nor I knew what to do. The only company that would come out charged XXXX {$4500.00} for new water heater. We had no idea how much it should have been. We didnt have that kind of money. They had us apply only for monthly payments. Right after all of this we were slightly late on a payment. All of our payments have been perfect otherwise. They sent the XXXX payment that was about XXXX weeks late to credit bureau. It caused our credit to drop significantly and is preventing us from getting help with another large need at the house
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
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
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

Account is not reporting correct XXXX data breach Thank You Based on the information you provided, our records indicate your personal information was impacted by this incident. 
For more information, visit the FAQ page. 
FILE A CLAIM For Assisted Identity Restoration Services, please call XXXX at XXXX and provide engagement number XXXX.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Closed this account with Bank of America, and paid more than the minimum This card interest rate is ridiculous. Can not ever get it down already this year over XXXX in interest. It was XXXX and I paid XXXX which would have brought it down to XXXX, now it is back up to over XXXX. I closed this Credit a while ago it was XXXX, to start and I paid XXXX at the beginning. I always pay more than the minimum. Too much interest rate is being put on this account. Which is Bank of America. Not getting anywhere with this Credit Card because of their higher than average interest rate that was raised, because I closed the account.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX did not approve the XXXX XXXX that I purchase when buying the car this was the reason for giving back the car. I had contacted numerous times to receive help and none was given. I took the car to 2 different mechanics and XXXX XXXX did not approve but said they would when they received an estimate/ they never approved or replied about the warranty or estimates that were sent. They also told me they had sent out a check for the repairs which was a lie and deceitful.
Consumer complaint received 2024-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt claimed by Credit Collection Services and to file a complaint against their ongoing practices that violate my consumer rights as per federal regulations. Despite my repeated requests, Credit Collection Services has failed to provide any validation of the alleged debt, in direct violation of 12 CFR 1006.34 ( b ) ( 5 ). Furthermore, they have unjustifiably placed this alleged debt on my consumer credit report without allowing me the opportunity to dispute it, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

The actions of Credit Collection Services have not only been misleading and deceptive but also constitute a severe misrepresentation of my financial obligations. These actions are evidently in violation of established guidelines under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ), which mandate the provision of adequate disclosures prior to reporting information to consumer reporting agencies. 
To resolve this issue, I urgently request the following : 1. A complete and detailed validation of the alleged debt, including the original creditor 's name, the amount of the debt, and the date it was incurred. 2. A copy of the purchase agreement between Credit Collection Services and XXXX XXXX XXXX and XXXX XXXX XXXX that authorizes Credit Collection Services to collect on the alleged debt. XXXX. Proof of Credit Collection Services licensing and bonding that permits them to collect debts in my state. Additionally, I am revoking any consent previously given, implicitly or explicitly, for Credit Collection Services to contact me via telephone, email, or text messages for debt collection purposes. I expect a prompt response to this complaint and resolution to the issues detailed above. Failure to comply with these requests will compel me to take further action, including seeking legal recourse. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold its commitment to protecting consumer rights and will take appropriate action against Credit Collection Services for their violations.
Consumer complaint received 2024-04-16
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. 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. I need the following accounts to be updated from my file right away XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX