davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

I was checking my consumer profile when I noticed this alleged debt from a company named CCS Collections on my XXXX report, So attempted several times to dispute it and of course, it came back verified, This was last year some time, So I looked up the company and found out that according to XXXX XXXX XXXX, They are not registered and have no license to even attempt to collect a debt from anyone let alone from the state of XXXX, So I reached out to them to dispute this alleged debt and the several violations of my consumer rights. The first XXXX is I the consumer don't owe this company anything and I never gave the original furnisher written Permissible Purpose by law to sell, publish or report any of my personal information to any third-party reporting agencies so that would be identity theft, Aggravated identity theft according to 18 USC 1028A . Secondly transactions according to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; about this alleged debt. 
My last attempt was me reaching out to the address I found online CCS Collections XXXX XXXX XXXX, XXXX MA XXXX I don't even know if its a real location or a virtual address and I sent out this letter XX/XX/2023 to that address
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmerAssist A/R Solutions, Inc. (NV)

To whom it may concern, On XX/XX/2020 I was notified of an account being reported to my credit file ( s ) as a collection. The invalid an inaccurate account and creditor is " Amerassist AR Solution ''. 

To begin, I've never heard of or have ever done ANY business with this company in my life, I have absolutely no idea who they are. After doing some research I found out that they are a scam collection company who buys so called debts and they have a high reputation of illegally placing collections on consumers credit files. Secondly I'd like to be clear that I have never signed a contract, given any personal information ( ex : Social Security Number ) in regards to applying for credit/credit check nor even given consent to this company in any form to use any information they have ( which can't be much being I've never done business with this company ) to even be able to place anything on my credit file ( s ). Thirdly please be fully aware that this company has now violated sections 609, 617 and 619 of the FCRA in the matter of their blatant disregard of giving valid proof of the validity of this account with their company! I have no signed contractual agreement with this company who please be advised is a 3rd party collection company and again I've never done business with them in any form or fashion. This is an unlawful act and I plan on seeking a lawsuit if this erroneous item is not removed from my credit file ( s ). Also I've never received anything from this company stating where this supposed debt even came from. I'm also now asking the company to give valid proof if they believe this debt to be mine, meaning a physical wet signature contractual agreement between myself and Amerassist AR Solution within 5 days. A digital signature and other forms of trying to prove this account to be mine will not suffice due to the nature of this collection and me never working with or doing business with this company. If not given that proves the invalidity of this fraudulent account on my file and by FCRA law needs to be removed within 30 days.
Consumer complaint received 2021-07-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Over the course of the 8 months of having a car loan through XXXX XXXX XXXX, they have incorrectly reported my payments every month. I have done several disputes and they fix the item being disputed but change another month ( or months ) incorrectly. 

Dispute on XX/XX/XXXX was to update my XXXX payment to current as it was showing 30 days past due. XXXX was updated and XXXX was changed to 30 days past due. 

My score went down 55 points on XX/XX/XXXX because XXXX then reported that I opened the loan in XX/XX/XXXX ( it was opened in XX/XX/XXXX ) was 30 days late for XX/XX/XXXX and XX/XX/XXXX and 60 days late for XX/XX/XXXX and XX/XX/XXXX ( XXXX shouldnt have even been reported yet ) and that I had a balance of {$18000.00} ( which was {$15000.00} to much ) another dispute was done on XX/XX/XXXX. They updated everything but failed to update that my account had been closed and paid in full. 

The most recent dispute was requesting the account to show closed and paid in full, which they updated to just show me 30 days past due for the month of XXXX and XXXX. XXXX has been marked current all this time and they are now claiming I was 33 days late paying XXXX. XXXX was paid on time. 

I have not been able to get myself into another vehicle because of this inconsistent incorrect reporting over the past 3 months to my credit reports.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

Trusit Bank Loan Number : XXXX, Borrower : XXXX XXXX XXXX I am the Borrower in the above mentioned Loan, there was an issue related to Escrow fund related to Property Tax which was going on with the Lender since XX/XX/XXXX onwards and subsequently this matter was resolved on XX/XX/XXXX, wide CFPB Complaint number : XXXX dated XX/XX/XXXX. 

Summary of the present Complaint : Lender - Suntrust Bank [ now known as Truist Bank ] reported negative remarks against my Credit Report based on the above issue. I disputed the above negative remarks and the Lender  XXXX  refused to remove the same from my Credit Report. After carefully reviewing the same, I noticed the following irregularities and discrepancies in the Credit Report and the amount reported by the Lender to IRS. The negative remark reported by the Lender is factually wrong, incorrect and misleading based on the following facts : 1. There is no delayed payment of 90 days as reported by the Lender which is clearly evident from the Exhibit A, i.e. Online statement by the Lender for the year XXXX XXXX. Based on the Exhibit A Lender failed to report the Original Interest paid by the Borrower to IRS. Please refer to Exhibit C 1098 provided by the Lender. The Statement shows an amount of {$4900.00}, paid by the borrower as the Interest for the year XXXX. The actual interest paid by the Borrower is {$5600.00} [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX cents. 

XXXX. It is a true fact that the Lender paid Property Tax for the year XXXX on XX/XX/XXXX and the borrower repaid the full amount the same day itself. This is clearly evident from the Lenders monthly statement of XX/XX/XXXX. 

XXXX. Under the pretext of the above, unilaterally in a hasty manner, Lender tried to foreclosure the property without the consent, knowledge and permission of the Borrower and various wrong entries were made during this process.

5. The inadvertently committed erroneous entries from the Lenders side were corrected /rectified by the Lender XXXXng the process of resolving the issue in the original Complaint, XXXX XXXXXXXX dated XX/XX/XXXX. Please refer to XXXX XXXX  the online statement from the XXXX side, dated XX/XX/XXXX which is self explanatory. 

In view of the above, there is not even an XXXX  of evidence to prove the delayed payment of 90 days from the Borrowers side. The scanty and sketchy allegations with baseless lengthy explanations can not be used as a cause for reporting negative remarks against the Borrower, whereas the Lenders failure to report the actual interest paid by the borrower is a serious matter. The negative remarks reported by the Lender is totally absurd, excruciating and intending to tarnish the Credibility of the borrower.
Consumer complaint received 2024-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (NJ)

The agency known as REMEX INC, has failed to comply with my requests and to date I found this account is still listed on my credit reports. At this juncture I will bring this matter up with the Attorney General and the FTC unless immediate removal of this fraudulent collections account is removed from all credit reporting bureaus The abuse and harassment and falsely reporting a debt along with violating a few FDCPA rules is inhuman.The action this company has taken constitutes fraud under both Federal and State Laws The reply REMEX INC furnished is attached to this complaint which is only an electronic bill and does NOT validate the debt. 

This is the second complaint to this agency in regards to this matter, I am asking for CFPB to fully investigate this complaint before closing it when the company replies with information that has no value. 

I Do not owe the alleged debt and therefore i have requested the following from the company below, which to date has not been supplied : - Proof that your agency has been assigned this debt from the original creditor, I Have not agreed to the assignment of the alleged debt in question in writing or verbally. 

- A valid copy of the original signed contract with the original creditor or an original written confirmation of evidencing the transaction resulting in the indebtness to the original creditor. Computer documents, a bill or electronic evidence created after default on the indebtedness shall not qualify as such documentation - Proof of the chain of assignment that shows who/what was transferred and to whom/to where it was transferred, with the prior assignors listed ultimately giving your agency the legal right to collect the alleged debt. 

- Proof the account in question is included in any assignment. 

- What the money you say I owe is for - The address and contact number of the original creditor - Prove the Statute of Limitations has not expired on this account - Provide me with your license numbers of the Registered Agent in my state. 
- Valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party. 

Please treat this debt as disputed until you provide the information requested.
Consumer complaint received 2024-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I had two fraudulent transactions charged through Paypal for apple giftcards which used my card through my XXXX XXXX XXXX XXXX bank for the amounts of {$10.00} and {$21.00}. 

There are several exploits which is why I imagine so many scammers are openly doing it, but my main issue is with the fact Paypal provides absolutely no way to get into your account to report the fraud or contact anyone in the company while the scammer is actively submitting more transactions on an individuals card. 

Attached are images of me attempting to log on via computer ( 2 different browsers ) and via the phone application, I tried 2 working phone numbers and even did their photo ID verification, all of which led to an error message " we are having trouble verifying your account ''. 

It should be illegal to have any kind of financial service that can not allow you to report fraud that is actively being done. I ended up having to cancel my debit card through my bank, which took hours to do. 

There are an overwhelming amount of disputes similar to mine yet PayPal has done nothing to fix the issue. A company like this should not be allowed to operate and expose consumers to such preventable and exploitative practice.
Consumer complaint received 2023-09-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My wife, sister in-law and I all received phone calls from all different numbers, saying that my wife has to pay an old debt or she'll be reciveing a summins for court in 3 days unless she settles it today. My panicked and was corropertive with them. Myself was not and started questioning them what it was all about and their name and they wouldn't give any information unless I agreed to pay the amount. I contacted my bank and notified them and they urgently told me to lock my card and it was too late my wife had already gave the card info.
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX These are unauthorized Hard Inquiries that are currently listed on my credit report. 
These Inquiries need to be removed from my credit report.
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

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 2023-10-10
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX 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
Consumer complaint received 2023-10-10
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX 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
Consumer complaint received 2023-10-10
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. (NV)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2016-08-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I was let go from my job at XXXX, my job was moved to XXXX on XXXX/XXXX/XXXX. 

I looked for work in my field and i continue to do so but I coukldnt find anything with any salary close to that. 
I was making XXXX. 

I took a job as an XXXX XXXX, I am happy to be working but the pay is XXXX a year! 

So our income is down XXXX. 

I fell behind on my NATIONSTAR MORTGAE -it is a second mortgage at 10.75 % I have been paying XXXX a month since XXXX and ther balance is now XXXX on a XXXX loan! 

The company contacted me to say I ower all arrears noit just what I missed this year. 
I didnt know I was behind, They told me I was a year behind besides what I currently missed. 
I had been paying. I dont know where this extra year of being behind came from! I asked for a printout on my loan payment, they will not provide. 
I asked for a loan modification. I sent them documentation showing my hardship, they said I am not eligible. 
I tried to pay mothly payments in may - THEY SENT EVERY payment back and said, dont pay until you can catch up the full balance owed! 
I have this shown in my back - debit to Nationstar and they send it back! 
now i am father behind than XXXX and they will not work with me at all.
Consumer complaint received 2024-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I requested the medication information from XXXX website. There is a person contact me via test massage on second day. He provide me a name, email for XXXX payment. After I sent money via XXXX, he ask me another fee charge by XXXX. Custom and give me another XXXX account information. I found it is scam. I contacted with my bank and send all the text massage information to my bank, my bank mentioned after research, they can not refund money to me.
Consumer complaint received 2023-10-10
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. (IL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$470.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00}