davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MI)

Ive reached out to 2 reps at XXXX to go over what was sent to collections and why. They have no record of the {$150.00} bill that was not paid. They dont even know where that figure came from as my account has no late payments and is in good standing with their Property and Auto division.

Ive contacted my credit union for anything I may have missed as I pay auto insurance with my accounts with them sand Ive checked with my mortgage company as I pay escrows thru my mortgage payment monthly and my payments to XXXX thru them are up to date as well. 

So CCS Collections has reported a fraudulent collections on my account. Not only that, Ive checked mail, email and my online accounts associated with a potential collection and there is nothing. Not even a phone call. {$150.00} is such a small amount and can be paid today, but there was no record or notification and again, the original creditor has no account of me owing any money, theyve never reached out saying I owed any money, and they never mentioned a CCS Collections Looking at their reviews, it seems as if this is a common practice. 

I work heavily with credit repair clients, Im licensed in multiple facets within finance, real estate and property management and everything about CCSs process is fishy. 

I will be going thru this company thoroughly on my end and if I can get together a class action lawsuit I will
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Reported : XX/XX/2023 {$860.00} Outstanding XXXX XXXX XXXX Reported : XX/XX/2023 {$810.00} Outstanding XXXX XXXX XXXX  Reported : XX/XX/2023 {$810.00} XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/2023 {$320.00} Outstanding XXXX XXXX XXXX Reported : XX/XX/2023 {$210.00} Outstanding XXXX XXXX XXXX Reported : XX/XX/2023 {$100.00}
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (MO)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NY)

Im currently working with a financial advisor in order to repair my credit. I saved up for months to be able to pay the debt and was under the impression it was already removed from my credit report considering I no longer owe them with that said the account is still reporting on my credit report and affecting me negatively despite all of my efforts.
Consumer complaint received 2023-05-27
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 Stated that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-25
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. (VA)

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LDF Holdings, LLC (NJ)

After my initial payment for a XXXX month loan an XXXX withdrawal for an XXXX months balance was initiated for the XXXX payment leaving a balance of {$28.00}. Upon calling Lendumo I was informed an online request was made to change my password and request the payment. This was stopped and Lendumo could not tell me the XXXX  address and I must receive a phone text with access code to access the account. I would like the FTC to investigate these practices.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (FL)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Consumer complaint received 2023-05-27
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: American First Finance, Inc. (NC)

XXXX collections are refusing to remove accounts from my credit report. I'm currently on the phone in regards to this matter with the agent/supervisor. This is damaging my reputation which is a violation pursuant to the FCRA. I've applied for credit and was denied due to this, I also have a right to privacy and theyre willingly and knowingly reporting inaccurate information on my credit file. I also never gave this company my written permission to furnish on my credit file. They have stated that theyre not required to provide a consumer with a validation of debt, and that a verification of debt is all theyre required to do. I'm disputing this account on those grounds. I do not validate this debt at all, so how can they validate?. They can not, so i'm requesting for these alleged accounts to be removed from my credit file immediately.
Consumer complaint received 2023-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

I rec 'd a voicemail on XXXX from XXXX XXXX, pH. XXXX XXXX He said he was with Rdac, which is the name revealed on my caller ID. 
I XXXX the pH. # ; it showed debt collections. 
I have not attempted to contact XXXX XXXX. I am afraid this is a scam. 
I have no outstanding debt at this time that I am aware of. I have not received any written notification of any company to that effect. I have never heard of Rdac.
Consumer complaint received 2023-05-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC (TX)

This apartment complex is claiming not only that I lived there, but that I broke a lease with them and owe them money. They have illegally obtained a third-party collection agency to destroy my credit and collect on a debt that I do not owe. This collection agency has furnished no proof that this is a valid debt, nor that this debt is mine. I am demanding that this apartment complex retract all erroneous attempts to collect on the false alleged debt immediately.
Consumer complaint received 2023-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

My regular scheduled mortgage payment is {$1400.00}. The mortgage servicer 's policy is that you can make extra payments by increasing the amount of money deducted from my checking account each month. I pay {$3500.00} every month with the intent of paying my interest, escrow, and the balance going toward principal. In XXXX, my payment was broken down as : interest - {$140.00}, escrow- {$830.00}, principal {$2500.00}. That's proper and how it should work. 
In the month of XXXX, someone at Newrez deleted the extra principal payment and instead applied it as a double monthly payment. The payment breakdown for XXXX ended up as interest - {$270.00}, escrow- {$1600.00}, principal {$1500.00}. 
For some reason after this unexplained " transaction '', someone went into my account on XX/XX/XXXX and deleted {$1700.00} from my principal balance which increased my principal from {$59000.00} up to {$61000.00}. 
Last year for the entire year, the escrow on my mortgage account paid out a total of {$7300.00} - that's taxes, home owner insurance... everything. After 4 months so far this year, Newrez has applied {$4100.00} towards escrow instead of properly applying it towards the principal. At this rate, they're going to put {$12000.00} into my escrow account to pay {$7300.00} in taxes and insurance instead of applying it towards the principal. 
I've sent two " secure messages '' on their website and on XX/XX/XXXX I called and talked to a customer service rep for over 9 minutes who assured me that she was going to fix these problems. I haven't received any response to the secure messages. 
All of the payments from XXXX have posted and cleared the account, but the issues from XXXX are still hanging over the account and have been unresolved. I'm simply trying to pay off my mortgage early since I retire in less than 6 years, and don't feel like my issues with the mortgage servicer should be ignored. Any suggestions on how or what I can do to get this resolved?
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (KS)

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 XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2023 while at work, I got a few alert emails indicating charges over {$100.00} were being processed. After looking on my account, almost {$1000.00} was spent at two different cities in the area while I was sitting at my desk. I immediately called Huntington, and the agent closed my debit card, said they would send a new one in 3-5 business days. Upon leaving work, I found out that someone got into my car the previous evening and took my card. On XX/XX/2023, the money that was spent by someone else, was credited back into my account. I waited on the debit card to come in the mail, and it never did, so I called Huntington again on XX/XX/XXXX. They told me the address I gave them wasnt good and the card was sent back and destroyed. The address I have is my permanent address, it NEVER came. They have since sent another which I am still waiting on. Today, XX/XX/2023 I had a notification from Huntington that there was a message on the account. Once I opened that, it had a notice of insufficient funds on it showing that the original reversal back into my account on XX/XX/XXXX was taken out of my account. I never received a letter that the investigation was complete and theyd be taking that money back. Charges include : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX Totaling XXXX in charges I didnt use.
Consumer complaint received 2023-04-11
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. (MI)

This is my 10th endeavor to tell you that I am a victim of identity theft 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Reference # : XXXX Date Filed : XX/XX/XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 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 2022-11-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

The original lease was created in the State of Louisiana on XX/XX/XXXX. According to the Recovery Dept. with Toyota Financial the current amount owed is {$23000.00}. My original car note was {$480.00} per month but after taking a medical sabbaticle my wages changed and a decision to hire me again after ACT 715 was not reversed in XX/XX/XXXX. Therefore, future jobs consisted of day labor work beginning from XX/XX/XXXX to XX/XX/XXXX. I also am a caretaker for an immediate family member who is the spouse of a veteran. She is included as a co-borrorwer too. 

At the time the lease ended in XXXX I was making less money and working a day labor job with XXXX XXXX. XXXX insurance had terminated including all warranties in XX/XX/XXXX. I was not notified about this. I have tried to return the car without repairs and trade it in like is. I have not had luck with refinancing options either. The car is at a local mechanic shop waiting to be repaired. I had to cancel several Toyota Diagnostic Appointments due to cost to repair engine of {$3000.00} plus. 

The recovery department with Toyota Financial accepted small payments but the dealership would not trade the vehicle due to its condition. After taking it to a local Toyota Shop it was too expensive to repair. I then began to contact banks about a cure for refinancing and taking out small loan for repair. I have had no luck due to credit hx from disasters and low paying jobs. Still seeking a cure the refinancing options and because at the time the lease matured my income was too low.
Consumer complaint received 2023-05-27
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: Bread Financial Holdings, Inc. (AE)

In accordance with the Federal Credit Reporting Act XXXX  Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 1. This account resulted due to identity theft. XXXX  XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (IL)

hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$430.00}, XXXX  XXXX XXXX XXXX : {$81.00}