davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (OH)

I have sent a certified letter to XXXX, XXXX and Credit Collection Services requesting debt validation and requesting that XXXX and XXXX remove account becuase it didnt contain a status change. The reporting account says collections and has a past due balance which is illegal. XXXX and XXXX never responded within the 30 days and Credit Collections Services responded with a one page letter. I requested orginal contract payment history wet signature and proof of debt assignment and none of those requested items were sent. Also Credit Collections Services is not licensed to operate in the state of Ohio.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2023-03-16
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: Resurgent Capital Services L.P. (IN)

In accordance with the fair credit reporting act, this creditors have violated my right.

15 U.S.C. 1681 Section 602 states that : I have the right to PRIVACY.

15 U.S.C. 1681 604 A Section 2 states that : Consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681 1666B states : 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 2020-09-30
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. (NJ)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from 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, US DEPT ED, US DEPT ED, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. ''
Consumer complaint received 2020-09-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (PA)

Dear, I usually make payment on time. I made XXXX payment on time by online, and at that time their website had system problem. My payment was not processed correctly. I found this matter later, and they already reported credit bureau about that payment.
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I asked the 3 major credit bureaus to do a thorough investigation of all the information on my credit report for completeness, accuracy and inconsistency ; I also asked to provide proof of accuracy for such and copy of an updated report within 30 days of receiving my request. 

XXXX and transunion, provided a copy of my report past the 30 days and stated that everything was accurate. I did a through research myself after receiving the reports and still found improper, inaccurate and missing information in my credit reports. XXXX has still not responded to my request or sent an updated credit report, I also did a through research myself and still found improper, inaccurate and missing information in my credit report past 30 days of my request. 

None of the 3 credit bureaus provided documentation with proof of these changes within 30 days and my credit bureaus are is still reporting inaccurate, inconsistent and missing information. 

As per 15 U.S.C 1681i ( a ) ( 1 ) - Procedure in case of disputed accuracy, my rights have been violated. 

In accordance with the Fair Credit Reporting, the following accounts have violated my rights among other inaccurate information such as name and address update. 

XXXXXXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request to please follow up with the credit bureaus about this important matter.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CNG HOLDINGS INC (AR)

Transaction ID # XXXX, XXXX, on my XXXX Debit Card with 2 other transactions from XXXX and XXXX all taking money from my Account beyond what was agreed upon in the lease of a stove, in fact Why Not Lease It has overcharged me over {$1100.00} beyond the {$670.00} payoff price agreed upon in the lease contract. They refuse to give me a refund or cancel the auto- payment transaction on my debit card.
Consumer complaint received 2023-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

For more than a year I have been trying to get current on an alleged missed mortgage payment with Mr. Cooper. For more than a year I have followed their instructions and directions to get current and now that the account is technically current Mr. Cooper is unwilling to do what is necessary to resolve the delinquency. 

In response to the letter received by Mr. Cooper dated XX/XX/2023 RE : Funds Received Suspense Notice : I have performed my due diligence and I have paid the outstanding balance in full. The outstanding balance that Mr. Cooper is looking for, by their own admission, has been split between surplus escrow and unapplied funds accounts, which has been disbursed by Mr. Cooper as they deem appropriate to their monetary advantage not the clients. The money in these accounts is my money, not Mr. Coopers. However, Mr. Cooper decides how and where to distribute funds while trying to make a profit off of my distressed situation. I have done my due diligence per the direction and information provided by Mr. Cooper and Mr. Cooper alone has the ability to bring my account current with my money that I put into the account but refuses and is unwilling to do so and instead is attempting to collect frivolous fees while sending threatening letters of foreclosure to a XXXX an XXXX Veteran. This is predatory and it is being practiced on those less fortunate with the least number of resources to fend for themselves. 

As of XX/XX/2023 according to Mr. Cooper in the letter sent XX/XX/2023 RE : Funds Received Suspense Notice the total balance required to bring the account current is : {$3100.00} : That has increased {$120.00} since XX/XX/2023 As of this date XX/XX/2023 the Unapplied Balance is currently : {$1500.00} As of this date XX/XX/2023 the Escrow Balance is currently {$2900.00} As of this date XX/XX/2023 the total balance in the Unapplied and Escrow accounts total : {$4500.00} To bring account current it being requested that Mr. Cooper reconcile the account. 
o Total Balance Owed : {$3100.00} {$1500.00} [ Unapplied Bal ] = {$1600.00} remaining to bring account current it would be prudent if Mr. Cooper recover remaining balance from the Escrow Account o Escrow Balance {$2900.00} - {$1600.00} [ Remaining total from above ] = {$1300.00} reaming in Escrow Account The remain above balance is more than enough to maintain Escrow Account Minimum. 

I am in the situation because I trusted and followed Mr. Cooper instructions, it is upon Mr. Cooper to correct this. 

MR. COOPER HAS THE MONEY DO THE RIGHT THING.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

At XXXXXXXX XXXX I picked up a phone call from XXXX ( XXXX ) XXXX. The lady said someone used my identity on a bank account doing some crime activity. If I do not coordinate then I will need to go into jail. Then the lady provided website to prove her number is legit. Then another guy called with XXXX police number XXXX and threaten me and sent me Arrest Warrant. I had no choise but follow the instruction to avoid the arrest. I went to XXXX and XXXX to buy 16 gift cards in total of {$7900.00} worth. They asked me to send it over to them by phone. Then they gather my information then tell me to send them more gi card. Around XXXX I realized I need to make sure if those people are legit so I called my work superoir to help me call XXXX police. Then the police officer told me to stop talk to them and called me. 

First action I did is to call my credit card company ( American Express ) to cancel the payment but they are not able to even I was the victim who got scanned.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My XXXXXXXX XXXX  XXXX account was closed by XXXX XXXX, due to the fact that XXXXXXXX XXXX XXXXXXXX is no longer in business. This cause my credit score to drop. I has not be penalized for the company going out of business especially seeing that my account was always in good standing.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

Dear Sir or Madam ; I am a victim of Identity Theft. the Information Listed Below, which appears on my credit Report Does not relate to any transactions that I have made.it is the result of Identity theft. Please Block this Information from my credit Report pursuant to section 605B of  the fair credit Reporting Act and send the Required notifications to all Furnisher of this information. Enclosed are the following ; XXXX XXXX state of Maryland ; Original filling Date XX/XX/2015 2015
Consumer complaint received 2020-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was contacted by an individual by the name of XXXX XXXX via phone about the purchase of a vehicle. He sent me photos of the car and stated I would need to send a total of {$1000.00} for a deposit of the vehicle and then pay an additional {$1000.00} to complete the purchase of the car. I sent him a total {$840.00} on XX/XX/2020 via XXXX from my bank at Bank of America. I then sent the {$200.00} remainder of the deposit on XX/XX/2020 via XXXX again. XXXX stated he would hand over the car on XX/XX/2020. In which, he never showed up and never brought the vehicle that I had already paid the deposit for. He also stopped all further contact with me and blocked my phone number. I then realized I was scammed out of my money and of the potential car. To my surprise after researching XXXX, I found previous records that he is a felon and huge fraudster/scammer. He is in gang with 23 other individuals that sell stolen vehicles and scam individuals by never actually give them the cars such as myself. He has been to jail multiple times across the country for theft and related charges. I called Bank of America on XX/XX/2020 and let them know my entire situation and that I wanted to file a dispute of the transaction since I was a victim of the car scam in order to receive my {$1000.00} back. The representative at Bank Of America told me they would conduct an investigation, reach out to the bank XXXX has, and ask them to send the money back. After 20-30 days I called Bank of America back and they told me they denied my claim and I can not appeal any XXXX transactions that have already been denied. I was completely shocked and was told my next only option would be to file a complaint with www.ic3.gov and there there is no other help Bank of America can offer me to retrieve my money that I was scammed. I contacted the XXXX County police and filed a police report for theft or services against XXXX as well as a ticket on www.ic3.gov. The police are still looking for XXXX to arrest him but advised that I communicate with the bank on how I can retrieve the stolen funds. I was finally referred to submit this complaint on here to the CFPB as of today on XX/XX/2020.
Consumer complaint received 2023-06-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Debt Co LLC (WI)

XX/XX/XXXX I received a scam letter about some fake debt in the amount of XXXX. 

The " company '' is listed on the envelope as : Debt Co LLC XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX They said the date of the fake debt was XXXX XXXX, XXXX  I called the number and told them I had no familiarity with " XXXX XXXX '' the owner of the supposed debt. They told me I filled out an online application. They had my bank and social sec. number which is alarming. 
The email that the lending company gave me - XXXX and the address connected to the email XXXX XXXX XXXX XXXX XXXX XXXX ( I have no connection to that email and I doubt the address exists. Having lived in XXXX for over three decades, I've never heard of it. 
Please help shut down these scammers. Thank you.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

So I hada car loan with XXXX and paid it on time for 4 years as a lease car and then turned it in and got another car. XXXX is saying that they billed me for a ding in the car of {$250.00} and I never got the bill and then reported me late. they said they called me 20 times but when i asked for the phone number they were calling, they had the wrong number it was one digit off from mine. So i never got any mail or calls regarding this. I had moved prior to all of this happening and then. I asked the car dealer XXXX for their records from the lease and they told me they dont keep records. 

There actions of the wrong number and wrong address caused my score to drop and my credit score went down. I am not happy
Consumer complaint received 2020-09-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Experian does not investigate disputes. They complete their " investigation '' within 24 hours. There is no number to talk with a representative. Their credit report includes NUMEROUS wrong names, wrong addresses for me, and in return false and inaccurate data. I have contacted them in regard to a dispute on my XXXX XXXX account which has been closed for many years. They do not fully investigate. They complete their investigations and does NOTHING to correct any mistakes or inaccuracies on my credit report..
Consumer complaint received 2020-09-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation (FL)

I reached out to Bridgecrest Financial in regards to an auto loan that was charged off and Bridgecrest Financial considered the debt a loss on their profit-and-loss statement in XX/XX/2018 to try and settle the account and they informed me that they do not take settlements and will not settle this debt. The account shows up on my credit reports as charged off as bad debt and reported as a loss by credit grantor for {$8600.00}. I do not understand why they will not take a settlement when they have already considered the account as a loss and wrote it off on their profit and loss statement.
Consumer complaint received 2024-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Schrier, Tolin and Wagman, LLC (VA)

XXXX XXXX XXXX XXXX XXXX and Schrier Tolin & Wagman , LLC had not sent the validation of debt within the required time since the date of which the debt validation was requested on, XX/XX/year>, approximately sending the validation letter more than XXXX days after, violating the fair debt collection practices act. Also going into litigation prior to validating the debt of which I had requested to verify beyond the time required for XXXX to verify.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

Accordingt to XXXX, In XX/XX/XXXX, I closed my CitiFinancial account with a XXXX balance. In XX/XX/XXXX CitiFinancial has me making four payments on this. In XXXX they show me making 12 more payments. In XXXX they have me showing over 180 days late and then the account shows closed. How and why would I make payments on an account that was already closed?
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (SC)

Starting XX/XX/2020 we contacted XXXX XXXX XXXX by phone in regards to having the private mortgage insurance ( PMI ) cancelled on our mortgage. They were extremely helpful and conveyed that Dovenmuehle was the company contracted to administer this program. On XX/XX/2020 we received a letter with information on how to proceed with this process. Included in this information from Dovenmuehle was a Fannie Mae " Borrower-Initiated MI Termination Evaluation Results '' sheet. On this sheet was listed a Property " As Is '' Value amount ( AVM ) for our property as of XX/XX/2020. This amount was listed as {$260000.00}. 
This is where the complaint starts, not with XXXX XXXX XXXX, but with Dovenmuehle. The AVM listed was the determining factor in proceeding. On XX/XX/2020 we sent our letter to Dovenmuehle along with our check for {$470.00} for BPO/Appraisal fees. An appraisal of our property was performed on XX/XX/2020. We received a letter dated XX/XX/2020 indicating our appraisal came in at {$240000.00} which did not meet their requirements. I contacted Dovenmuehle by phone questioning why the XXXX and appraisal were so different. No one could give me an answer and I was told they would start an order to the Special Loans Department and they would contact me. After two months we received a letter on XXXX XXXX, about appealing our appraisal. Detailed information on our property and information on three comparable properties was needed and must be returned within 30 days. We sent the requested information to Dovenmuehle Escrow Department on XX/XX/2020. After no communication from Dovenmuehle for six weeks I contacted them by phone on XX/XX/2020. The agent I talked with this time said that they had not received the requested information. I of course questioned this and after some time on hold she informed me that the packet of information ( over 20 pages ) had been located but no action had been taken. She started another new order and told me a review would be completed by XX/XX/2020 and we would be notified via mail shortly after that date. After receiving nothing from Dovenmuehle, I called today XX/XX/2020, the first agent checked my file and told me that no review was done due to the fact that the requested information was not received by their deadline and I would have to request another appraisal and resubmit the information. I immediately asked to speak with a Supervisor or Manager! The Supervisor reviewed my file and at first repeated the information and deadline debacle. She then checked again and did in fact acknowledge that the packet had been in Dovenmuehle possession since XXXX. She then said the only thing she could do was start another new order with special notations that the information was in fact timely. She the stated that it would be XX/XX/2020 before the review would be completed and we would be notified via mail of the results. She also said I could call back after the XXXX for a verbal response.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Security Credit Services, LLC (TX)

consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (TX)

This alleged has been reported and is not resolved, I need to know the verification method used on investigating this account. I provided all appropriate information on previous complaint. I would also like to inform you this account has been removed from XXXX and XXXX, so your improper investigation is concerning and by law all my information should be accurate amongst all reporting agencies. Again this is very stressful and causing harm to me and my family due to neglect on Experian part. 

Please provide all documents providing by furnisher and step you took to come to the inaccurate conclusion you have come to in regarding to this account. 

XXXX XXXX is the alleged account. 


Thank you for your assistance.