davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (VA)

I have requested information on the debt from this company from XX/XX/2023- XX/XX/2023. They have not sent me any information regarding the debt. I have sent them letters and letters to the credit bureaus requesting information. They sent whatever they sent to the 3 and have not received one document from them.

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service because of this, I have faced financial hardship and its been hard for me to purchase a home with this unverified debt on my report. This agency has also not made an update from XX/XX/2023 and can not verify the debt.
Consumer complaint received 2021-01-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A bankruptcy appears on my credit report that was not verified. 

I mailed a letter to Transunion on XX/XX/XXXX inquiring about this line item. 

I received a letter from Transunion dated on XX/XX/XXXX indicating that the bankruptcy was mine and verified. 

I mailed another letter to Transunion onXXXX requesting that per FCRA Transunion provide the source - name, address and phone number that verified this information. 

I received a letter from Transunion dated XX/XX/XXXX identifying the USBK Court of XXXX Georgia as the source that verified the information. 

I mailed a letter to Transunion ( certified mail ) on XX/XX/XXXX a copy of a letter received from USBK Court of XXXX Georgia reflecting that they do NOT verify bankruptcies. Therefore, Transunions claim that they verified the bankruptcy with the court per their letter dated XX/XX/XXXX was false and a bankruptcy was unjustly placed on my credit report without going through the proper channels in verifying. 

On XX/XX/XXXX - I contacted Transunion and spoke with XXXX ( ref - XXXX ). He advised that I needed to open yet another dispute online. When I opened the dispute online, it did not allow me to upload documents. A certified letter was mailed to Transunion with a copy of the letter received from the USBK Court of XXXX Georgia. 

On XX/XX/XXXX, I received a letter from Transunion indicating the bankruptcy was verified. Again, it was not verified by the USBK Court of XXXX Georgia that Transunion cited as their source. 

On XX/XX/XXXX, I contacted Transunion by phone and spoke with XXXX - she was unable to assist as she could only read notes in the system. I was transferred to XXXX and then a rude supervisor XXXX. Both XXXX and XXXX indicated a third party verified the information. However, the written letter received from Transunion dated XX/XX/XXXX did not mention a third party. Transunion cited the USBK Court of XXXX Georgia as their source. 

At this time, I know that the bankruptcy reported on my credit report was not verified. The FCRA legislation was enacted to promote the ACCURACY and fairness of consumer information. How can something be deemed accurate if it was not verified as proven?
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

There are several items that are reporting inaccurately on my credit file.The following are inaccurate information : Inaccurate Personal Information : Address : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX The following items are reporting inaccurate lates on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$230.00} ; I was never 30, 60, 0r 90 days late. 

XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$0.00} ; I was never 30 or 60 days late. 

XXXX XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  & Equifax ) ;  Bal : {$0.00} ; I was never 30 or 60 days late The following Public Record does not belong to me. The following Public record is reporting in error : Chapter XXXX Bankruptcy : File XX/XX/XXXX All of the inquiries that is reporting is reporting as unauthorized inquiries. I don't know who tried to access my credit report without my knowledge.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My husband died XX/XX/2022. I was mistakenly reported as deceased, apparently when my husband was appropriately reported deceased on XX/XX/2022 by XXXX XXXX XXXX. I was not aware until contacted by XXXX that my credit application was denied due to my being deceased. I have communicated with XXXX XXXX XXXX, as well as XXXX and Experian. 

I am attempting to further establish/augment credit in my own name. I have been denied credit cards by XXXX, denied continuation of our XXXX XXXX cards, and by XXXX  XXXX XXXX. My FICO score today is XXXX, but assume adversely affected when applications have been denied. I have understood these declinations remain part of my report for 25 months. 

Thank you. XXXX XXXX XXXX
Consumer complaint received 2021-08-22
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. (IL)

Attached is a copy United states Bankruptcy Court explaining they do not report to any of the credit bureaus. So how are you verifiying this information if the source is saying they don't report to any credit bureaus. You are reporting inaccurate information according to the Fair credit reporting act 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

If any information is indeed inaccurate According to 15usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2020-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Yet again a case of the credit companys not following the rules and listing accounts on my credit profile when the account was remove and then placed back on my file without proof that it is even my account this needs to stop.
Consumer complaint received 2021-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I consolidated and have been paying my federal student loans to qualify for PSLF since XXXX of XXXX. With the payments I have made until now XX/XX/XXXX, I should qualify for loan forgiveness. I have been calling FedLoan servicing for many years to keep track of my payments and have requested inquiries regarding nonqualifying payments they have on record. I placed an official request for review XX/XX/XXXX while speaking with XXXX ID XXXX. I called again XX/XX/XXXX and received the same list of nonqualifying payments from XXXX XXXX. They said it was still under review. I requested my payment history to be sent to me, but they said they can not release it to me as it is under review. I am concerned that I will lose any hope of getting these records when FedLoan stops servicing student loans XX/XX/XXXX. 
Below is a list of payments they say are nonqualifying. 

Non qualifying payment XX/XX/XXXX to XX/XX/XXXX - 3 non qualifying payments because they say they dont have record of payment from Direct loans XXXX, XXXX to XX/XX/XXXX - 5 non qualifying payments because of a deferment/forbearance. I have no idea why I was placed on forebearance? 
XXXX, XXXX - 1 non qualifying payment for forbearance XXXX, XX/XX/XXXX I resigned my fellowship because of workplace harassment and was not employed full time for 2 months, but I continued to pay my IBR payment. 
XXXX, XXXX I was put on deferment when I switched from XXXX to Fedloans for qualify for PSLF. 
XX/XX/XXXX I had two week break between graduating fellowship and starting my new job. Payment was charged on XX/XX/XXXX and FedLoan said it didnt qualify.
Consumer complaint received 2020-12-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$570.00}, {$27000.00}, {$0.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is NO WAY Trans union, XXXX  or XXXX  can generate a factual timely up to date and correct credit score based on their method of operation.= a flawed fraudulent method by opinion of scores and reporting facts! As example- to get a Heloc loan a creditor must hold a XXXX score- HA Most Americans fall woefully short! What Credit Score Do I Need to Get a Home Equity Loan or HELOC? Your credit score is an important factor in qualifying for a home equity loan or HELOC. A FICO Score of at least XXXX gives you the best shot at qualifying for a home equity loan or line with good terms You may be able to qualify for a home equity loan or HELOC with a score between 660 and 700, but you will be charged a higher interest rate, and lenders may require that other financial factorssuch as your overall debtare in extra good shape. This agency is a culprit in that their recent report to me and my wife reflect an abundance of incorrect information. The fact they rely on the banks and lenders is by an opinion a biased incorrect and damaging approach. We are all being held hostage by them all by design or incompetence. To this statement anyone can apply the facts and truth as I have stated. To think the CFPB will act for the individal is also a misnomer and charade/
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Had a Mortgage with XXXX XXXX  XXXX XXXX XXXX and made my mortgage payment on XX/XX/2022. XXXX XXXX  had transferred the loan to Shellpoint Mortgage however when doing it XXXX XXXX  did not notify Shellpoint Mortgage regarding the XX/XX/2022 that I had made and therefore now Shellpoint mortgage is trying to collect from me the XXXX mortgage payment. Also, not all the accumulated escrow funds were transferred from XXXX XXXX  to Shellpoint mortgage
Consumer complaint received 2020-06-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VA)

Since XX/XX/XXXX, I have called Kia Finance every few days at different times to ask questions about my end of lease on XX/XX/XXXX. In addition, their automated system states I owe a payment for XX/XX/XXXX, however, I paid my last payment when I entered into the lease agreement. I need to talk to an agent to address these issues with my lease. 

Every time I call the number on the letter, Kia states that they have a high volume of calls and their phone system hangs up on me. This is ridiculous! How can a company be allowed to operate without proper staffing in place. It's understandable to have some issues but this is the same message for over a month. They should be fined at this point if they can not answer calls. How it is even legal for them not to be able to take a call from customers on their accounts? I call at different times of the day, every day of the week and can never get through, can not leave a message, and can not stay on hold as the phone system hangs up on me at XXXX XXXX  when they first open. How can they have a call volume right as they open at XXXX XXXX  that they can not handle and hang up on customers? How can I resolve account issues when I can not get through to anyone at Kia?
Consumer complaint received 2021-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (OH)

I obtained a car loan in XX/XX/XXXX for a XXXX XXXX with Wells Fargo XXXX XXXX. In the time since, I believe I missed 2 ( maybe 3 but I doubt it ) payments : once due to my bank account being frozen as someone fraudently withdrew several thousand dollars from my account. I always make a payment of $ XXXX {$270.00} every month but yet the balance on my loan never decreases. According to me, I should owe approximately {$2000.00}, if even that much. My credit report shows a continual balance of {$4400.00}!! I'd like to know what the actual balance is as I'll either pay the car off soon or refi with a much lower rate - my loan is at 11 % and my scores are now XXXX and XXXX so I could qualify for a much lower rate. I would appreciate any help that you can provide. I know this seems to be a common complaint regarding Wells Fargo 's loans. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southern Auto Finance Co (TX)

SAFCO has an auto account that is reporting on my credit report. They are reporting the full loan amount on my report instead of the deficiency balance. This information is incorrect. By law they are violating multiple sections of the FDCPA and FCRA. I have sent numerous letters for this to be rectified. SAFCO also they keep change and ballooning payments to add try and collect more money which is also a violation of the acts listed above. SAFCO failed to provide notice of repossessed vehicle being up for auction, notice of final sales amount of the auction ( with deficiency balance included ), they also failed to provide notice of how to recover the car during the repossession time period. They sold the vehicle and are trying to pawn the full balance of the loan plus interest on me. Law states that a deficiency balance notice must be provided. FCRA and FDCPA both state that if a debt is written off by a company through taxes, that legally the debt has been paid. I am requesting records of the charge-off loan balance that was written off, statement of vehicle sale through auction after repossession whether public or private, deficiency balance statement from the date of sale through auction proceedings. SAFCO will need to provide all documentation of the loan paperwork signed with dealer and alleged debtor, and items listed above for my attorney 's review. At this point, we are pursuing legal recourse for violation of the FCRA and FDCPA.
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NC)

Policy was paid in full in XX/XX/XXXX. 

Received notice from XXXX on XX/XX/XXXX that policy was past due. The letter noted it was going to be turned over to a collection agency. 

Called XXXX and they did an audit of my account. They mailed me a confirmation showing that the policy was paid in full, and that there was no balance due. 

On XX/XX/XXXX I received a letter from a Collection Agency ( Credit Collection Services ) stating that they are collecting on behalf of XXXX for the full balance of the policy, which was already paid.
Consumer complaint received 2020-12-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$570.00}, {$27000.00}, {$0.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2022-04-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.
Consumer complaint received 2021-08-22
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SUNRISE CREDIT SERVICES, INC (TN)

SunRise Credit Services there are about 15 people who call me & tell me that XXXX XXXX XXXX told them to collect what I owe XXXX XXXX XXXX. I spoke with my cable company, which they told me that they do not do that type of communication. When I went to my XXXX XXXX XXXX store I had the GM listen on speaker phone to the fraud woman, the GM corrected the SunRise woman & the woman hung up when busted by the actual XXXX XXXX XXXX cable company GM in California .... Why are these people not arrested, its the same group sitting in 1 small room around a table together.