davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (FL)

XX/XX/XXXX - made my mortgage payment on XXXX XXXX website as I have done for past couple years. 
XXXX  -received notice in the mail from XXXX XXXX that loan had been sold to Planet Home Lending and no more payments could be made as of XX/XX/XXXXXXXX 
XX/XX/XXXXXXXX received a notice from Planet Home Lending that I failed to make my XXXX payment and was now late and needed to make XXXX and XXXX 's payments. Informed a XXXX late fee would be added on XX/XX/XXXXXXXX 
XX/XX/XXXX - checked my bank account and saw that despite making the payment on XXXX XXXX website on XX/XX/XXXX, they must have chosen not to process the payment. 
XX/XX/XXXX - went on Planet Home Lending and attempted to make XXXX & XXXX payments and was prevented from doing so, stating I was delinquent and could not pay on the website. 
XXXX  - contacted Planet Home Lending and spoke to customer service women who wanted me to give her my banking information over the phone. I refused, and requested to pay online, she said not possible because I was delinquent despite m explaining that really was not the case. She suggested I wire funds or mail a check, which I would not do for multiple reasons. I asked if they were going to report me late to the credit bureaus and she said not for at least 60 days and that they don't charge late fees for the same 60 days due to RESPA. When I asked her why than does it clearly state they were going to charge XXXX if payment not received before XX/XX/XXXX she had no answer. Both XXXX XXXX and Planet Home Lending have inodiated me with mailers and calls trying to get us to refinance our home or take cash out, neither of which we need or want. We have an interest rate for 30 years of 2.25 % and the harassment never ends. I believe this latest stunt is just another way of trying to trick us into refinancing or taking cash out. 
XX/XX/XXXX - I paid through online XXXX XXXX through my bank tonight so I had proof of payments.
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (LA)

Caine & Weiner is attempting to collect a debt that is not valid. I have requested proof on XX/XX/XXXX in writing. I also disputed the account on my credit report. I requested a validation of debt along with requesting supporting documents binding me to a contract with them that they failed to provide. Instead they sent a verification of the debt letter on XX/XX/XXXX when I clearly asked for a Validation of Debt. They did not provide me the information requested and I demand the account be permanently removed from my credit report.
Consumer complaint received 2020-10-09
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. (LA)

On my Transunion and XXXX credit report. I never authorized XXXX credit inquiries by XXXX services in XXXX of XXXX. There should not be XXXX credit inquiries by eXXXX mtg services within a 5 day window. Remove all XXXX of those inquires as there was never anything signed by me that proves that I signed any paperwork that states that I authorized XXXX inquiries by XXXX mortgage services. I never signed anything to authorize such usage of my credit. 

Also Every account by XXXX and XXXX should be completely updated to reflect there was never a time a late payment occurred in XXXX. I request that XXXX  provide documentation of a deferment and/or forbearance which was not justified ; in that all requirements were met that deferment or forbearance was applicable in my case for the FULL YEAR OF XXXX. XXXX and XXXX needs to provide the documentation of income and every single source that states I was not eligible for those programsat that time. XXXX sure that they prove that all documentation is completely accurate that a forbearance and/or deferment was not applicable at that time. Lawsuits are currently pending against XXXX and XXXX for not sending proper information to all XXXX bureaus.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (RI)

I utilized Lexington Law Firm for credit repair services from XX/XX/XXXX to XX/XX/XXXX. During this time it was expected that they remove all negative credit factors from my account. They failed to do so to a satisfactory degree. 

The company violated the Dodd-Frank Wall Street Reform and Consumer Financial Protection Acts prohibition on deceptive acts and practices in the marketing and promotion of its services. The company also allegedly violated the Telemarketing Sales Rule by charging illegal advance fees and making deceptive statements. 

Under the law collecting fees for credit repair services is illegitimate until certain conditions are met around the delivery of services. The company charged a variety of fees for its services before demonstrating that the promised results had been achieved as required by law. Specifically, the company charged initial fees and also charged set-up fees totaling hundreds of dollars in monthly fees. 

Additionally by the law, the company misrepresented that its credit repair services would, or likely would, result in the removal of negative entries on consumers credit reports. The company also misrepresented to customers that its credit repair services would, or likely would, result in a substantial increase to consumers credit scores. The company lacked a reasonable basis for making these claims.
Consumer complaint received 2020-10-09
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. (NV)

I have noticed that there are accounts on my credit report that don't belong to me. I am not a credit repair company, and I have provided my personal documents to you. Please investigate these accounts and remove them when completed. Thank you.
Consumer complaint received 2022-09-27
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)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/XXXX, ve already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$23.00}
Consumer complaint received 2022-11-19
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. (NY)

I do not recognize this credit XXXX account on my report. Its not my account. I believe this account is fraudulent. I disputed this with the credit bureaus and they verified it as accurate..
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (IL)

I have been a customer of Navy Federal Bank for several months now. I have been attempting to build my relationship with them by opening different products they offer. I now have a checkings, savings, and cashRewards credit card with them. I've made several large deposits since account openings and planned to set up direct deposit, open a pledge loan, and consider them for a mortgage and vehicle loan to further the relationship. However, this desire has come to an end now that I have witnessed twice Navy Federal not abiding by the account contract regarding " zero  fraud liability ''. 

Problem : There were two instances reported thoroughly to Navy Federal by me notating a total of 3 transactions I did not authorize. The first instance involved 2 transactions back to back for a total of {$690.00} during a time I was in the hospital over 50 miles away from the location the purchases happened. I reported these transactions to the bank and IN LESS THAN 24 HOURS, a decision was made that " no billing error occurred ''. THERE IS ABSOLUTELY NO WAY A THOROUGH INVESTIGATION OCCURRED IN LESS THAN 24 HOURS. The merchant couldn't have even been contacted in this amount of time. This frustrated and inconvenienced me considering I had to go through an appeal process to dispute the charges again so to keep the relationship alive, I decided to continue building a relationship with the company despite not following their contract. This then happened once again for a purchase made of {$960.00}. Again, in less than 24 hours of reporting the charges to Navy Federal, they responded with a final decision that no billing error occurred. I have now been held responsible for all of these transactions, my account has gone negative because of it, and I feel completely discriminated against based on my zip code and no adequate time allotted for a thorough investigation.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a repossession from XXXX XXXX XXXX on my credit report 7 separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their PHYSICAL POSSESSION on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked to NOT merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

To be clear, I am NOT disputing nor am I looking for validation of the repossession. I AM REQUESTING PHYSICAL DOCUMENTS. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the repossession, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the repossession be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Consumer complaint received 2020-10-09
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. (LA)

On my XXXX  and Experian credit report. I never authorized 3 credit inquiries by XXXX  services in XXXX of XXXX. There should not be 3 credit inquiries by XXXX mtg services within a 5 day window. Remove all 3 of those inquires as there was never anything signed by me that proves that I signed any paperwork that states that I authorized  3 inquiries by XXXX mortgage services. I never signed anything to authorize such usage of my credit. 

Also Every account by XXXX and XXXX should be completely updated to reflect there was never a time a late payment occurred in XXXX. I request that XXXX  provide documentation of a deferment and/or forbearance which was not justified ; in that all requirements were met that deferment or forbearance was applicable in my case for the FULL YEAR OF XXXX. XXXX and XXXX needs to provide the documentation of income and every single source that states I was not eligible for those programsat that time. Make sure that they prove that all documentation is completely accurate that a forbearance and/or deferment was not applicable at that time. Lawsuits are currently pending against XXXX and XXXX for not sending proper information to all 3 bureaus.
Consumer complaint received 2021-08-07
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. (MN)

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge these unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 
I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this.
Consumer complaint received 2020-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I had an unauthorized transaction from my PayPal account for {$80.00}. I initiated a dispute resolution with PayPal but they rejected my claim stating that the payment appears authorized. It was not. I don't know the payee and did not make the payment. I have only had the PayPal account open for a few weeks. Each transaction I have made has generated an email to me informing me of the transaction. I received no email for this transaction and only noticed when I looked onto PayPal.
Consumer complaint received 2022-07-02
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. (PA)

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-07-08
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. (OH)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I received a call from Chase Bank confirming a credit card account opened under my name and with my personal information. In which I NEVER opened so I confirmed with them that it was not me! The representative closed the account but suggested I call the Credit Bureau to report the fraud, in which I did. They were able to add a fraud protection on my account and have formulated a dispute with the company, in which I am waiting to hear back from. And now I am formulating a complaint here to ensure my information is safe. I have been subject to identify theft and taking action to help secure my information!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-12-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

Im reaching out to file a serious complaint about Fair Collections & Outsourcing , Inc. ( FCO ), which has placed a fraudulent collection account on my credit report. This alleged debt is completely inaccurate and has caused me significant harm, both financially and emotionally.

I have never done any business with FCO or agreed to any debt collection arrangement with them. I have no knowledge of the alleged debt they claim I owe, yet FCO has reported this to the credit bureaus, damaging my credit report and creating unnecessary complications in my financial life.

Heres what Ive done to try to resolve this issue : Disputed the debt : I filed disputes with the credit reporting agencies.

Filing this complaint : After exhausting other options, Im asking for your assistance in holding FCO accountable.

I urge the CFPB to investigate this matter thoroughly and require FCO to : Provide concrete proof that this debt is valid, including any signed contract or agreement linking me to it.

Show clear evidence that the debt was assigned or sold to them and that I agreed to pay them directly.

Provide complete account statements showing how the alleged balance was calculated.

Immediately remove this false information from all credit reporting agencies. 

How This Has Affected Me : This fraudulent report has damaged my creditworthiness, preventing me from securing loans and financial opportunities. It has caused unnecessary stress, frustration, and a loss of trust in the accuracy of my credit report. 

Key Information : Alleged Creditor : XXXX XXXX XXXX XXXX Collection Agency : Fair Collections & Outsourcing , Inc . 
Collection Account Number : XXXX I kindly request that you address this matter promptly and take the necessary steps to ensure that FCO is held accountable. My financial and emotional well-being depends on the resolution of this issue.

Thank you for your attention. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-19
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. 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 XXXXXXXX, 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.