davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (TX)

Due to the lack of urgency, Planet Home Lending LLC has failed the HOEPA law for home owners ' fees and late payment reporting. 

We will be contacting the CONSUMER FINANCIAL PROTECTION BUREAU, providing us another legal branch. 

We have volumes of emails, notes and proofs of payments with Planet Home Lending , LLC. 

Planet Home Lending 's predatory solution to moving from XXXX XXXX forbearance, to a COVID forbearance, is a substantial increase in a mortgage payment and no guarantee that Planet Home Lending , LLC is able to properly appropriate those mortgage payments. To reiterate, we were in the process of securing a refinance of our Planet Lending, LLC mortgage when AGAIN you negatively reported to the credit agencies! 

As an FHA mortgage holder we possess extra protection from your predatory actions ; we have MORE options for coming out of a forbearance that a standard mortgage holder. 

Law so states, Planet Home Lending , LLC has responsibilities to provide ALL options ; to correct ALL negative credit reporting ; AND to take-on the responsibility to track-down LOST PAYMENTS AND APPLY THEM TO OUR LOAN. Natter, R. ( n. d. ) Home Ownership Equity Protection Act of 1994. American Bar. 

We will be including in our report to the CONSUMER FINANCIAL PROTECTION BUREAU the lack of any response from you, XXXX XXXX, and the individuals that are involved in Planet Home Lending 's void offerings for solutions to LOST PAYMENTS, LOST ESCROW PAYMENTS, LYING ABOUT FORBEARANCE SOLUTIONS AND CONSISTENT INABILITY TO RESPOND TO OUR EFFORTS TO MOVE FORWARD. 

We are requesting, on behalf of the CONSUMER FINANCIAL PROTECTION BUREAU, ALL the phone call recordings relating to our loan. This is part of the discovery for the CONSUMER FINANCIAL PROTECTION BUREAU.
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (ID)

XX/XX/2021 XXXX XXXX XXXX of Washington amount {$140.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX {$99.00} These 2 companies have fraudulent collection accounts on my XXXX XXXX experian and XXXX rereports. Im reqiesting these 2 companies provide proof of these accounts with my legal wet signature
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NJ)

CCS collections has inserted an incorrect account across all three credit bureaus. This account was closed at my request by the creditor because it was taken out by my ex-husband, XXXX XXXX, while we were going through our divorce along with a car note that I took responsibility for. At that time I was in a XXXX facility with a XXXX XXXX XXXX XXXX XXXX. This policy that they are claiming was taken out by me was not and it has caused an extreme hardship to my family as we are in the midst of a mortgage approval. I offered to pay the company to remove this collection from my credit report because I figured it was the fastest option as I am in the midst of a mortgage approval that they have now caused to be denied. If this matter is not resolved and removed from my credit report I will file an FTC report along with retaining a consumer finance attorney seeking this company to cover the cost of my mortgage approval that was denied XX/XX/XXXX because of inaccurate credit reporting that has not been verified.
Consumer complaint received 2022-01-19
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)

i XXXX XXXX XXXX XXXX have reported fraud with the credit bureaus experian XXXX XXXX about my report and information on it. they will not help me with fighting these errors and accounts on my report and to clear them up/ they leave them the same status and will not delete them or change status meaning the accounts that have been paid are still showing derogatory status and hurting my credit score. child support on my credit file is fraudulent from the XXXX XXXX department of welfare. they frauduaently put XXXX XXXX  on my credit report from when my ex wife XXXX  my kids back in 2010 and since have continued to harass me and hinder me from getting any sort of loans or a house due to them lying and siding with my ex wife as well as them signing my name on court documents that is forgery and purgery in a court of law. they know this. ive asked them many times as well the bureaus to remove this as well as disputed it many times and they keep coming back with no change.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : *Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$810.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX {$550.00} XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX {$9000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$630.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} Date Opened : XX/XX/XXXX XXXX FUNDING ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX ) XXXX {$540.00} *Charge Off : XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BAM Management US Holdings Inc. (NY)

On XX/XX/2021 I purchased crypto currency with USD in a total amount of {$220.00}. I still have not received the crytpo currency since that exchange was initiated. I promptly contacted support about the issue, but I still do not have a resolution and have also not heard back from them for months now. XX/XX/XXXX was the last time I have heard from them.
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Thomas Agency, Inc. (ME)

I underwent a XXXX XXXX on XX/XX/21. This was improperly coded and thus I was billed for the procedure. I contacted the hospital where the procedure was done and asked for it to be correctly billed. The XXXX billing company, XXXX XXXX XXXX XXXX sent a bill. I contacted them regarding the claim and asked that they resubmit with the correct information. I did this in writing by returning the bill that was sent with a note attached stating that XXXX was reviewing the corrected claim. Despite this I received a letter from " The Thomas Agency '' of XXXX ME dated XX/XX/21. The letter stated the account was with " us for collection. '' I promptly called the Thomas Agency and was told rather rudely that I would have to have XXXX XXXX XXXX XXXX rescind the collections request. I spoke with XXXX at XXXX on XX/XX/21 who said she would immediately send an email to The Thomas Agency rescinding the request for collections. Despite this action I received another letter from the Thomas Agency on XX/XX/21. I promptly called XXXX on XX/XX/21 and was told another email would be sent and followed up with a call to The Thomas Agency on XX/XX/21 once again stating XXXX had emailed them and the debt should have been rescinded. They reported that they still hadn't received any such communication from XXXX but were helpful enough to put the account on hold for 90 days. As a consumer I feel I have followed through on this erroneous medical bill and despite my best efforts am not having my credit protected. I hope this action involving the CFPB will help other patients not have the same situation occur. Patients need to have an advocate, beyond an appeal to their insurance company, for medical billing errors. Patients also need an advocate to turn to for assistance in navigating the multiple billing departments and collections agencies that do not have the patient 's best interest in mind. I appreciate your willingness to advocate for patients.
Consumer complaint received 2022-01-19
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. (CA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the timeallowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Below are the public record reporting on my Credit Report : ( XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX )
Consumer complaint received 2022-01-19
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. (ID)

XX/XX/2021 US XXXX XXXX of Washington amount {$140.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX amount {$99.00} These 2 companies have fraudulent collection accounts on my XXXX XXXX XXXX and transunion rereports. Im reqiesting these 2 companies provide proof of these accounts with my legal wet signature
Consumer complaint received 2022-01-19
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: EQUIFAX, INC. (NY)

Equifax is reporting XXXX accounts are open when the accounts are closed. These accounts are paid. The XXXX accounts have deducted XXXX points from my fico score. Equifax continues to report these accounts as derogatory and they are not which hinders my fico score from ever increasing and keeps it in a negative status. These accounts have been stuck with this sinceXX/XX/XXXX to present.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (AZ)

I want my idenity back and my chance at having a good credit history i been a victim of idenity theft since 2013 when i was released from the XXXX XXXX XXXX XXXX  i ve been used and tooking advantage of my chance at ever building or establishing credit i have never owned a bank account or had a credit card yet im banned and not allowed to have one they said i was red flagged the panademic happened i got sick with covid XXXX  the XXXX  strand and the XXXX  and i couldnt even recieve ui benfits or pua benefits because someone else claim my money ive filed fraud and idenity yet im still wrongfully being accused of all different kinds of emoloyment and benefits i never recieved im a single mother and i didnt finish high school but i did get my XXXX  in XXXX  i been asking for help and tryn to fix and dispute things on my file that are not mine i cant even get a annual credit report because they say my information doesnt match what am i suppose to do i ask and call write and send emails yet im still getting no where i was told i recieved XXXX in unemployment benefits where i wan na knw where and when i got this money im living in a XXXX XXXX  and been XXXX  since the panademic i hate that ive suffered so much due to negligence of the state and them not doing there proper investigation or even maken attempt to help me get down to the bottom of this i may not come from money and i do hve convictions on my background but that doesnt give anyone the right to take things that are or money or even using my ssn and name for anything i pay taxes like everyone else and should be treated equally to everyone else i paid my dues for my wrongs and i dont deserve to be put on hold because of it someone is using my idenity to work or to get money or take money if someone wants to pretend to b me then they should go do my time everytime i get in trouble just saying they ruined my life and i didnt understand how important it was to keep a credit history good or even knw how much a credit score could have a impact on my life til now ive never had a credit card or debit card from a bank but im red flagged from all banks im not the smartest but i knw that this is not ok please help me fix this
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Corp Solutions Inc. (CA)

I was contact by Credit Corp stating they are handling a debt owed to XXXX and the name on the account is XXXX XXXX. I have a XXXX account, but it is linked to my personal bank card as I have never applied for credit through XXXX. i contacted XXXX and they stated my account is good standing. I informed Credit Corp and I asked them to provide any information they have to substantiate who the debt belongs to. To date they have failed to provide any additional information regarding the debt. I have sent them two emails, one included an Affidavit of Fraud, I have called them twice to obtain additional information but they have not providing any documentation to substantiate the debt. I have requested they stop contacting me. I conducted a XXXX search and there are 49 individuals in California with the same name. I believe someone with a similar name opened the account or used may name to open the account. I have express this to Credit Corp but they do not seem to care. They are continuing to harass me everyday and have not provided any additional information. I want them to stop contacting me.
Consumer complaint received 2021-11-26
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: NAVY FEDERAL CREDIT UNION (TX)

As a federally Protected civilian/consumer/natural person I DEMAND these accounts be removed! The information listed, which appears on my credit report, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to XXXX U.S. code XXXX ( XXXX ), XXXX U.S. code XXXX ( a ), XXXX U.S. code XXXX ( XXXX ) ( XXXX ) ( XXXX ), XXXX U.S. code XXXX ( a ) for helping to facilitate entities/companies to commit fraud. 

You/reporting agency are also in violation pursuant to XXXX U.S. code XXXX for sharing/communicating my private civilian/consumer/natural person file to other unknown entities without my consent. If this is not resolved Within XXXXdays of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under XXXX U.S. code XXXX for damages.
Consumer complaint received 2021-10-20
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. (TX)

I am a XXXX yrs military XXXX veteran. The credit bureaus have violated my right as a consumer under the FCRA Act. I have been trying to work with the credit bureaus to remove unauthorized credit inquiries that doesn't belongs to me. I have sent certified mail on numerous times. All I get back is the investigations resulted as " Updated and Factual ''. What does this means? I have for a copy of signed documents that I haver authorized these inquires. Can you please ask the credit bureaus to show the proof or delete the inquiries. This has been dragging on way too long. 
These inquires are in question. 
XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX 1. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX 3. XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-04-22
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. (GA)

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. 

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


15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.al inalienable rights reserved.
Consumer complaint received 2022-04-22
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. (AL)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-11-15
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. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I opened a account with bank of america in XXXX and i closed the account on my behalf on good terms. if you look at the account i made all on time payments until i closed the account. I went to bank of america in person to close my account and the agent cut my card and i thought i was done. turns out the agent never cancelled the account and they charged me a XXXX fee i called and they said it was there fault and they officially closed it but without fixing my credit report. i called in XXXX to fix it and they said they fixed it but ended up using it as a charge off as if i did something wrong.
Consumer complaint received 2022-07-14
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. (GA)

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