davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-09-15
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: Kimball, Tirey & St. John LLP (CA)

I previously mailed the attached letter below onXX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Contacted XXXX during the onset of the Covid-19 pandemic given the uncertainty that appeared ahead to arrange payment arrangements in advance.

The rep I spoke with advised that information was still being made available from higher ups so they were not sure what to do at this time other than mark the account accordingly that my desire to be covered for any available program and there would likely not be a payment for that specific month.

Furthermore I was advised to enroll in XXXX XXXX  a paid insurance feature offered by XXXX. I enrolled in the program on XXXX XX/XX/2020 I was advised that I would not be eligible until XXXX XX/XX/2020 as there was a 30 day vesting period. 

Prior to the processing of this claim which not only posted during the 30 day period of XX/XX/2020 and is clear as day pictured during the time I was allegedly 30 days late for XX/XX/2020z In XX/XX/2020 XXXX advised that they made a payment. A payment was made in the amount of {$120.00} on XXXX XX/XX/2020 prior to this payment by XXXX the account online as well as the app was reflecting XXXX payments due. This was after the XXXX XX/XX/2020 due date Then as time stamped and attached since they keep changing the dates to fit their position at XXXX on XXXX XX/XX/2020 I received correspondence again stating and confirming account is 100 % current which I could clearly see. I called in to confirm status of covid assistance and the rep advise me to pay {$7.00} in XXXX which you can clearly see pictured as well and then on XXXX XXXX screenshot XX/XX/XXXX again during the 30 day period they confirmed the arrangement in writing also stating very first payment {$7.00} after {$7.00} or 3 % greater of the two Never missed a payment now or ever if not fixed I will be filing lawsuit for certain you have cost me thousands and I will be seeking damages for my time and suffering
Consumer complaint received 2021-10-05
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. (NJ)

I Have contact the Bureaus several times in regards to my Credit Profile. There is a lot of inaccurate information on my credit profile and is hurting my ability to obtain any credit or to move forward in several aspects in my life. I have contacted them about the incorrect information pertaining to my name, address and the accounts that i disputed with them. I never received information back from XXXX Nor Equifax the only bureau that sent me a letter in regards to my dispute was XXXX which never provided support documentation to my claim stating how the account was verified. I feel as though my consumer privacy rights had been violated and taken advantage of, I need this fix.
Consumer complaint received 2023-01-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (PA)

within the past 6 months i have sent numerous certified, registered mail letters attempting to validate the debt. they will not answer any of the validation Questions they respond with letters threatening to seek a lawyer where I live to sue me without even validating the debt.
Consumer complaint received 2021-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TN)

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$95.00} Credit Card XXXX XXXX XX/XX/XXXX {$0.00} Credit Card XXXX XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2020-10-16
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. (AZ)

This a follow up from claim XXXX submitted on XX/XX/2020 I have included a copy of my license, social security card, utility bill, birth certificate to verify my identy and proven this complaint is being submitted my me XXXX XXXX On XX/XX/2020 I mailed in a dispute to Experian regarding a collection on my account from XXXX XXXX XXXX  on XX/XX/2020 experian complete their investigation and sent a copy of my credit report stating completed investigation of FCRA dispute consumer disagrees iteam was updated. On XX/XX/2020 I mailed in a letter requesting experians method of verification wich Is my right under FCRA 611 asking for all information provided by the creditor to be forwarded to me received a post card in the mail on XX/XX/2020 I received a copy of my credit report stating this iteam was updated from the process of your dispute on XX/XX/2020 I mailed in a letter requesting method of verification one last time I asked for names, telephone number, a copy of legal documents bearing my signature showing I have a  binding contract with the XXXX XXXX XXXX  agreeing to the exact amount claimed. In XX/XX/2020 I received a copy of my credit report they updated the balance from {$820.00} to {$1000.00} after the iteam has been on my credit file for over 5 years I have never received any information as requested from experian wich I have the right to under FCRA 611 experian is not doing their job and  investigating my disputes properly this is not the only account that includes false information regarding experian at this point experian is making up stuff I have been personally affected by experians negligence to properly verify information on my credit file I have lost out on numerous job housing and credit opportunities experian needs to be held accountable. On XX/XX/2020 I submitted a complaint to CFPB experian refused to investigate my claim stating they did not think it was me submitting my dispute.
Consumer complaint received 2022-07-04
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. (PA)

Good Evening, I'm reaching out to submit a complaint in regards to several accounts on my credit report and profile that I did not sign for given written instructions to be furnished on my profile nor report that I've d

isputed several times via certified mail. The dates I've disputed are as follows : XXXX XXXX XXXX. No action was taken by the credit bureaus. 

In accordance with the FCRA ( Fair Credit Reporting Act ) U S DEPT OF EDXXXX ACCT XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights of privacy and confidentially under 15 USC 1681.

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. Code 1681s2 - ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

Recently refinanced mortgage. Received letter from new servicer ( NewRez ) on XX/XX/2020 ( dated XX/XX/2020 ) that stated that we are in a Special Flood Hazard Zone and that we must obtain flood insurance in 45 days from the date of the letter ( XX/XX/2020 ). Our home is near a river ( 800ft ) bu

t is 100ft in elevation higher than the river. We have never been required to maintain flood insurance by any other lender. I looked at the FEMA website myself and it says we are Flood Zone X ( the lowest risk ). I called them the same day I received the letter and they informed
me that FEMA " recently updated their maps '' and that get their data from FEMA and it said we were in a high risk zone. They told me if I supplied information from FEMA showing that we were in a low-risk zone, they would remove the requirement. However they
said that I couldn't just simply send them a screenshot from the FEMA website, it had to be official.

I submitted a request to FEMA on XX/XX/XXXX, but was told it could take 45-60 days. I received a reminder letter from NewRez at the 60 day mark. I still had not heard back from FEMA so I started exploring options to obtain flood insurance, hoping I could get it refunded after. During my search, I found a firm called Second Chance Flood that can prepare flood reports using FEMA data. I paid them to do research and they provided a detailed report which included maps and FEMA form that showed I was in Flood Zone X.

I supplied this information to NewRez via Fax and Email on  XX/XX/XXXX. Today ( XX/XX/XXXX ), I received a letter from NewRez ( dated XX/XX/XXXX ) indicating they had purchased flood insurance on my behalf at a rate of $ XXXX/year. They reported to the insurance agency that I was in flood zone AE ( highest risk ). They completely ignored the information I provided and I'm not sure how to get them to resolve this.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

I have a problem with Capital One Quicksilver XXXX. I started out with a low credit limit. Over time, without my permission of knowledge, Capital one raised my credit limit and level until it became unmanageable to me. I had my payment set at XXXX dollars. Eventually the payment became more than the minimum. I did not notice this. I did not receive any notification whether by phone, email or text. I am not sure how long I have been getting dinged with XXXX dollar late charges but now I have an obscenely high interest rate, I'm struggling to pay this amount down and the interest alone is well over XXXX dollars per month. This type of predatory lending could happen to any person of any education level. This is especially difficult with the obscene interest rate combined with high levels of inflation in the economy. I am trapped. I really wish Capital One would have made an effort to reach out and ask for my permission to raise my credit limit AND let me know that my automated payments were no longer sufficient.
Consumer complaint received 2023-04-06
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: VYSTAR CREDIT UNION (FL)

VyStar has locked my checking and saving accounts with no explanation, email, letter or text notifying me as to why. I found this out when after doing my own research when making a monthly payment for my auto loan. I have been trying to make my payments online since XX/XX/23. When I transfer funds from checking/savings account I get a successful transfer ( took screen shots as proof ). When I log into my account it says {$0.00} payment due by XX/XX/23. However, no funds are being withdrawn and there is no payment being applied from my Vystar checking and savings account. I received no explanation, email, letter or text notifying me of this. I am under the impression that my payments are going through ( took screen shots of the successful message from Vystar of transfer ), yet behind the scenes its ailing in the transfer history log. I am being charged a late fee {$15.00} for this and have an adverse credit concern. This is not the first time they have done this to me. When I paid off my personal loan ( golf cart loan ) with a refinance, there was a {$23.00} balance. I sent a {$23.00} payment to satisfy the remaining balance this off multiple times. However, when I logged into my account it still said balance of {$23.00} but {$0.00} payment was due. Then they hit my credit with a 30 day late, but the following month the account shows paid off {$0.00} balance. But the late fee still shows on the credit. Vystar needs to have some accountability for this, better transparency and notifications sent to customers when there is an issue.
Consumer complaint received 2021-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (AL)

While out of state for graduate school, I experienced financial hardship due to the pandemic. Therefore, I entered into forbearance beginning XX/XX/XXXX. During the active forbearance period, Quicken Loans sent a company to my home to " secure '' it around XX/XX/XXXX. During this securement process, the company damaged my property. Now, Quicken Loans has made me financially responsible for almost {$3000.00} in fees related to the securement and takes no culpability for sending a company to my home that damaged my property. Additionally, they provided no explanation or receipts for how the fees were attained nor did they try to mitigate the financial burden.
Consumer complaint received 2021-05-10
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. (TX)

I have dispute with Experian and XXXX  multiple times the validity of the public record information they have been reporting For TX BKPT XXXX and TX BKPT XXXXXXXX. On XX/XX/21 I sent certified letter # XXXX XXXX XXXX XXXX XXXX ( USPS Tracking # ) to Experian and requested under FCRA 611 ( a ) ( 7 ) for a description of all validation methods for the above referenced public record information that is showing on my credit file. I have ONE bankruptcy and that is XXXX. I filed disputes with XXXX XXXX and as a result, they removed the information. The information shown in XXXX  is not mine. XXXX is reporting incorrect information about me. My phone # is tied to people who are not me! I sent the same request to XXXX ( XXXX XXXX XXXX XXXX XXXX postal tracking # ) on XXXXXX/XX/21 and I have not gotten a response.
Consumer complaint received 2021-01-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prince Parker & Associates (OR)

This company continues calling me looking for a XXXX XXXX, my name is XXXX XXXX and I have repeatedly told them this and to stop calling me as they have the wrong number and I owe no debt to them but they continue with the harassing phone calls and refuse to stop calling even though I ask them every single day to cease.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

My complaint is about our handling of our mortgage by PHH Mortgage XXXX XXXX  XXXX XXXX  XXXX, NJ XXXX. We closed on our mortgage in XXXX of this year with the first payment due XX/XX/XXXX. That first payment was debited from our bank account on XX/XX/XXXX and was paid to XXXX XXXX. The original mortgage was to XXXX XXXX, and I don't know if between XXXX and XXXX it was sold to this XXXX or not. My next correspondence was to PHH Mortgage who I set up an autopayment to begin on XX/XX/XXXX from our account at XXXX. I saw on my account page on PHH that the payment for XXXX was not showing. I called them in early XXXX and was told that they were investigating and for me not to worry. Obviously they were not investigating very hard because when I did not hear back, I contacted XXXX and they told me they had sent that payment to PHH and provided me with the XXXX tracking number that showed it was received and signed for on XX/XX/XXXX at PHH. I contacted PHH and gave them this information along with a copy of my bank statement from XXXX showing payment. Nothing has gotten done. We have made numerous calls to PHH and no one has ever contacted us. I am sure that they feel we are pests, but after a month and a half something should have been done. In one of my emails that the did reply to, they stated that the auto pay for XX/XX/XXXX would not occur due to the fact that we were in arrears for XXXX. In another 15 days the payment for XXXX will be due. We have provided PHH with everything that they have requested and nothing is being done. We need help
Consumer complaint received 2021-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (MS)

I stated that its not my account & I am not liable to pay a debt that isnt attached to my name/person. Ive never done business with this company we have no affiliation with one another whatsoever & this is a direct violation of HIPPA its illegal & should be removed from my reports & myself permanently.
Consumer complaint received 2020-10-09
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

I see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-07-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

We took a second mortgage out in XXXX for an amount of XXXX. This loan was for our property improvements including fencing, grading, etc. In XX/XX/XXXX. We stopped paying due to the recession and medical bills of our XXXX XXXX. Just a few years later we tried and tried and tried to reach the lender who held the note. 

No one was sending us statements and we could not get any response. In XXXX I met with an attorney and he was not able to locate the holding company of our loan. It wasnt until XX/XX/XXXX that we were notified by mail that our loan had been purchased by Planet Home Lending and that we were in default ( letter attached ) and need to pay the balance due with no payment plan. Then in XXXX less than 1 month later ( attached ) they demanded the {$360000.00} with a {$22000.00} penalty if we didnt pay it by XX/XX/XXXX. 

We contacted them and asked how can we set up a payment plan and possibly refi the loan. They said thats not possible and you will have to deal with the holder of the loan XXXX XXXX XXXX which we were never provided a contact for. Fast forward to XX/XX/XXXX and we get notified by certified mail of NOD ( notice of default ) and that our home will be foreclosed in 90 days at auction. 

How can this be happening? They have provided us no way to to keep our home. 

How can this be fixed or some kind of repayment plan happen? They are trying to destroy us. Please help. This feels like predatory lending tactics. They are providing zero resolution options.This loan was done in XXXX. Is there any protection under Dodd-Frank rules or any other California options ? 

Please note that XXXX XXXX is who holds the money and Planet Home Lending is the servicing company.
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (IL)

I am filing a complaint against rent recovery solutions. I have been fraudulently contacted by debt collection companies in the past for unsubstantiated debts, I've worked really hard to improve my credit and I now require full validation on all claims. I reached out Rent recovery over 2mths ago for validation I then sent another letter with a return confirmation. Attached is my validation letter I sent them back in XX/XX/2021 along with receipt for mailing the letter, confirmation that the received the letter. They have gone over 30days without response to my inquiries and validation. I request that this debt be removed from my records and reports. Thank you.