davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (GA)

I have a loan with Planet Home Lending that has been fluctuating through outrageous totals from {$1300.00} to {$1900.00} for a little over two years. From having previous loans with other companies in various cities and states I've come to the conclusion that Planet Home Lending may be operating with nefarious intent of consumer accounts! 

When I lost my job due to XXXX, I was put under the XXXX  policy back in XX/XX/XXXX. I completed the phone interview and online paperwork and was notified I was accepted into the program. A few weeks later I had received notices that I was approved for forbearance into XX/XX/XXXX. Then another approval of forbearance into XXXX and then a final approval until XXXX of XXXX. It should be noted that during this time I paid what I could on the loan, my wife and I both got part-time jobs to survive with XXXX children. When I called in XXXX to inquire about my start-up payments an agent indicated that because I didn't call in XXXX of XXXX, my loan was in foreclosure! 

Is that correct, because I received paperwork in the mail stating that it was pushed back to XX/XX/XXXX. The agent then said the only way to resolve this is to refinance your current loan and add the delinquent payments to the backend of a new loan with a current over inflated mortgage percentage rate. 

Why? 

Was this because I didn't make a phone call back in XXXX? 

But I have a letter stating my forbearance was approved through XXXX with a start-up date in XX/XX/XXXX. 

Are these unruly practices the tactics that PHL uses to take a person 's home or move them into a higher interest mortgage rate? 

After some quick thinking, I exhausted my retirement savings to bring my status current but another problem arose on the account. I was informed a couple of weeks ago that my balance will be rising again to {$1700.00}. I began to inquire, and this was due to Planet Home Lending paying my home insurance twice, once with XXXX and a second to XXXX. However, when I called in XXXX of XXXX, I was instructed by a XXXX  agent that XXXX had already forwarded the documents and XXXX understood that XXXX would be taking over. However, XXXX made the payment to XXXX, thus depleting my escrow account. 

This gross negligence in accounting errors and compliance with the XXXX policy are unacceptable! Therefore, I will be reporting PHL to the Federal Trade Commission and filing an additional report with the Consumer Financial Protection Bureau.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Subject : Complaint Against [ Credit Bureau Name ] for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ Credit Bureau Name ] for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Amount : {$XXXX} XXXX previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

I received a letter in the mail from Atlantic Union Bank on XX/XX/23 stating that my change of address request had been received & processed. To my knowledge, I didn't have any accounts with that bank. I called the XXXX # listed & asked if they could verify if I had an account with them. The person asked for my SSN. I told them that they were crazy if they thought I was going to give them my SSN. They told me that I would have to go into a local branch to find out then. Fearing that my SSN or identity had been compromised, I pull my credit report. No new accounts had been opened in my name fortunately. I did see where Atlantic Union Bank had performed a soft inquiry on my credit. This made me very angry as my information was compromised on XXXX a few years back. 2 weeks later I receive a flyer in the mail saying that I'm pre-qualified for a heloc. This is a terrible way to attempt getting new customers & I don't appreciate the stress that they caused me. This is why I'm filing a complaint against them.
Consumer complaint received 2017-02-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My mortgage with XXXX XXXX XXXX was sold to Carrington Mortgage Services in XXXX 2016. Beginning with my XXXX 2016 mortgage payment, I started making my payments directly to Carrington and it has been a non-stop litany of problems since then. I have yet to receive a payment coupon book. I have now made 3 timely monthly payments, per the terms of my mortgage, yet none are posted correctly without a lot of intervention on my part. I receive harassing calls at work at least once a week saying my account is delinquent despite the money arriving there on time or ahead of schedule. I 've also received at least one delinquency letter. I have yet to receive a XXXX form for 2016 for my taxes. Their website lists one monthly amount due yet their customer service reps indicate another amount is due ( the difference lying in the escrow payment ... not late fees, principal or interest ). I feel this is a pattern of behavior designed at best to generate additional revenues in fees, and at worst, to create an event of default allowing them to take my home despite my making all of my payments on time. My only proof of payment is my bank statements and receipts generating by their website when I make the payments, but I am afraid this will be insufficient in the event that I need to rely on them. At this point I am debating refi-ing my house in the hopes of never having to deal with Carrington again, although they seem to play games during the refi process as well. I am a highly educated, gainfully employed XXXX. I hold a XXXX and know many attorneys through my job and in my personal life ... I do n't know at this point my best option is to send an attorney letter to them or what my best course of action is as I feel powerless over what Carrington chooses to do with my payments and what they choose not to do. The BBB website has at least XXXX pages of complaints very similar to mine ... most of them stemming from mortgage transfers by XXXX and XXXX ... and the company has a XXXX disapproval rating. There are many, many complaints against them on other legitimate, reputable sites as well. I got your web address from the FTC in hopes that you can intervene in some fashion. Their business practices are most definitely predatory and likely intentionally unethical.
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (CA)

PINNACLE LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XXXX ( ORIGINAL CREDITOR-XXXX PART XX/XX/XXXX BALANCE {$280.00} I DID NOT HAVE XXXX XX/XX/XXXX, I DID HAD XXXX XXXX XX/XX/XXXX FOR 7 DAYS, I PORTED MY NUMBER TO TMOBILE.I CALLED XXXX XXXX 11 TIMES FROM XX/XX/XXXX TO XX/XX/XXXX FINALLY A XXXX REP CALLED ME, THE REP TELLS ME I OWE {$280.00} FROM ACCOUNT FROM XX/XX/XXXX, I ASK THE REP WHY DOES IT SAY XXXX, THE REP TELLS ME XXXX DID NOT PUT IT ON MY CREDIT REPORT-THE REP TELLS ME PINNACLE LLC C/O RESURGENT PUT IT ON MY CREDIT REPORT, I CALLED PINNACLE LLC XXXX RESURGENT XX/XX/XXXX A REP TELLS ME XXXX PUT THIS ON MY CREDIT.I HAVE DISPUTED THIS ACCOUNT WITH XXXX, XXXX AND XXXX ( XXXX FILE XXXX ( XX/XX/XXXX.XXXX XXXX..
Consumer complaint received 2017-12-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Business Services, Inc. (FL)

I have requested validation of the account that has been attempted to collect on from this collection agency and I have not received anything back by postal mail. It has been well over 45 days since the original request was sent. I requested this to be done back in XXXX 2017 and I have not received any correspondence as of yet. It has been approximately 23 weeks and 5 days. The collection amount is listed on my credit monitoring site for {$220.00} and I was never made aware of such debt in writing.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MI)

There are two complaints. While in XXXX on XX/XX/XXXX I booked a stay at XXXX in XXXX, I put in the wrong dates, corrected the dates and stayed at the hotel for 2 nights on XX/XX/XXXX. When I recieved my statement from Barclays Choice Privledges there was a {$290.00} charge for correcting the dates. In addition the second complaint is I recieved a {$630.00} charge from the hotel and a {$720.00} charge from XXXX for the very same stay, I was double charged. I have filed disputes with Barclays and XXXX and have been unsucsseful. Barclays transferred my Choice Privliges card to XXXX XXXX In XX/XX/XXXX, they have inhertied these issues.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MI)

I am writing to address a matter of utmost concern regarding the inaccurate information being reported on my consumer credit report by CBNA. It has come to my attention that the account in question is reporting inaccurate details concerning its opening dates. XXXX reports the account was opened on XX/XX/2017, while XXXX and XXXX report it was opened on XX/XX/2017. This discrepancy in reporting is causing significant damage to my reputation and has resulted in denials of credit applications. I demand the immediate removal of this inaccurate account from my consumer report. 
The reporting of incorrect information on my consumer credit report by CBNA is not only misleading but also damaging to my creditworthiness and overall financial standing. This inaccurate reporting is tarnishing my reputation and causing substantial harm, leading to the denial of credit opportunities. It is imperative that CBNA takes responsibility for the accuracy of its reporting and promptly rectifies this situation by removing the account from my consumer report. 
In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of this inaccurate account from my consumer report. The presence of this erroneous information is causing harm to my reputation and financial well-being, and it is your responsibility to rectify this situation without delay.
Consumer complaint received 2023-06-23
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. (MO)

Hello I am an authorized user on my mothers XXXX XXXX XXXX XXXX XXXX  CREDIT card. Unfortunately my mom passed away in XX/XX/2023. Ive been making the payments however Im not sure what to do next. I contacted XXXX XXXX about the credit card as well as her mortgage back in XXXX I received a packet from the mortgage department but nothing about the credit card
Consumer complaint received 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (VA)

I TRANSFERRED MY SERVICE FROM XXXX TO XXXX WITH THE HOPES OF GETTING THE SPECIAL DISCOUNT AND THE PROMOTION THEY HAD AT THE TIME. I ALSO HAD MY HUSBAND TRANSFER HIS PHONE FROM XXXX CELLULAR TO XXXX WHICH IS ALL UNDER MY ACCOUNT. I WAS TOLD THEY WERE GOING TO PAY THE TERMINATION FEE FROM XXXX AND US CELLULAR AND I WENT ON THEIR WEBSITE TO SUBMIT MY RECEIPT AND THE INFORMATION REQUESTED BUT IT WAS NEVER PAID AND NOW IT IS AFFECTING MY CREDIT WHICH HAS NOW DROPPED TO XXXX DUE TO THIS COLLECTION RECORD WHICH I HAVE NEVER HAD ON MY CREDIT. I AM ASKING THAT THIS BILL BE PAID OR I WILL FILE A LAWSUIT AGAINST YOUR COMPANY. I BARELY GET A GOOD SIGNAL TO BEGIN WITH AND THE PLAN IS NOT EVEN WHAT I WAS QUOTED. I AM UNDER A GOVT DISCOUNT PLAN AND WHY IS MY BILL ALWAYS ALMOST {$200.00}? I AM A STUDENT AS WELL AND MY HUSBAND IS A RETIRED XXXX XXXX, WE DO NOT HAVE THE MONEY TO WASTE ON A SERVICE THAT IS NOT AS XXXX AS THEY CLAIM. I AM TIRED OF FINANCING A PHONE THAT DIES AND DOES N'T WORK WELL AS IT SHOULD, THE TABLETS WE RECEIVED WERE SUPPOSE TO BE FREE AND NOW WE ARE BEING CHARGED FOR IT. PLEASE PAY THE TERMINATION BILL FOR MY HUSBAND AND MY BILL FROM XXXX. I LIKE THE CONVENIENT OF MAKING PMTS ETC BUT I DO NOT ENJOY HAVING A SERVICE WITH A HIGH BILL AND BAD SIGNAL.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (CA)

I recently applied for credit and was denied. I checked my consumer profile and noticed that there are several unauthorized accounts being reported on my credit file. I have attached a brief summary of the accounts that are infringing on my right to privacy.
Consumer complaint received 2023-06-23
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. (GA)

i have tried to reach out to collector to correct the account status on my report this account below has been paid and full i have attached proof the balance is paid. the collection agency XXXX XXXX did agree to delete this off my credit and it hasnt been done yet. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - this account is paid and full. creditor agreed to remove once paid. factual proof attached.
Consumer complaint received 2023-06-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

I am writing to address a critical matter concerning the presence of inaccurate accounts on my consumer credit report, which have been reported by Great Lakes. It has come to my attention that these accounts have never been properly validated, infringing upon my consumer rights. I demand the immediate removal of these accounts from my consumer report, as their inclusion violates my rights and is causing severe damage to my reputation and financial well-being. 
The reporting of inaccurate information on my consumer credit report by Great Lakes is unjust and has resulted in denials on credit applications, as well as significant harm to my financial standing and reputation. It is imperative that you rectify this situation by removing these accounts from my consumer report without any delay.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-06-23
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: LJ Ross Associates (MD)

LJ Ross Associates are furnishing inaccurate and incorrect information to the consumer reporting agencies.15 USC 1681 s-2 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.
Consumer complaint received 2023-06-23
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. (TX)

I have a credit card from XXXX XXXX XXXX XXXX closed in the amount of XXXX From XXXX XXXX that is incorrect From XXXX XXXX XXXX XXXX has a XXXX balance in my account thats incorrect XXXX XXXX XXXX from XX/XX/XXXX for XXXX amount is incorrect From XX/XX/XXXX XXXX XXXX has a hard inquiry For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has hard inquiries listed that are incorrect XX/XX/XXXX XXXX has a Incorrect hard inquiry posted
Consumer complaint received 2023-06-23
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. (OH)

XX/XX/2023 this fraudulent inquiry XXXX XXXX XXXX was placed on my credit report affecting my score. Due to 15 USC 1681c-2 this need be removed immediately.
Consumer complaint received 2023-06-23
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX XXXX : {$3200.00} XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Balance {$120.00} XXXX XXXX XXXX XXXX  Balance : {$3200.00} MXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file is listed on my credit report as XXXX XXXX XXXX XXXX XXXX Balance : {$220.00}.
Consumer complaint received 2023-06-23
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: Synovus Bank (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!