davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (WA)

The last several months have been a terrible experience with Planet Home Lending. 

I previously elected not to receive paper copies of monthly mortgage statements and set up automatic monthly payments with my bank. As a result of not receiving monthly hard copies of mortgage bills, I did not know that my escrow charges had gone up sometime in XXXX. When I found out in XXXX, XXXX, from Planet Home Lending that my payments were short due to an increase in escrow requirements, I called them and was told the shortage amount was {$190.00}, which I IMMEDIATELY PAID ; they cashed the check XXXX XXXX, XXXX. 

During that phone call, I explained that Planet Home Lending did not notify me of the required escrow increase via mail or email and, furthermore, did not contact me via phone, so I was unaware of any required payment increase. As a result of that conversation, I was told by the Planet Home Lending customer service representative that late fees would be removed from my account. This did not happen. 

The next month, my XXXX. XXXX, XXXX statement arrived with a late charge of {$60.00}. So, again, I called and their representative told me she would request it be removed. Again, that didn't happen and my XXXX statement arrived with the late fee still noted on my payment requirement. 

I called Planet Home Lending, XXXX. XXXX, XXXX, and once again had to explain the circumstances to their representative ( this was the third time ), including informing the representative of the commitments from previous representatives to remove the late fee. After being put on hold three times with this representative, named XXXX, ( presumably so she could talk with a higher-level supervisor ) she came back onto the phone call and told me that I would just have to pay the late fee. 

Therefore, rather than deal with them any longer, I sent Planet Home Lending a check for the {$60.00} late fee simply because I did not want any late indications on my account ( I value my credit and take pride in meeting my financial commitments ). 

My complaint is that they are charging me ANY late fees at all since they never notified me of an required increase in monthly payments. My view is that not notifying someone of a required payment increase and then charging them late fees is a predatory lending practice and one that may even be grounds for a class action lawsuit. 

I have since requested paper copies of monthly mortgage statements be mailed to me so that I avoid not being notified by them in the future. However, I should not have had to pay their late fees when they failed to notify me by phone, mail or email of a required payment increase in the first place.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

Capitol one Savor card advertises 4 % cash back for Streaming Services and they even list XXXX Now as an example of " popular streaming services '' at this link XXXX XXXX XXXX XXXX XXXX XXXX Now was rebranded XXXX XXXX XXXX 2020. Capitol One refuses to give me a 4 % cash back on my XXXX XXXX subscription fee because its ( in their words ) " not XXXX Now ''. This seems like either false advertising or a intentional scam. After trying to resolve this with the company I got no where.
Consumer complaint received 2023-04-28
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. (VA)

Metro 2 Compliance Standards. This is my third attempt to solve this matter the 4 Main credit bureaus work for me and I want the two late payments reversed to ok, due to willful non-compliance you must meet compliance standards. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, I NEVER WAS EXPLAINED IN EASY TO UNDERSTAND TERMS ON MY RIGHTS AND THE PROPER DISCLOSURES.
Consumer complaint received 2024-10-09
Product: Credit reporting 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-17
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. (NY)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I would like for CFPB to investigate all three of my credit reports, XXXX, XXXX, & XXXX. The account numbers starts with this number XXXX. The balances are for {$2300.00}, {$4100.00}, & {$2500.00}. XXXX XXXX closed the account as a charge off, written off amounts and past due amount, {$2300.00}, & XXXX, & & XXXX, but are still reporting my payment history as of this XX/XX/XXXX as late payments. Also, these accounts has been sold to another company and a lawsuit has been filed with a fradualent affidavit wih the courts. Then, I would like for XXXX and XXXX to update my repeort for XX/XX/XXXX, so that I can retrieve the correct score reporting. I am not able to obtain my score. I will also, be filing with FTC.
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

In a recent review of my credit reports, I found a " Collection '' account being reported to all three ( 3 ) credit reporting agencies in the name of Credit Control Service. I contacted the company and all three ( 3 ) credit reporting agencies seeking " Validation '' and to inform them that I do not owe this debt, I do not recognize this debt and that my Consumer Rights have been violated. 

I received no notification of investigation from the credit reporting agencies, only to show that this " Collection '' was disputed by consumer and meet the FCRA requirements. The company itself has yet to provide me with any information. Furthermore, pursuant to the FDCPA Regulation F, this company has violated my rights by not adhereing to the follow law : Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. 

The credit reporting agencies has allowed this and along with the company are breaking the law. They are willfully placing a negative, unverifiable account on my credit report without any proof that this alleged debt belongs to me.
Consumer complaint received 2024-10-17
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX CARD # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-28
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: LEXISNEXIS (UT)

In trying to obtain new auto insurance I keep getting told that I either can't be insured or extremely high rate quotes based on Claims Loss Underwriting Exchange Report claiming I have an excessive number of insirance claims. I do not have any, not one insurance claim in over 10 years, maybe a lot more, that are claims that I am responsible for. I have had two accidents in the last five years in which I was NOT responsible as I was T-boned on both occasions by the other distracted drivers. Of course I am/was involved with those claims, but in no way at fault or responsible. A third claim of my involvement was an RV/Camp trailer that was stolen. This was also no fault of mine and has had no affect on my ex wife 's ability to be insured so why am I being targeted with these. If there is anything else on the report, I have no idea. Because somehow a third party company can see my report in a matter of seconds, yet I have to order mine and wait for mailed instructions to tell me how to access it. Well, I need auto insurance now. Anything else in my report about any other claims is going to be false. Whether fraudulent, mistakenly added, duplicated or whatever the case may be. There should be no claims on my record that I am responsible for.
Consumer complaint received 2023-04-28
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. (NC)

Dear Sir/Madam, I am writing to request your assistance in resolving an issue regarding inaccurate information on my credit report. I have reviewed my credit report and found that there are inquiries, late payments, and collections listed that are in breach of the Fair Credit Reporting Act, specifically 15 U.S.C 1681.

The aforementioned information is in breach of the Contract of reporting act as it is incorrect, unjustified, and a defamation of character. Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions. I have not authorized these inquiries, late payments, and collections, and they do not reflect my financial history accurately. Therefore, I kindly requested that these items be removed from my credit report.

Due to these inquiries, and negative reporting have not been able to obtain housing which has been detrimental to my livelihood. Credit Reporting Act 15 U.S.C 1681 states that there should not be any damaging information on my credit report. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My personal information was stolen and used to open fraudulent and unauthorized accounts in my name. 

I am writing to dispute the accuracy of certain information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they provide. I believe that XXXX has failed to uphold this standard regarding the following items on my credit report : 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ava Finance, Inc (FL)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You replied that the alleged transaction you furnished as late was { accurate/ verified } choose the response they used } ] but my previous dispute did not ask you for accuracy or validation. 
you furnished to { XXXX, XXXX, and XXXX } } an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.

You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late.

It has been over 30 days and you have not properly verify the information.

Id. at 1303 ; see also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ).

Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified.

Hinkle, 827 F.3d at 1304. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account.

Delete the information you are furnishing to the Consumer Reporting Agencies as late from account. 

XXXX XXXX _________________________________ Without Recourse UCC 1-308
Consumer complaint received 2024-08-09
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (MO)

I would like all my credit cards in debt like clean I know my rights under the credit consumer act and I do not owe anything to anyone being a state national and it's not my fault the state of Missouri and their companies do not want to accept an endorse bill under section UCC section 3 I'm entitled to endorse my bill and they have to accept
Consumer complaint received 2015-10-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

Collection account dates back dated to XXXX for XXXX CC that was paid. Complaint # XXXX. Amount XXXX times what XXXX reporting. I do not owe this money. Filed dispute with Midland asking for verification of debt and statement was put on my credit report meets FCRA. Status of investigation findings never sent to me. Proof that I owe never sent to me.
Consumer complaint received 2023-04-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

On XX/XX/2021, I was informed by Rocket Mortgage that I needed to execute a Partial Claims Mortgage with HUD in the amount of {$26000.00} in order to proceed with the sale of my home, which transaction was scheduled to sold on XX/XX/2021. I executed the Partial Claims Mortgage, as requested, in order to satisfy the monies owed due to deferred payments due to XXXX. I was my understanding that this amount would be paid off at closing with the sales funds. It was NEVER disclosed to me by Rocket Mortgage that this was a three-party debt and that Rocket Mortgage would be paid the funds, pay off FHA, but then would create a separate debt with HUD that would not be paid a closing. One year later, I received letters from HUD which I honestly thought were fraudulent because I had no idea about the outstanding debt and the correspondence was asking me to sign agreements and submit financial information. 

Once I was able to speak to HUD, the title company, Rocket Mortgage and review the documents, I was finally able to understand what happened. However, now I have collection actions against me and negative reporting on my credit and am unable to enter into a repayment plan. 

I feel that Rocket Mortgage was negligent in their duty to me as a consumer and misrepresented the transaction that I was entering into. As a matter of fact, during a conversation with one of the representatives at Rocket Mortgage, he even admitted that is it not explained clearly to the consumer. I feel that Rocket Mortgage acted in bad faith and was only concerned with receiving their money and not at all concerned with ensuring that their customer is fully educated.
Consumer complaint received 2015-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (NJ)

A company called Transworld Systems Inc is attempting to collect a debt on behalf of the XXXX, but the debt is not mine. I do not use the XXXX and the address for the person they are seeking ( with my same name ) is an address I am not familiar with. I 've let them know this verbally and in writing but it seems they are continuing to request payment.
Consumer complaint received 2023-04-21
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. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXXXBalance : {$400.00} XXXX XXXXX Balance : {$270.00} : XXXX XXXX XXXXXBalance : {$0.00}.
Consumer complaint received 2023-04-21
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. (SC)

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2024-10-02
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. (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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX  and list of Inquiries XXXX5 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.
Consumer complaint received 2023-09-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (GA)

Student Loans were discharged under the XXXX XXXX XXXX XXXX XXXX program as of XXXX XXXX. XXXX, which is the company that manages the loan and discharge has already discharged all loans adding top to {$79000.00}. Aidvantage has not cleared the discharge as paid as agreed on my credit.