davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (OH)

XXXX : First contact was to inquire about increase in monthly mortgage payment. Payment was roughly {$1600.00} a month. Shortly after being transferred to Mr. Cooper, the payment went to {$1700.00}. I was told that this was because of insurance and property increases. 

When contacting my insurance company, they indicated that the premium actually went down, not up. 

Made my second call to Mr. Cooper to discuss what my insurance had told me, only to get an agent who proceeded to tell me that the price increase was because I was shorting my mortgage payment. When I asked for a clarification, he began to tell me that my mortgage payment was {$3200.00}. When I told him that was wrong, he told me that I had been making that payment since XXXX. I had my banking info that indicated that {$1700.00} was being taken out, and that Mr. Cooper 's own recording indicated that my next payment was {$1700.00}. The agent began to argue that both were wrong, and that my mortgage payments were {$3200.00} a month. 

After hanging up, I called right back and spoke to a supervisor, who indicated that I was correct, my monthly payment is {$1700.00}. She was unsure of who I had spoke to before. I asked if there was a transcript of that previous conversation, and she indicated that there was. I asked if there was a note regarding removing " auto-pay '' and she indicated that there was. I made sure that she knew that we wanted to pay by mail, and she indicated that it was taken care of. 

Fast forward to the end of the month, and my wife made a payment by check for {$1700.00}, and according to my bank, it was cleared on XX/XX/XXXX. This payment was for the month of XXXX. My wife got a message that a withdraw was made in the amount of {$1800.00} by Mr. Cooper on XX/XX/XXXX. 

I have tried multiple times to get this cleared up, but the customer service lines and the online chat have not worked. The phone service keeps ending the calls, and the online chat indicates that they are unable to help due to large volume. Though, their phone message that comes on, and identifies who I am based on my phone number, tells me that my mortgage/loan is " paid in full ''. Then it tells me that it will send a letter of paid in fullin 10 days.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

Per *FCRA Section 602 15 USCS 1666b a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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

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

I demand the late payment reported to be removed.

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

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

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-12-07
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. (SC)

XXXX XXXX XXXX is reporting {$500.00} was not paid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX, XXXX XXXX and Experian give notice that this creditor is providing false information. Unfortunately, Experian continue to report this error. This account was paid in full by the insurance company through XXXX XXXX when I injured myself at work and was no longer able to work. This loan had insurance, that was paid for in the event I could not work, which is what happened. The creditor ( XXXX XXXX ) was aware that I had insurance on this account he helped me file it. I filed the claim and money was paid to XXXX XXXX to cover the balance owed. Experian is aware this was an insurance claim that was paid in full. Experian decline to remove this error or put notice I was disputing this debt so that creditors would see it when pulling my credit report. This is a fraud account. 


XXXX XXXX XXXX is reporting I own {$670.00}. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. This was reported as a fraud account. A police report was provided, Experian continue to report this against my credit file. The creditor was given written notice that this was a fraud account, they decline to remove this derogatory report off my credit file after months of trying to get this error corrected. Experian declined to remove it and declared it valid even after notice was given that this was a fraud account. I asked Experian to provide evidence that the creditor validated this claim, no response to my request. 

XXXX XXXX XXXX {$1800.00} is owed to them. XXXX XXXX XXXX XXXX XXXX XXXX I have never lived in an apartment. I own my own home. My identity was compromised during this time, a credit card was open as well as someone rented an apartment using my social security card. XXXX declined to request photo identification before putting a lease in my name. I contacted XXXX XXXX and was told the company was sold and no records could be found. Experian still continue to report this with no evidence to support this claim is valid. I own my home and never lived in an apartment and do not know anyone who lived there. Experian declined to have this removed and continue to report it after several disputes. This is a fraud account. 

XXXX XXXX is reporting a balance of {$4600.00}. This is not my account. I have disputed a few times. This account is older than 7 years but it is still being reported. 

XXXX XXXX is reporting an account as delinquent. Account was paid in full under insurance claim filed after I was unable to work due to health issues.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

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 Balanced {$380.00} XXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-05-08
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  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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-05-05
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)

XXXX XXXX Compliance Standards. This alleged debt are reporting fraudulently the XXXX  Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance due to FURNISHING MY PRIVATE INFORMATION WITHOUT XXXX DISCLOSURES you must remove all inaccuracies. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, How was this verified? 
If a debt is sold to a 3rd party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balanced {$2100.00} CHILDSUPPORT XXXX Balanced {$4700.00} XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (GA)

Credit reporting agencies is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

They all are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (OR)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-05-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (IL)

Comenity Bank contacted me on XXXX at XXXX XXXX regarding a debt in the name of my mother-in-law. I informed them that they had the wrong number and agreed to pass on a message, but to not contact me again. I then received a 2nd call on XXXX at XXXX XXXX regarding the same debt. I told them that they had the wrong number and to stop calling me. They had no record of speaking to me before. I asked for the caller 's name for my own notes incase they called again and was refused. I was passed to a supervisor and when I asked him for his name, he hung up the phone. A Debt Collector refusing to provide their name and information, and consistently calling the wrong number is in clear violation of the Consumer Protection Act.
Consumer complaint received 2024-02-18
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company (AR)

I wish I never used this company. They will get you to spend more money on fees than they will ever save you in money. Their promise is to settle your debt and make sure you pay less on your debt, saving you money. I have now paid {$2000.00} in fees alone and they have saved me a sad {$1200.00} in settlements.I have {$2200.00} more in fees to pay over these next 3 years. I have one more settlement to be done. Overall, I owed {$11000.00} in debt. Once this program is through I will be paying at least {$13000.00}. My credit went from XXXX to XXXX over these 8 months of being with JG. I will be lucky if my credit ever gets better. It will be 3-5 years at least. In these 8 months of working with JG, I have paid them {$2000.00} and only {$15.00} of that has gone to my debt. If I knew I would be paying {$2000.00} to get terrible credit and still owe another {$11000.00} at least, I would have never signed up. I will be paying more than what I originally owed in debt and have terrible credit for many years to come because of this program. The communication is terrible and they dont explain anything to you. I have never been contacted by them in 8 months, I have to reach out every time and try to figure out whats going on. They switched websites during these 8 months and I never even got an email telling me they are using a new site with a new customer portal. I was left in the dark about everything. I am getting taken advantage of and all my money is being spent on fees. I would be in such a better place right now if I got a personal loan, paid off my debt and then pay a monthly amount to my loan. I thought getting debt consolidation would be smarter but Im in a world of trouble because of it. Im hoping I dont get sued by my creditors as well, like many jg customers have.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-04
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. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2024-02-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

I sent the collection agency TransWorld Systems a certified dispute letter regarding this debt around XX/XX/XXXX asking for full verification of debt & a copy of the original application or contract regarding this debt which I don't owe. This debt was just placed on my credit reports around XX/XX/XXXX without any notification. The debt is for {$300.00} for XXXX XXXX. TransWorld Systems received the certified letter on XX/XX/XXXX at XXXX that I sent them which I have 30 days to receive this info. I also called TransWorld Systems regarding this debt & I spoke to XXXX different reps & neither rep could pull up my account or name in their system. Both reps told me they were unable to pull my account number or name in the system & disconnected the call. TransWorld Systems placed this account on my credit reports which they are now unable to find my account in their system is a HUGE RED FLAG to me. TransWorld System never notified me at all regarding this debt they just placed in on my credit reports. I told TransWorld Systems it's against the FDCPA to just place an account on my credit reports without being notified first. I told the reps at TransWorld System this account needs to be removed from credit reports if I don't receive full verification & a copy of the application or the contract. I would like for this account to be removed from credit reports since they are in violation of the FDCPA.
Consumer complaint received 2024-08-15
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: EQUIFAX, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-24
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. (GA)

I dispute the inaccurate reporting status on my XXXX XXXX account, which is negatively affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misleading and are having a significantly adverse impact on my creditworthiness. I want to emphasize that the account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is crucial for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of my XXXX XXXX account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off. I really do appreciate your attention to this matter and look forward to a timely resolution. Thank you for your prompt action in resolving this dispute.