davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

As the executor of my mother 's estate I sold her apartment in XXXX of this year. We closed on XX/XX/2022. Select Portfolio Servicing Inc ( SPS ) finished processing the payoff of the loan, according to the documents they sent me, on XX/XX/2022. However, after closing I was no longer able to access the auto-pay settings on the account, and an auto-payment was deducted after the loan was paid off. Additionally the payoff quote used in closing was dated in XXXX and so included multiple days of per diem interest after the loan was paid off. I contacted SPS in XXXX to inquire about the extra payment that was removed from my account after the loan was paid off. I was told that this amount, as well as the per diem interest, would be sent to me via a check in the mail. I was also told it would be sent within 30 days of the payoff being processed. 

The check was never sent to me. I contacted SPS again on XX/XX/2022, well past the 30 days, to inquiry about the issue. I was told by the Ombudsman department that the check had been mailed on XX/XX/2022. I informed them that I had never received the check, and that according to the Daily Digests from USPS 's Informed Delivery service during that period the only mail coming from SPS was the letter informing me the loan had been paid off, but that no check had been sent. I also requested the payment and escrow history for the account. 

I was then told that the check would be reprocessed and sent again, and the payment and account history would be sent to my e-mail. I was also again told it could take up to 30 days for that to happen. I did receive the payment and escrow history on XX/XX/2022 but not the check with the money. I responded to the e-mail with the account history to inquire about the check but never received a response. I again waited passed the 30 day period and contacted them today, XX/XX/2022. 

Not only has the check not yet been sent, they claimed that they had not even finished getting the approval to reprocess it. I was also told the request to reprocess was submitted on XX/XX/2022, meaning they delayed two weeks from the time I called to even submit the request and they were trying to retroactively add that two weeks to the 30 day waiting period. Which, of course, comes on top of the previous 30 day waiting period when they never actually sent the check they claimed to have sent. 

The end result is 85 days have now passed since SPS processed the payoff and I am still waiting for them to return to me the per diem interest as well as the payment they stole from account after payoff.
Consumer complaint received 2023-03-23
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. (FL)

I mailed by certified mail to XXXX, XXXX, and Experian ; ( 1 ) appropriate proof of the identity of me as the consumer ; ( 2 ) a copy of my identity theft report ; ( 3 ) the identification of such information by me the consumer, and ( 4 ) a statement by me as the consumer that the information requested to block is not being made in error nor is the information requested by me the consumer is on the basis of a material misrepresentation of fact by me as the consumer relevant to the request to block. The information to block is not information related to any transactions by me as the consumer. 
The certified mail was received on XX/XX/2023 by the three consumer reporting agency.I have not received any notice that the alleged information was blocked within 4 days of the receipt and I have not been able to view my credit reports. 
































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Consumer complaint received 2023-01-27
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. (OH)

I have several accounts on my consumer report showing as charged off. According to the IRS charge offs are defined as income and are filed on a 1099c. It is illegal to furnish income on a consumer report. Therefore this is a clear violation and all accounts showing as charged off need to be deleted immediately. It is also illegal to deny me my right to privacy. I have addresses listed on my consumer report which I've disputed several times that I have no access to.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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.

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 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 2023-01-27
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. (TX)

I have tried to fix this issue with each credit bureau, XXXX, Experian and XXXX for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with 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 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 2022-09-01
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. (NY)

Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 

15 USC 1681 SECTION 602 States that I have the right to privacy.

15 USC 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-09-15
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)

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. 

XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : ***Transunion XXXX XXXX XXXX Last reported XX/XX/XXXX {$52.00} Open XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Collection XXXX XXXX XXXX Last reported XX/XX/XXXX {$820.00} Open XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Collection * XXXX XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Collection ** XXXX XXXX XXXX Last reported XX/XX/XXXX {$610.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type Collection ** XXXX XXXX XXXX Last reported XX/XX/XXXX {$200.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type Collection ** XXXX XXXX XXXX  Last reported XX/XX/XXXX {$200.00} Open balance XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type Collection ** XXXX XXXX XXXX Last reported XX/XX/XXXX {$52.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Collection
Consumer complaint received 2023-01-27
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. (NJ)

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 120 Days Past due amount {$0.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 120 Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$420.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$1700.00} Fraudulent Account : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$870.00}
Consumer complaint received 2022-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America totally disregarded my objections to being transferred to XXXX who are known bottom feeders. There was absolutely no reason for this transfer other than it was done based on my XXXX  It appears that Bank of America allowed XXXX a look at my loan, XXXX late payments, credit score over 800 I am a A+ borrower. 
" Homeowners are often transferred to XXXX once they become delinquent on their mortgage payments. Many lenders try to protect their brand when it comes to foreclosing on homeowners. '' The information on XXXX only get 's worse. Being with Bank of America since 2005 and having a excellent record leads to me to believe there is a quid pro quo when he comes to XXXX  and the transferring of their loans. The mortgage industry is well aware of the top tier mortgage companies, XXXX is not one of them. This is a way of identifying subprime loans in the industry, which my loan is not. This XXXX intrinsic and bias behavior is unacceptable and requires an investigation.
Consumer complaint received 2022-10-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-26
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. (CA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (TN)

I just seen a statement that i never seen before from car loan people which is exeter finance llc and it show that all my monthly payments went toward interest i told two different people in the beggining that i want my payments to go toward principle so can you please correct that and put my past payments toward principle its too much thats being done wrong with exeter finance and XXXX XXXX XXXX.
Consumer complaint received 2022-09-28
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. (FL)

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that XXXX XXXX  with a reported balance of {$5300.00} be removed from my credit report as I was only a young, oblivious authorized user added to this account. It appears that the primary account holder, my older brother may have added innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when i was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, non-financial responsibility authorized user.

Thus, I am humbly asking that you please remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. 

Thank you
Consumer complaint received 2022-09-28
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. (AZ)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXXBankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX