davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payment for XX/XX/XXXX was made on time, as demonstrated by my bank statements and payment confirmations, which clearly indicate that the payment was processed well before the due date. This payment should not have been marked as late.

Clerical Error at Creditor 's End : There was a clerical mistake by XXXX, where they incorrectly applied my payment to the wrong account, leading to the appearance of a late payment. I immediately contacted the lender once I discovered the error, and they acknowledged the mistake. I have attached correspondence from XXXX 's customer service confirming that this was a mistake on their end.

Technical Issues on the Payment Processing Portal : I encountered issues with XXXX online payment portal, which delayed the posting of my payment. Despite my efforts to make the payment on time, the technical issue led to the payment being recorded late. I have attached support tickets and communication with the banks technical support team showing the payment portals malfunction during the relevant period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act. XXXX, Transunion and XXXX have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX.
Consumer complaint received 2020-12-03
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-12
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)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-09-03
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: Lendmark Financial Services (GA)

Lendmark 's response did not address my concerns. 

My social security card is a credit card pursuant to 15 USC 1602 ( l ).

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card shall be excluded from the consumer report. This transaction that I am speaking about is a specific extension of credit and shall be excluded. 

They openly admitted that their policy doesn't abide by federal laws and that they are sticking to that. The person who responded on behalf of Lendmark was not there for the consummation of the transaction and has no first hand knowledge of what took place and what information was or was not disclosed to me. Please declare that I was disclose with adequate disclosures required by federal law under the penalty of perjury. I did not CONSENT to any of my nonpublic personal information to be shared with anyone as it related to this private transaction. The sharing of this information is a violation of my privacy. 

Their statements " Does Lendmark Share? Yes. Can you limit sharing? No. '' " Should the customer want to limit the types of sharing, they can call '' contradict themselves, this is also further proof that they are failing to uphold their responsibilities under 15 USC 6802. You can not tell me that I do not have the right to limit sharing when federal law says that I am supposed to be provided with the opportunity to opt out of sharing. 

What laws says that Lendmark has the right to report anything to anyone without MY permission? What law says that Lendmark has the right to continue to disclose my nonpublic personal information with any third party before giving me the disclosure to direct that such information not be disclosed?
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I contacted Midland Credit Managment onXXXX. Regarding fraud on my account. I dont have credit cards and I dont use them. On my credit report it shows them in collections. I offered to pay the debt in full {$570.00} so long as it is removed and put in writing before me paying it. They refused to put anything in writing - either by email or by sending a letter. In XXXX  I had my identification stolen ( passport, social security, phone, as well as computer ) and it was subsequently used without my knowledge or approval.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I got a loan from Credit Acceptance in 2018. I made payments as stated in our agreement but when the pandemic happened, I was out of work and notified the company in which they told me they had no help for their customers. So I made the payments as best as I could. Most of the time it was paid on time and if not it was paid within 3 days from due date. I was notified that the amount was due on the XXXX not after and we dont have grace periods. So the first time I was late, the account would continue to reflect late payments each month until I paid that one late payment. I wasnt aware that it works that way. Even more, its hurting my credit trying to get a new car because of those unethical practices this finance company practice. It is a reason they are one of the worse companies. I didnt realize how bad those terms where until the pandemic. Also they lied to me about helping during the pandemic only to turn around and send an email about how they help their customers during the pandemic. Also this company practices harassing phones calls for one missing payments and didnt stop until I blocked them and paid. My credit report shows late payment every month because one late payment rolled over each month until it was paid. Had they given me the option to push that payment to the end of terms, I would have great credit. Its disgusting how this company hurt the very people who put money in their pockets and food on their tables. Shame on Credit Acceptance, they were never really trying to help me, just cause me more pain.
Consumer complaint received 2021-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Debt Mediation, Inc. (NC)

Hi my name is XXXX XXXX and Professional Debt Mediation Inc bought this Debt from a apartment complex that is a dissolved llc in n.c.2, Professional Debt Mediation Inc is representing that they are a attorney this is false.3, I was never notified of said Debt or given notice that I could dispute said Debt before they started reporting it to credit agencies. 4, I moved from apartment complex XX/XX/2020 during covid and was never offered a repayment plan on the correct amount I owed or offered any kind of repayment plan.5 the amount that is being reported is fraudulent and I have proof.6, when I disputed said Debt with credit reporting agencies Professional Debt Mediation Inc was reporting that this was alone my debt after I disputed they started reporting that I owed this and my husband owed this, his name isXXXX XXXX .7 this was a illegal eviction and as I said the amount being reported is about XXXX to XXXX more than I owe. Also there were charges for late fees which were illegal in the state of n.c. and selling this Debt without offering a repayment plan is illegal in n.c.. I have proof of the security deposit not being taken off and that we paid half of the last month 's rent upfront. I have receipts from the amount we paid down and I have proof of the amount social services help pay down. I also have proof of how the apartment manager of the complex who goes by several different aliases which is one reason why this hasent went to court yet, violated nc law and federal law in regards to every complaint I have stated. Among many other.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have hard inquiries on my credit report for all three credit agencies that I do not recognize and were not authorized by me. 

-XX/XX/XXXX- Company and date of unauthorized Inquiry XXXX XXXX. XXXX, XXXX, XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -TransUnion- Company and date of unauthorized Inquiry XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX -XX/XX/XXXX- Company and date of unauthorized InquiryXX/XX/XXXX Business CRED - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX Business CRED - XX/XX/XXXXXX/XX/XXXXBusiness CRED - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXX Business Cred - XX/XX/XXXX XXXX XXXXXX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have tried 5 times to have this incorrect bankruptcy removed off my credit report. 
XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX : Each time I receive a post card in the mail from XXXX illegally responding saying " we do not have sufficient information to process your dispute '' even though I provide all my information including my drivers license and a recent utility confirming my address. My dispute gets received by them through regular postal service and electronically. XXXX over the phone confirmed with me that they go to XXXX XXXX to get their information which is illegal as my XXXX XXXX report is frozen and I have opts out in sharing of my information to any 3rd party company like XXXX. Also the fact that XXXX XXXX nor XXXX have my consent to share my information and that XXXX seems to feel that its okay to violate my federal rights by accepting 3rd party information when they are only allowed to receive information from the direct creditor ( court house ) The court house does not report to the credit agencies so this bankruptcy needs to be removed immediately. 

Transunion : This credit agency is by far the worse as each and every time rather then do a investigation they state that I would need to dispute with LCI Consumer Center which is OWNED by Transunion and LCI stores that information. Again, Transunion is in direct violation of my federal rights by obtaining information about me without my consent, sharing it through there sub sister company LCI. LCI gathers it from another 3rd party source know as PACER which again are both not direct creditors or debtors. Transunion fails to properly investigate and remove this inaccurate bankruptcy off my credit report. 

XXXX : XXXX out of all the 3 major credit agencies does at least investigate and get back to me on each dispute I have faxed over and mailed. But again XXXX is guilty of the same thing XXXX does by accepting and reporting from a 3rd party vendor information that I did not give sent to, have frozen and opted out of. 


Summary All 3 credit agencies have violated my federal rights of reporting inaccurate, false and incorrect information on my credit report by accepting data from multiple 3rd party sources. Seeing that the credit agencies can not go directly to the data furnisher which would be the federal court house which is not enrolled to report with the credit agencies. The credit agencies has illegally reported inaccurate information and can not properly investigate with the direct data furnisher ( federal court house ) due to the fact that the direct data furnisher of the information ( federal court house ) is not enrolled or subscribed to report to to the credit agencies let alone able to respond and handle consumer disputes. 

Result wanted : I want the public record of the bankruptcy that is showing on my credit report to be removed off my credit report immediately.
Consumer complaint received 2023-05-29
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)

Creditor was required to send me specific paperwork within a certain period of time regarding this account. I didn't receive this paperwork so how are you accurately reporting this information - you need to remove this account immediately. You are also reporting different information when all data furnished should be accurate. How is the payment history inconsistent and how can the date of last activity have 2 different years? Please see the attached letter that was sent to the company XX/XX/23 which is dated, and time stamped along with the inaccurate credit report. Remove the following account from my credit report within 15 days : XXXX XXXX XXXX
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE (NY)

This bank it giving me a hard time first they told me to apply online I do and I told them I have a fraud alert to process my application they must verify my identity they then tell me to send them my license which I have and they still have not opened it instead keep me on hold and application this is nkt fair instead of processing my identity and having the account opened
Consumer complaint received 2022-12-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority (NC)

I had XXXX twice this year, once in XXXX and in XXXX. Around XXXX or XXXX I called in to ask for a forbearance and the call rep said I was not eligible because I was not late on payments and did not test positive for XXXX. Got XXXX in XXXX and called in and got a forbearance they sent me a letter saying I had XXXX months of forbearance and when I called at the end of XXXX months to make my payment they wanted me to pay more over XXXX months but I was not able to do so at that time and now they say that I might get foreclosure if I dont pay full amount I also tried to fill out home owner assistance fund XXXX after my first XXXX and answered all questions honestly and they denied me so I would like to file a complaint on both parties
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

Contacted the credit bureaus following speaking with them and the US bankruptcy court. The court stated that they did not report a bankruptcy yet there has been a bankruptcy posted on all my credit bureaus for almost 7 years. This is gross negligence on their part. I never did a bankruptcy. I was going to do one back in 2016 and told the Judge that I decided against it. The Judge from the bankruptcy court then proceeded to dismiss my case. I explained all this to the credit bureaus and they stated there was nothing they could do. I then went to the court and got the dismissal paperwork sent to the credit bureaus which I am forwarding to you and to this day the bankruptcy is still on all my reports. I can not get a credit card. I can not buy a house. This has effected my ability to proceed forward in various jobs. And also has effected my score impacting my car insurance amount. The bankruptcy must be removed immediately.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stenger & Stenger, P.C (TN)

I used a platform called XXXX XXXX XXXX to help settle my account with XXXX XXXX XXXX. Instead of sending a counteroffer, the company used their law firm, Stenger & Stenger, to sue me for the money owed.
Consumer complaint received 2022-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MA)

My Mortgage was sold to Specialized Loan Servicing in XXXX. The monthly payment was {$1600.00} including the escrow for the flood insurance, home insurance and taxes. Effective XX/XX/XXXX my monthly payment increased to {$2400.00} because of escrow analysis in which the numbers do not add up. I have called several times and spoke to customer reps, who told me that I am paid up to XXXX, of which I have recorded. I have also used the message center to contact them.They sent me a message stating that they reviewed the account, and it reflects that the mortgage payment made on XX/XX/XXXX was applied to the XXXX monthly payment. The mortgage payment made on XX/XX/XXXX was applied to the additional principle, and if I would like the payment applied to the next monthly payment due for XXXX, to please advise them in another message. This does not seem to be correct, since I pay an additional $ XXXX $ XXXX monthly on my mortgage. I can not get anyone at this company to help me. I even requested for a company representative to call me back, and it has not happened. I would like your help in resolving this issue, given the history of Specialized Loan Servicing and their reviews. Thanks.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 a account without my written instructions