davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Subject : Request for CFPB Assistance in Enforcing FCRA Compliance by Experian Dear CFPB Representative, I am writing to formally request your assistance in addressing an unresolved issue with my credit report that I previously disputed with Experian. Despite filing a complaint regarding inaccurate information on my credit reportspecifically, an incorrect address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that does not belong to meExperian has failed to correct this information.

I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which mandates that credit reporting agencies like Experian are responsible for maintaining accurate and verifiable information in consumer credit reports. Experian has an obligation under 15 U.S.C. 1681e ( b ) to ensure that all data is correct, and if disputed, they must investigate and remove or correct any unverifiable or inaccurate information. 

Despite my prior disputes, and Experians acknowledgment of the issue, they have not fulfilled their legal obligation to correct or remove the incorrect information. The erroneous data continues to negatively affect my credit report, and this failure to act is a violation of my rights under the FCRA. 

I respectfully request that the CFPB take action to ensure Experian complies with its responsibilities and removes the inaccurate address and incorrect name from my credit report. These errors are affecting my financial standing, and I believe that the intervention of the CFPB is crucial to enforcing compliance with federal law. 

Please find attached the original dispute letter, Experian 's response, and supporting documents verifying my identity and correct information. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

I am requesting that Equifax, XXXX XXXX and XXXX room bankruptcy reporting information from my credit profile. I have disputed in the past and all three keep advising they verify the information with XXXX XXXX I have reached out to validate with XXXX XXXX and have confirmed that they are not reporting a bankruptcy in their system. Equifax, XXXX XXXX and XXXX need to reverify their information with XXXX XXXX and remove the incorrect information from my credit profiles. Per FCRA correct and accurate information must be reporting and that is not the case with my credit reports.
Consumer complaint received 2022-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

After reading about the XXXX recount program in XXXX or XX/XX/XXXX, I called my privately serviced FFEL loan servicer, Nelnet, to ask if I needed to consolidate it back into a federal loan in order to qualify for the recount. The person I spoke to assured me that I did not have to do anything and would still qualify for the recount. So, I didn't do anything and kept making payments because private FFEL loans don't qualify for the payment pause, etc. As a result, I've made at least 5 payments I didn't have to make, while accruing interest. 

As more information on the program has become widely available, I realized Nelnet had lied to me and that I did need to consolidate. I've now submitted the application to do so and learned that my payments went into automatic administrative forbearance and that the newly consolidated loan will qualify for the payment pause, etc. I am concerned that, because the new loan won't originate until early XX/XX/XXXX, I am going to miss out on the recount. 

This is unacceptable. Please hold them accountable!
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: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX 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  has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I am contacting the CFPB for help in dealing with my mortgage servicing company, Shellpoint Mortgage. My property is in XXXX, New York and I own three other rental properties in this same building but in XX/XX/2022, New York had a moratorium for landlords to not be able to evict tenants not paying. All the tenants in all of my properties stopped paying rent. The New York State moratorium was not lifted until XX/XX/2022. I contacted Shellpoint Mortgage to request the payments not made while on the forbearance be moved to the back of loan or the maturity date be extended by the numbers of months the loan was on a forbearance but I was told my loan is not eligible which I do not understand why the XXXX XXXX  XXXX XXXX does not apply to this loan which is owner occupied. I was told to submit an application which I did but Shellpoint Mortgage Said they will only differ few months not all the time while the mortgage was on forbearance. Therefore the loan monthly payment will increase Which will be above my means. I know I do not qualify for a traditional loan modification because the monthly principal and interest payment will increase. I am simply looking for a deferment under the XXXX XXXX  XXXX. Now, I can not even satisfy what they are looking for and will lose even more time pending foreclosure. Please help me so I can resume making my regular monthly payments with no arrears owed. I send them the usual monthly payment as per the original amount not with the huge increase that they are asking me for, I was told that that payment will be rejected and sent back to me.
Consumer complaint received 2022-05-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have submitted disputes to you and didnt get a responce in 30 days and you are required by law to do so. please investigate my disputes thank you
Consumer complaint received 2019-06-18
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. (TN)

Please take note that this student loan from XXXX XXXX XXXX was never paid late.. I have never been late on this account. The date of last activity is incorrect.. Credit Bureaus were not able to fix it, Please step up and fix the account from my credit report
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX B FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious B FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PROFICIO FINANCIAL SERVICES, LLC (WA)

Proficio financial services were asked of the contract binding me to the debt that all pro tree care tried to coerce me to pay a debt I dont owe. 
All XXXX XXXX XXXX  and Proficio financial services try to coerce me to pay for a debt I never agreed on. 
I filed Identity theft report with the us government because they are trying to coerce me to pay for the debt I dont owe. 
They are destroying my credit. 
I will be seeking a legal help from an attorney because they are ignoring my request to stop reporting this on my credit report. 
There is no agreement or contract binding me to the false debt. 
All they provide is an invoice that I never agreed on and I never acknowledged.
Consumer complaint received 2022-12-07
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. (NC)

Experian : High Alert Mortgage Credit Pulled Spoke with Experian About the Incident which happened on today XX/XX/XXXX after telling company XXXX XXXX XXXX not to pull my credit due to high identity theft past couple of years and now trying to rebuild my credit. They immediately first starting speaking about my credit to make sure there were no bankruptcies on file. I showed them my credit score on my phone so they could clearly see no bankruptcies were there. Upon leaving my credit was pulled and high alert of mortgage pull was placed on my credit after stating many times. I did not want my credit pulled
Consumer complaint received 2019-05-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

we sold our home & got a pay off from Bank of America & when we got close to closing our attorney spoke with the clerk at the records office to & discovered that BAC had no mortgage lien recorded on our property but Countrywide had a lien instead. 

caused a large problem that caused a lot of stress & attorney costs & re took the chance of paying Bank of America the balance of our loan  that they did not have filed hoping they would pay off the Countrywide loan they never handled properly to make matter worse XXXX XXXX serviced this loan & would not help us either after many hours of the phone with both XXXX XXXX & bank of America/Merrill Lynch, who gave us no help and a lot of lies & broken promises
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Colony Brands, Inc. (CA)

Company-XXXX XXXX  PAID FULL AMOUNT DUE {$47.00} ON XXXX XXXX. 
rECEIVED STATEMENT IN XXXX WITH PAYMENT SHOWING. XXXX  BALANCE. 
XXXX STATEMTN RECEIVED WITH {$4700.00} BILLED PAST DUE PLUS 20.00 LATE CHARGE.cALLED BILLING, ADVISED BILL WAS ALREADY PAID, tHEY VERIFIED XXXX BALANCE DISREGARD BILL.XXXX RECEIVED ANOTHER BILL, nOW ADDITIONAL LAE FEES. cALLED AGAIN AFTER SENDING WRITTEN BANK STATMENT SHOWING PAYMENT, AND iNTERNET COPY OF BILL WIWTH XXXX BALANCE. cALLED AGAIN EXPLAINING SENT LETTER TO ADDRESS OF BILLING STATING FORMENTIONED ACTIONS. wAS TOLD i HAD MULTIPLE ACCOUNTS WHICH WERE NOW AT 4. i ONLY HAD ONE. wAS TOLD BY XXXX A BILLING REPRESENTATIVE SHE WOULD INVESTIGATE AND SEND ME A LETTER FOR THE PURCHASES. i NEVER RECEIVED A REPLY. jUST ANOTHER BILL IN XXXX FOR MORE LATE FEES AND SENDING TO COLLECTIONS IF NOT PAID. i CAN NOT DO ANYMORE THAN THE CORRESPONDENCE i HAVE ALREADY SENT TWICE WITH NO REPLY EXCEPT ANOTHER BILL. i WANT TO FORMALLY FILE A COMPLAINT AGAINST XXXX XXXX FOR THEIR ERRORS. tHEY WILL NOT RESOLVE THIS ISSUE.
Consumer complaint received 2022-10-31
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. (CA)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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 ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My mortgagee was transferred to Select Portfolio Servicing from XXXX. XXXX. When it was transferred, I had a FHA loan. Select Portfolio Servicing reported on my credit report that I had Conventional Real Estate MTG mortgage and Conventional Re Mortgage, Date Opened XX/XX/XXXX this is untrue. On XX/XX/XXXX, I never opened a Conventional Real Estate MTG mortgage or Conventional Re Mortgage, Ever. Also, in XX/XX/XXXX I received some fraudulent documents, from Select Portfolio Servicing that had been copied and pasted. Even my initials, and signature was copied and pasted to the document. It also included a different account number, from my original account number with Select Portfolio Servicing, as well as a different address to send payments. I never complied and customer service said it was a mistake. I also noted on my credit report that the fraudulent information concerning a Conventional Real Estate MTG Mortgage and Conventional Re Mortgage was updated on XX/XX/XXXX. I have never had a Conventional Real Estate MTG mortgage or Conventional Re Mortgage. Under the Fair Credit Reporting Act ( FCRA ), I have the right to fair and accurate reporting of my credit information.
Consumer complaint received 2020-05-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi, I tried to contact you about this late payments on my payment history, I am sure that I pay on time always with my bills ... though I think there are times that I have not because the bill did not get to me on time or I simply did not received it. Please help me resolve this.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AL)

After I paid my balance in full on XX/XX/2022, Victoria Secret has charged me what they call trailing interest on balances that I had previously not paid in full going back to months. The due date for that balance was XX/XX/2022. I still received fees on XX/XX/2022, XX/XX/XXXX and XXXX, XXXX, XXXX XXXX & XXXX, XXXX. Because I was unaware of the fees, I was charged late payment fees as well. Although this explanation above was provided by the representative, it was unclear what amounts and dates each fee corresponding with. This seems to be an unethical way to gouge money from unknowing customers.
Consumer complaint received 2020-05-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

Back in 2015 I rented an apartment with XXXX  XXXX XXXX   XXXX company in XXXX XXXX IL, upon moving they stated I owed fees never contacted me put it on my credit and when the Debt collector fair collections contacted me I paid the debt immediately with the agreement that they would remove the debt upon payment. I had numerous complaints against them including them entering into my apartment several times without my permission. The girls in the management office were extremely rude and told me they were going to make it hard on me to move as soon as my lease was over I moved. I have nothing showing I ever owed the debt but was forced to pay it because I was trying to purchase my house. The original creditor has sold the property and Fair collections will not provide proof that I owe the debt it is still on my credit report I have been disputing this and all they give me is attitude and lies. They refuse to remove the debt they refuse to provide proof of the debt I have reached out to all 3 credit bureaus trying to dispute this and they will not remove it still no proof the debt is owed to the company. Since the money is no longer owed I want it removed from my credit report and since they have no proof of the debt it should not be there. They should not be in business because what they are doing is illegal it has to be.They are all over the internet for fruadlent activities and the original creditor should be investigated as well for criminal behavior.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

I am disputing the accuracy of the Midland Credit Management account on my credit report. Despite my efforts, the credit agency refused to remove the item, citing an update after a reinvestigation in XX/XX/XXXX. The account remains in collections for {$10000.00} and is scheduled to stay on record until XX/XX/XXXX. 

Per the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting removal of this inaccurate information since the credit bureau has not verified its accuracy. Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ), Midland Credit Management is responsible for ensuring they report accurate information, which they have not done. 

I ask that this matter be resolved in compliance with the FCRA. 

Sincerely, XXXX
Consumer complaint received 2020-09-08
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. (CA)

I settled my two XXXX XXXX credit cards. On my credit reports, they are showing settled for less than full however, balances are still reporting in error. 

Please correct the misreporting credit reporting data.