davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (MS)

Experian and XXXX need to delete the items that were paid to delete off of my credit report. I sent both Experian and XXXX a certified mail piece with return receipts to make sure that they got my paid to delete letters and neither companies complied within the 30 day turn around time frame. It has been over 90 days since I sent Experian and XXXX the certified mail pieces so that they can take the accounts that were paid to delete off of my credit reports and they have not did so. Both XXXX and Experian need to delete the following accounts off of my credit reports ASAP. Fair collections and outsourcing, XXXX XXXX, XXXX savings account in the amount of $ XXXX in regards to an auto loan and XXXX account in the amount of $ XXXX from a credit card.
Consumer complaint received 2022-03-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IA)

I refinanced my home with Penny Mac when interest rates dropped about a year and a half ago. When my Homeowners insurance came due last year on XX/XX/XXXX they had not paid it. I went to my insurance company and paid it myself. I complained to Penny Mac and got nowhere. They assured me this problem would never happen again. This year on the same pattern they did not pay my homeowners insurance yet again. It was due XX/XX/XXXX. I spent hours on the phone with them and was hung up on repeatedly. I again went to pay my insurance myself. This company has terrible customer service. Imagine if my home had suffered a fire or something bad. 2 years in a row they have my escrow money and cant seem to pay my insurance. I then demanded they cancel my escrow account as I have more than the ability to pay my insurance and taxes when they come due. Again I can not tell you the nightmare of what it takes to get these people to actually just do their job. Zero help. Zero accountability. Then after I had paid the homeowners insurance the clowns sent me a letter stating they were going to purchase separate insurance. In the middle of all of this. Penny mac really has not a clue what they are doing.
Consumer complaint received 2022-03-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

During the COVID-19 Pandemic, I got behind on my mortgage helping take care of elder family members and other family members due to the pandemic. I applied and received a forbearance of my mortgage payments under the CARES-ACT. At the end of the forbearance, I spoke with the representative of Carrington Mortgage about the different options of repayment. She explained the options, while I looked at it online and completed the forms via over the phone. When the papers came in the mail, the papers were different from what was discussed on the phone. The papers detailed the plan of repayment, but a lump sum was due to be paid after the loan term ended. When it was explained and discussed over the phone, the missed payments were supposed to be put at the back ended of the loan and I would just continue my current monthly payment. So, I called Carrington Mortgage to get this straightened out. A supervisor or case manager was suppose to call me, but never called. I called Carrington Mortgage to speak with them since no one called me back. At that point, after waiting for someone to get back to me, I was told that option is no longer available. So then, after discussing options again and waiting for more paperwork to come in, they presented me with my plan. This time, they reduced my payment, but again a lump sum is due at the end of my loan term. If I had an extra XXXX  I wouldn't have needed the forbearance to begin with. Prior to the pandemic, I never missed a payment or was late with a payment. Carrington Mortgage is not trying to work to resolved this matter. I can continue my original payments without a problem. I just would like my missed payments tacked back onto the back end of my loan instead of Lump sum being due at the end of my loan. This plan puts a second mortgage on my credit report and hurts my credit score. This plan hurts me all the way around.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a text message alert from Bank of American to confirm if I had open a checking account online. The account was sucessfully openened. Theh provided me with the informaration of the scammer. They usedd address XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, Florida - PH XXXX. The account was openened on XX/XX/2022
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sezzle Inc. (NJ)

I requested for this information to be validated which was not been. I also attached a ftc report i'm not sure if you received it XXXX can't really tell. 

XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Sezzle XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX ( XXXX ) XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX ( # XXXX, opened XX/XX/XXXX )
Consumer complaint received 2022-03-04
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-08-29
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
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: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX XXXX XXXX. was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in those account 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 XXXXXXXX, 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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 shall ( i ) 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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 about whom the report relates.
Consumer complaint received 2024-10-16
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/year>, I received notification of an account being added to my credit report from XXXX XXXX XXXX with an amount of {$8100.00}. I have never used this company before in my life. I sent the attached Validation of Account that includes the proper Consumer Laws.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (TX)

XXXX is still reporting negatively on my credit report, and the balance was paid in full. I was in constant contact with XXXX Apartments and their regional management staff. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. XXXX somehow became involved, and XXXX did not do their due diligence to investigate the facts of the issue. XXXX is reporting the account is still open, and it is not. It is an apartment that I no longer live in and a company that is no longer in existence yet ; my credit profile is reporting negatively? The account shows paid in full but categorized as a charge-off, and it was not. I need this account to be removed from my credit report.
Consumer complaint received 2022-03-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I have sent 20 Credit Dispute Letters to XXXX and XXXX4 Credit Dispute Letters to TransUnion regarding inaccurate information on their credit reports regarding XXXX XXXX Bank and they have refused to conduct an independent investigation to delete the inaccuracies. 

I have only received 31 letters from XXXX XXXX Bank stating, " In your correspondence, you did not indicate what specific information you were disputing or requesting to verify. '' That is a verifiable false statement just by reviewing the attached 34 credit dispute letters.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This alleged account with XXXXXXXX XXXX XXXX : XXXX was opened in my name under false pretense this is a demand and comply communication from the consumer and natural person XXXX XXXX, for the sole purpose pursuant to 15 U.S.C 1681c-2 block of information resulting from identity theft now under the FCRA your company TRANSUNION has 4 business days after the date of receipt to comply with this correspondence for this account reported as fraud I will be attaching a copy of my identity theft report, my drivers licenses, a bill in my name and a copy of my social for identification purposes.

This account being reported is a violation of the following codes pursuant to FAIR DEBT REPORTING ACT, FAIR CREDIT REPORTING ACT & the TRUTH IN LENDING ACT 15 U.S.C 1681d ( A ) ( 1 ) - 15 U.S.C 1681a ( d ) ( 1 ) - 15 U.S.C 1681a ( d ) ( 1 ) Please also understand that these accounts being reported is a violation under 18 U.S.C 1028 FRAUD ANS RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION DOCUMENTS, AUTHENTICATION FEATURES, AND INFORMATION. 

Please note this is not a request for an investigation or verification this is a demand and comply request to block this fraudulent account from reporting. 

The matter pertaining this account Is subject to litigation and will be brought upon every party liable for violating my rights as a consumer for my lack of consent, authorization & knowledge of such fraudulent reporting activities A DEMAND AND COMPLY complaint/dispute was sent to transunion via certified mail on XX/XX/XXXX and delivered XX/XX/XXXX and it contained a copy of my identity theft report, ID and social security card.
Consumer complaint received 2022-03-04
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)

Right now, I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EXPERIAN the method of verification for disputes in accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

( XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1000.00} XXXX XXXX  XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX {$710.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX {$1000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$830.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MXXXX )
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Right now, I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request TRANSUNION the method of verification for disputes in accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

( XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX  XXXX Balance {$1000.00} XXXX XXXXXXXX Balance {$570.00} XXXX XXXX XXXX Balance {$1100.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$710.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$93.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$830.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2023-08-24
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA (VA)

In XXXX of this year, I reached out to Mohela via phone call to speak with someone about an error they made to my credit reporting file. I was told that an investigation would need to be done and someone would get back in contact with me in 7-10 days. until this day I have never received a response, therefore I reached back out to Mohela, in the month of XXXX. However, due to high call volume and wait times I wasn't able to reach someone for a follow up response. I have asked Mohela to correct my credit file reporting for the month of XX/XX/2019, to reflect paid as agreed, however, their file continues to state that I was 90 days late for the of XXXX. How? This is the shortest month of any given year. Their error has affected my consumer credit report tremendously. I paid every month consecutively prior to XX/XX/2019, and my credit report states paid as agreed. This error has caused creditors to lower my credit card limit ( XXXX XXXX ). I wasn't late and I'd like for my credit report to indicate paid as agreed and remove the negative 90 days from my credit report and send an update credit report to me and all of the credit bureau ( XXXX, XXXX XXXX, and XXXX ). Mohela, has an obligation by law to report the correct information and this information isn't being displayed correctly on my credit report. I need the month of XX/XX/2019 past due to be removed to reflect their statement " paid as agreed never late ''. 

Respectfully, XXXX