davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

To whom this may concern : Im writing this letter to inform of my consumer laws are being violate. 

XXXX XXXX Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans Fair Credit Report 1692e. False and misleading information ( the contract you allegedly signed has violations ) Reselling the account to another company is a violation The loan itself is a violation of 15 USC 1605 ( a finance charge ) which violates a contractThere is no question of the general doctrine that fraud vitiates the most solemn contracts, documents, and even judgments '' XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX ). By this principle, this matter should never have reached this Court 's attention.

Nothing can be on a consumer report without your permission/ factual information isnt suppose to be on a consumer report ( 1681 ( 2 ) ( A ) ( i ) otherwise it constitutes as identity theft due to no consent1681a ( q ) ( 3 ).

This account is also a duplicate account from a loan servicer.

this account is also over the statue of limitations Ok 7 years Please remove account from my credit report Thank you XXXX XXXX
Consumer complaint received 2022-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CT)

1. Due to local revaluation above lender recalculated my escrow payment component, increasing my total payment by {$240.00} to $ XXXX, effective with the payment due XX/XX/XXXX. I don't recall receiving the required notice by email but am not complaining on that basis. ____________ XXXX. Unaware of this, I automatically paid my historic balance a few days early. ( this was improperly applied to Additional Principal ) I received payment reminder calls saying my bill had not been paid. On XXXX I spoke with a phone representative and paid the missing {$240.00} and was told both would be applied to my monthly payment. 
____________ XXXX. Despite that payment being taken that day, it was not applied to my bill, and the online account reflected that I still needed to pay another {$240.00}, which I did alongside my regular payment. 
____________ XXXX. Due to the errors in Para. 2 and 3, a late fee of {$4.00} was incorrectly applied to my account. 
____________ XXXX I paid my XXXX bill a few days early in the updated, full amount, bringing my account more than current over the XXXX months since the monthly payment changed. Despite this, my bill reflected Incorrectly that I still owed over XXXX in past due bills. 
____________ XXXX. I spoke with an agent by chat on XX/XX/XXXX. They noted that payments would be applied to principal if made before the " due date '' of the first of the month unless they changed their system. They agreed to change my assignment defaults and recharacterize the old payments to correct the issue. However, that resolution was not processed on all of the payments as discussed ____________ XXXX. As of now, following the second customer service interaction to correctly characterize payments of the past 75 days, my XX/XX/XXXX payment is listed as Additional Principal, my XXXX payment is listed as " unapplied funds ''
Consumer complaint received 2024-10-31
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. (IL)

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 2024-10-31
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. (IN)

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, XXXX, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, XXXX, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian the opportunity to make this matter right by way of the following ; XXXX has ignored the fact that XXXX and the Bankruptcy court stated that they are not reporting this information to them experian and XXXX has removed the information, XXXX is not abiding by fcra and fdcpa credit laws see attached documents. These accounts are inaccurate and should be removed as soon as possible : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, Bankruptcy Court. Inquiries : 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 XXXXXXXX XXXX.REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION,
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts 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/updated. 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. 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!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 EXPERIAN 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! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH capital 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2022-11-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I contacted Pennymac bank in XXXX of XXXX to inform them that I had recieved a property tax exemption for XXXX, XXXX XXXX due to my XXXX XXXX disabled veteran status and requested next steps to get my mortgage Payment adjusted to account for the exemption The gentlemen took my information and information for the county and said give it a couple weeks, Pennymac will send a letter. 

Approximately middle XXXX I followed up, this time I sent a copy of my exemption letter via Pennymac message portal. Again I believe I got a reply " thank you for updating us, allow us some time and we'll get back to you. 

In XXXX or early XXXX timeframe I contacted Pennymac customer service to ask about status. I was told over the phone that the adjustment would be made once they got a bill from the county. 

With that bit of information, I called XXXX XXXX to verify that my tax exempt status was in force and asked when tax bills are sent out. XXXX XXXX explained that bills are sent out in XXXX and XXXX. Therefore, Pennymac should have recieved a XXXX XXXX reflecting that status and been able to make the adjustment. 

I asked the county for a letter explaining my exemption status, how much I had been taxed, and how much my future taxes would be ( XXXX given the exemption ). Once I recieved the letter, I forwarded it and the original tax exempt letter again to Pennymac in XXXX, along with an email explaining all the steps I have tried to take since then. It was at this point I realized I need to start saving every piece of correspondance -- correspondance attached ( it will be the XXXX time I am sending the original exemption letter. ) Since sending that letter, I have recieved a reply saying it was elevated to their tax department but still both my XXXX and XXXX statements reflect the unadjusted amount and I have received no other correspondence explaining why they can not make the adjustment or when they will be able to adjust for my Veteran Exempt status. 

In short, it has been XXXX months since I first notified Pennymac of my status and request to adjust. Outside of standard form replies I have received no explanation of why they are unable to make the adjustment or what else ( if the XXXX letters are insufficient ) they need to fix this
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (AL)

On XXXX XXXX i was called at around XXXX XXXX while i was still at work, a lady stated she was looking for XXXX, i told here thats who i was, she stated she was from navy federal and that i had an account that was negative $ XXXX dollars, i stated i was aware and wanted to take care of the account but currently could not because i had no way to make a payment due to not having my debit card with me, she refused to call me back in 1 hour, or allow me to go to the branch to handle this matter, i explained my situation, she was very rude in the matter and then stated several times she could only debit the funds from a diffrent account i have with there institution. I stated i would like to handle the payment either in the branch or to call me back in one hour, she refuesed and stated she would just take the funds out of my other account. At that point in time i stated i do not agree with that transaction and that i would only allow half of the amount be taken out and the other half taken out on XX/XX/XXXX. She never gave me her ID number or full name, or her location she was calling from, she never offered to transfer me to her supervisor or clarified where i agreed to XXXX XXXX  policy to just take a payment from someone without there consent which she said she would do if i agreed or not. Once the payment is taken out on XXXX XXXX i will be closing my account with this institution due to there practices and i believe violations that occured during this single phone call, i have never had an issue with this bank until today when this employee called me!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX  XXXX
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credova Holdings Inc (TN)

My previous CFPB complaint was closed without any REAL investigation. I provided a FTC identity theft report as well as proof from of my credit reporting displaying inaccurate reporting from this collection company. If the debt is indeed valid, how is that my XXXX report is showing 100 % PAID... meaning NO PAYMENTS MISSED, while XXXX is missing completely, and XXXX has gaps in payment? This company did NOT do their due diligence into investigating my claim. Instead, I was sent a copy and paste letter with demanding sensitive documents such as a driver license ( which I will NOT provide to a company with such blatant disregard for the law. ) They sent me a contract that has a digital signature of my name ( simply written out as " XXXX XXXX '' ) and nothing else showing that this debt is in fact mine. 

I will be making a complaint to my state 's attorney general, XXXX XXXX XXXX as well as Mississippi 's attorney general XXXX XXXX XXXX to assist me with combatting the illegal practices of this collection agency. I will not provide you with my driver license. I have provided you with my FTC report and proof of your tacky and inaccurate reporting. This entire dialogue will be forwarded to any government official who can assist me with this.
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

Please refer to complaint XXXX SUBMITTED ON XX/XX/2022 Started the process of a loan modification recast on XXXX XXXX XXXX XXXXXXXX XXXX in XXXX with a one time payment of {$200000.00} that was posted XX/XX/2022. We were told the process of the recast would take a few months. As the process started, BSI Financial customer service including XXXX XXXX ( via secure messaging ) reached out that we needed the escrow balance to paid in full to cover for insurance and property taxes. The escrow payments were paid immediately, same day as we received notice ... and then we waited. The wait on response carried on from between XXXX then we received email notification that the documents would be sent out via XXXX  for signature to complete the recast process. We were also provided the new mortgage payment amount of {$1800.00}. We waited for documents but no documents were received. We would respond to XXXX XXXX and customer care at least once a week for a status update. As time went on, we remained patient. No response, no documents, and the email communication with XXXX XXXX was silence. As I write this on XX/XX/2022 no response, no emails, no calls from anyone from BSI financial. We do make best effort to call a few times a week, hoping to talk with XXXX XXXX, his supervisor XXXX XXXX, or their manager XXXX XXXX. XXXX XXXX was the assigned agent when we started the process in XXXX, XXXX. To this day, we have been making monthly payment in the amount of {$1800.00} but are anxious-worried about the recast not being finalized and perhaps we can help others in the same situation. Sincerely, XXXX XXXX XXXX XXXX Mobile XXXX Property Address XXXX XXXX XXXX XXXX. XXXX, XXXX  XXXX An attachment was posted on the previous complaint but we are unable to open the file. The mortgage company has not reached out or resolved the loan modification since starting the process.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MD)

On the evening of XXXX XX/XX/2023 I received a credit card statement in the US mail from XXXX/Comenity Bank stating I owe them {$1000.00} for a purchase made on XX/XX/2023 at XXXX XXXX XXXX XXXX XXXX, NC. 

I live in XXXX XXXX, MD. I do not have nor have I ever applied for a credit card from XXXX and I've never been to XXXX, NC. I've reported this fraudulent incident to XXXX, Comenity Bank, and all three credit reporting bureaus. The incident is currently under investigation with Comenity Bank ( the credit issuer ). 

I have also filed a report with the XXXX XXXX Department ( report # XXXX ). In the report I asked the PD to please contact the XXXX store in XXXX XXXX to ascertain who made the transaction on XX/XX/2023 for {$1000.00} via a credit card under my name.