davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I was provided a subpar rate for my home loan due to the fact Experian has been negligent in reporting information in my file correctly. They have violated FCRA and FDCPA and have willfully omitted information from previous reports sent to me that they continue to inaccurately report to creditors. My credit union provided me the following reasons for the rate based on Experian falsely and incorrectly reporting the following : XXXX - Too many accounts with balances : Most if not ALL my accounts aside from my home loan have a {$0.00} balance. So how many accounts with balances are you talking about? What's too many? 

XXXX - Too many consumer finance company accounts : I have NONE as in XXXX ( XXXX ) consumer finance company accounts which are NONBANK COMPANIES that offers loans! I have XXXX accounts that meet this criteria yet Experian continues to report this and has done for years without providing satisfactory reasons as to which account or accounts of mine they are considering NONBANK COMPANIES, my home is financed through a Credit Union and I have no auto loans. 

XXXX - Too many account recently opened - I have opened one ( 1 ) account in the last two years. How is this " too '' many accounts? 

XXXX - Proportion of balance to high on bank revolving accounts : My credit utilization never exceeds 5 % of my available limit, everything outside of my home has a XXXX balance. How can they say I have too high a balance. 

I believe Experian is choosing to intentionally continuing to report false and inaccurate information to lower my score because of my ethnicity otherwise why would I have to keep fighting the same issue for 11 years! This has gone on long enough!
Consumer complaint received 2024-10-01
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. (PA)

First premier bank is reporting inaccuracies on my consumer report a charge off account number XXXX for the month of XX/XX/year> status charge off, XX/XX/year> charge off, XX/XX/year> charge off .a charge off should only be reported with 1 accurate date this violates my Fcra rights usc 1681b ( e )
Consumer complaint received 2024-10-01
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MI)

I recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity theft I found numerous counsel on my credit report. They were not open by me. This has been hurting me as I am in process of buying a home for my family please remove the couch from my credit report as soon as possible.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

On XXXX XXXX I reached out to XXXX after filing a XXXX dispute and sending verification of identity to have misleading information removed from my profile. I also requested that my telephone number be updated because that is the only way to access your XXXX credit report online. The representive gave me the incorrect telephone number on my account beginning in XXXX and then refused to remove it upon providing proof of my correct telephone number which is XXXX.
Consumer complaint received 2024-10-01
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. (CA)

My right to privacy is of utmost importance, and I am asserting this right through this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you are fully responsible for upholding your duties with fairness, impartiality, and respect for the consumer 's right to privacy. I am invoking this right as specified by the law. Please ensure that all information in this matter is treated with the highest degree of fairness, impartiality, and respect for my privacy. Under 15 U.S. Code 1681b, regarding permissible purpose, I have never given this company authorization for any such purpose. They are in direct violation of this statute. I request that this account be removed from my report immediately as it is damaging my reputation, character, creditworthiness, standing, capacity, and more. Since it is your duty to protect my privacy, I need this issue resolved with urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXXg debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX  Account Number : XXXX Balance : {$56000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$5700.00}
Consumer complaint received 2024-09-02
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00} , XXXX  XXXX XXXX Balance : {$390.00}, XXXX XXXXXXXX XXXX Balance : {$900.00}, XXXX  XXXX XXXX Balance : {$440.00}, XXXX XXXX XXXX Balance : {$580.00}, XXXX XXXX XXXX Balance : {$83.00}, XXXX XXXX XXXX Balance : {$110.00}, XXXX  XXXX XXXX Balance : {$610.00}, XXXX XXXXXXXX XXXX Balance : {$820.00}, XXXX XXXX XXXX Balance : {$210.00}, XXXX  XXXX XXXX Balance : {$270.00}XXXX XXXX XXXX XXXX Balance : {$130.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX Balance : {$1400.00},, XXXX XXXX XXXX  Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$270.00}XXXX XXXX  XXXX XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$100.00}
Consumer complaint received 2016-01-12
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

Your recipient should have the money by XXXX XXXX, 2015. 


Paid withPayPal CreditMake a PayPal Credit paymentShip toXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXUnited StatesTransaction XXXX Seller infoXXXX XXXXXXXXXXXX XXXX Amount {$780.00} Fee {$0.00} Total {$780.00} See details on classic site
Consumer complaint received 2015-07-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (MI)

On XXXX/XXXX/2015, I was purchasing a {$3.00} item on eBay. I logged into my existing PayPal account, changed my payment method from " bank account '' to " credit card '', and clicked a green [ Apply ] button. After scrolling through some disclosures, which I assumed were updates to PayPal 's terms, I realized I had just opened a new credit account with a {$1000.00} limit! I do not want the credit account or even a credit pull on my credit history. Also, I received an email from " PayPal Credit '' saying " Thanks for making a purchase with PayPal Credit. '' That is not the payment method I used for the purchase.
Consumer complaint received 2015-07-19
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL (NC)

I am one month behind on my credit card bill due to changes to income and family sitatuion that were unexpected. I have cummunicated my current situation to the people at Synchrony Bank and it is like they do not care. They are calling my phone XXXX times per day a lot of times right after XXXX and within 2 hours of each other. This is harrassing and starting to affect my concentration at work as they are calling all day. I will pay them once I obtain the money ... told them this as well. My credit used to be XXXX and now has decreased to the XXXX since my hardship. I keep my word but trials come up that you must handle and this is one of them. Please help ... I am sure they are harrassing others as I and I am only one month behind. Next step is considering legal action for emotional reasons. Thanks for this site to vent.
Consumer complaint received 2016-03-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

The current Mortgage Servicer has an illegal foreclosure against our family home. We were APPROVED and in a loan modification trial period with the previous Servicer ( Resurgent ) when the mortgage was service transferred to a new Servicer ( Shellpoint ) who failed to honor the APPROVED Trial Plan and refused to accept payments from us so the account fell so delinquent that it reached a point where the balance due was to much to pay for us at the time. We reached out and made several attempts to request mortgage relief assistance with Shellpoint to no avail. They just want to take our home. They have failed to assign a SPOC or meet the Conditions and Requirements of contacting borrowers before filing Notice of Default under California Foreclosure Law and HBOR. We submitted several packages and documents on many occasions and they always lost the documents and failed to reply. They simply have us the run around and failed to help save our home. Now they have a trustee sale date of XXXX/XXXX/2016.
Consumer complaint received 2015-12-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (CA)

I have been getting hang up calls, every day from Enterprise Recovery Systems in XXXX, California. They are calling on a range of numbers, starting with XXXX through XXXX. They fail to leave a voice mail identifying themselves or who they represent. I also, to the best of my knowledge, never received a letter in writing from them.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

Equifax continues to avoid a serious issue i am having with an inaccurately reported account. They continually delete and reinsert even more inaccurate information and send it to my home pretending they have " updated '' and " investigated '' and received those conclusions but they are playing games with my credit report and my FICO score and most importantly with my emotions! XXXX is not reporting correctly an every time i correspond with them they keep sending me the same ridiculous letter saying it was " VERIFIED AS MINE ' and i keep telling them that its not the verification i am asking you to correct or investigate, it is your inaccurate reporting of the status and payment history in this account! Equifax is the only bureau that keeps changing things around and making this account worse on my life. Firstly, they were reporting this as derogatory with NO indications as to why so i disputed it asking why this account was in the derogatory section of my file and then they added on a 120 day LATE status to it. This account has NEVER been late, it was paid in full in XXXX the same month it was transferd as an overpayment from my student loan without my consent. Then i disputed the 120 day late because they blocked me from obtaining a home and applying for a mortgage and for months they avoided me and kept sending me ridiculous letters that its accurate. Then about a month ago i complained through the CFPB and they deleted the 120 days late and made it a collection. WHAT on earth is Equifax doing? This is ruining my life. I have never been on collection my entire life and they can not delete information and add information without listening to me and i even asked them for a method of how this was validated since XXXX and they have provided me with absolutely nothing and absolutely no proof that anyone has investigated this for me. Equifax simply sent me the same ridiculous letter and told me to contact whatever number i saw corresponding to the account, i called the number and it was the WRONG department and NOBODY could help me! This account needs to be deleted once and for all, i have already discussed my case with an attorney, i have LOST a mortgage on my dream home for my family, I have lost soooo much money on this inaccurate reporting an Equifax continues to play games with me and my report! They should be banished from the financial world, shame on them!
Consumer complaint received 2016-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (KS)

Account opened by my wife for XXXX was put in my name, sent to a collection agency ( XXXX ), was removed after disputing ownership of the debt, have since been contacted by a XXXX collection agency on behalf of XXXX still claiming the debt is mine after having disputed it previously with XXXX & the other collection agency.
Consumer complaint received 2015-11-12
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC (IL)

Collection agency ( XXXX XXXX XXXX ) garnished my wages back in 2010 collected the amount that was owed and now claims that i still owe them the same amount. They are using the law office of Blatt, Hasenmiller, leibsker & Moore LLC. They sent me a notice of motion I do not know if it is legit or fake.
Consumer complaint received 2016-01-08
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MA)

My household is continuing to receive calls from this company via an automated dialer. We answer the call, but no one is there. 

After the second call failure, my husband, XXXX XXXX, called back the number on the caller ID. XXXX - Operator ID XXXX was very confrontational and rude. He had no desire to try and help with this situation.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NV)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment 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
Consumer complaint received 2016-03-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have always paid my bills on time. In XXXX, however, my business suffered a severe financial crisis and had to declare chapter XXXX. My HELOC was discharged but we wanted to keep the house and so since then I have been working very hard day and night and have been paying my bills on time. I voluntarily caught up the payments on my HELOC in XXXX and then it was sold to a serving company who resold it to SLS. I have continued making on time voluntary interest payments for the past 5 years and have never missed a payment or been late. In XXXX XXXX the HELOC reaches 10 years and I will owe {$730000.00} balloon payment. There was a clause in the original contract that they have the option to refinance. 

I called SLS XX/XX/XXXX to ask them if I could refinance in good time so that we do n't wait to the last minute and have any problems as I can afford the monthly payments, but not a lump sum of {$730000.00}. The person who answered seemed very unknowledgeable and incompetent and said because it was discharged I could not refinance. ( But it was discharged and they have happily taken my voluntary interest payments ). I was told to write a letter with my request and they would get back to me in 5 days. I have faxed the letter and mailed it and they are ignoring me. 

I am feeling like they are loan sharks who took over the loan, and have been taking my interest payment money while waiting for the balloon payment to come due, and then instead of working with me to try and extend the loan or refinance the loan, they are just waiting to pounce on it and take it from me as soon as the balloon payment date arrives. 

We are trying to refinance through other banks and this could very well happen, but just in case it does n't, I need to keep all options open, and I wish they would cooperate with me, be reasonable and discuss our options, so we can get this taken care of in good time.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Today I received in the XXXX Mail a letter from " Equifax '' credit bureau dated " XXXX XXXX, 2015. '' On this same letter under the column " Previous Addresses, '' it incorrectly states that I lived at " XXXX. XXXX XXXX ; XXXX, California ; XXXX '' as " Reported : XXXX. '' I have NEVER lived in " XXXX, California. '' I 'm not really sure where it is at. I am a victim of " Identity Theft. '' For the last 18 years I have lived in the XXXX, California area. When I called up " Equifax , '' they refused to " Delete '' this false XXXX '' address from my " Equifax '' credit file!
Consumer complaint received 2015-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.C. System, Inc. (NY)

Time warner cable sent the account to collections prior to me returning their equipment after I cancelled the service due to a move about one month ago. The debt collector, IC systems, never contacted me about the payment and instead, they called my partner to say there was a debt owed by me, revealed the account it related to and the total amount due. As per the FDCPA, this is a clear violation as they can only contact relatives and the like to LOCATE the person. They can not reveal identifying information. What is more of a problem however is that they never attempted to reach me prior to making this call. I have no missed calls, mailed letters, emails or the like from anyone matching the company number. I also do not have any missed calls in general from any unknown numbers as I went through my call log for the last month to see if I had somehow missed a call.
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My mortgage servicer has unfairly denied my application for a loan modification. They made an error in the utilization of income and they denied the modification based on only a portion of the income calculated. This decision was appealed and SPS reviewed the file again and once again denied the modification. The denial was contradictory and was disputed. I have not received a written final denial in violation of the XXXX guidelines.