davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Date Error : My payments for XXXX and XX/XX/XXXX were made on time. I have provided bank statements and payment confirmation receipts which clearly show that the payment was processed before the due date, but the creditor erroneously marked it as late. 
Technical System Failure : Upon reviewing my account activity, I identified that there was a technical issue with XXXX  XXXX 's payment processing system during that period. This error delayed the application of my payment, though it was sent on time, as confirmed by the confirmation number I received after submitting the payment. 
Clerical Mistake by the Creditor : In addition, it seems that XXXX XXXX applied my payments to the wrong account, causing a delay in crediting my account on time. I have documentation showing that this mistake was recognized internally by XXXX XXXX customer service. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

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

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

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

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MN)

I contacted XXXX to obtain services in XX/XX/XXXX. They informed me I could bundle service with XXXX. I decided that was an option I wanted. I was informed that before any billing would start the installation employee would come confirm that my residence was feasible to obtain services. The installation employee informed me that there were too many trees on my property to obtain XXXX service. He put me on the phone with a manager would informed me that all contracts would be null and void, and he was sorry I could n't obtain there services. XXXX days later XXXX sent me a bill for services rendered. I did n't obtain any services from XXXX as I did n't obtain the bundle from XXXX. I sent certified mail response requesting : 1 ) Proof that I am a customer and had requested services 2 ) Proof that services were in fact rendered at my address 3 ) If XXXX could n't provide proof that they stop sending me collections. I received no reply, but did receive a collections notice from a third party collections agency. I sent the collections agency the same XXXX questions i sent XXXX. The collections agency responded informing me that they in fact could n't prove any services were rendered and would be sending the account back to XXXX. XXXX link then sent me another collections notice on their behalf, and I again sent a certified mail response which received no reply. Now on XX/XX/XXXX, another collections agency is requesting payment of debt on behalf of XXXX at the amount of {$290.00}. This has caused me XXXX as I have NEVER missed any payments to ANY of my creditors. XXXX can not prove I had received or asked for any services. Yet, they refuse to respond to me correspendece. XXXX practices are in direct violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2015-07-12
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (NJ)

Its a pretty simple issue. I have a credit card balance that I 'm trying to pay down, and my credit card company Chase offers XXXX methods for setting up a recurring monthly payment. You can either auto pay the full amount, or you can auto pay the minimum amount. They offer no option to auto pay an amount above the minimum, but below the full amount, therefore making it harder for the average consumer to automate and pay off their debt at something other than the minimum amount due. Its obviously unethical on their part in an attempt to force people to just pay the minimum and incur the highest amount of interest possible. The ability to offer an option to create my own payment on a recurring basis that is above the minimum payment would obviously be in my benefit and not theirs, so they do n't offer it although its an incredibly simple enhancement to make to their site at Chase.com.
Consumer complaint received 2015-07-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc. (OH)

I filed bankruptcy on XX/XX/XXXX and continued to pay both XXXX and XXXX mortgages through the trustee, I was not in arrears when i filed and was never late or missed any of my payments to the XXXX then converted to a XXXX and was discharged on XX/XX/XXXX.I did not reaffirm either account but did choose to continue making payments.My XXXX mortgage is through real time resolutions in XX/XX/XXXX one month post discharge they reported me late.Which brings XXXX issues number XXXX this loan was discharged it is a violation of my automatic stay to report past the filing date and certainly past the discharge date.I have disputed with the cras and i have called real time and they said they could report on this account.This information is on all XXXX credit reports that this loan is discharged in the bankruptcy so at this point i am bringing it to your attention 1 more time.This type of reporting violates one of the basic tenants of federal bankruptcy law that they are reporting on discharged debts.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

i have disputed these items with experian more than XXXX times and they will not remove them. I HAVE NEVER HAD a deliquent XXXX case with the courts i have submitted papers from the friend of the courts showing i donot have a case there and have not had a child support case there. My student loans are also not late and i have asked for them to be updated on multiple occasions. i have also requested proof of these late payments and this XXXX case and have not received either. this is my XXXX or XXXX dispute with the bureaus with these items
Consumer complaint received 2015-07-12
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (TX)

I have had a open auto loan with Westlake financial since XX/XX/2014, and they have yet to report my good payment history to the credit bureau. I have called several times as well as submitted a copy of my social security card and nothing has been updated.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC (IN)

Continues to do business under multiple names. 

XXXX Mortgage and Finance of America. They are closing loans under XXXX and marketing under the other. They have XXXX sets of business Cards. They work for Finance of America but advertise as XXXX Mortgage. How can someone do business under XXXX names?
Consumer complaint received 2024-10-17
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. (NC)

I am urgently requesting your immediate attention to a critical matter involving identity theft, which has resulted in multiple fraudulent accounts and unauthorized inquiries being added to my credit report without my knowledge or consent.

Despite numerous attempts to resolve this issue directly with the credit reporting agencies, I have not received any satisfactory response or corrective action. I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am now requesting the swift removal of these unauthorized items from my credit report. 

There are 2 fraudulent accounts and 2 unauthorized inquiries that must be removed immediately. These items are causing significant damage to my credit profile, and it is crucial that my credit report reflects only accurate and legitimate information, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

[ ACCOUNTS ] XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ] - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXXXX/XX/year> I am requesting the Consumer Financial Protection Bureau XXXX CFPB ) to take immediate action to ensure these fraudulent items are removed and my credit report is restored to its accurate state. 

Thank you for your urgent attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2015-07-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NY)

A Debt Collector, Convergent Outsourcing, is reporting to credit agencies that I owe " XXXX '' {$2900.00}. I never had an account with XXXX, nor have received any communication from Convergent Outsourcing. Upon calling Convergent Outsourcing at ( XXXX ) XXXX, the phone number they listed on my credit reports, and provided them with the account number they reported on those reports, XXXX, Convergent Outsourcing said they could not locate my account, and the number provided was wrong. I also called XXXX at XXXX, and they said that the account number was not even the correct number of digits, and that they do n't have any account under my name. I never received any letters or calls from either Convergent Outsourcing or XXXX leading up to this. Thank you in advance for your assistance.
Consumer complaint received 2015-07-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (CT)

I received a notice to pay {$1000.00}. 
It is a scam I do not have a bill with XXXX XXXX XXXX. The account was closed after 10 years. 
THE original account # : XXXXreditor : XXXX XXXX XXXX, XXXX. 
Convergent Account : XXXXOriginal Creditor : Household Orchard BankDear CFPB : The credit card I once had with XXXX XXXX was closed after 10 years. The account was in 2004.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-17
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)

I would like to dispute the following accounts on my credit report. 

XXXX : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Experian : XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX
Consumer complaint received 2015-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (KS)

XXXX XXXX ( servicing company ) sold my mortgage to Select Portfolio Services ( SPS ) in XX/XX/XXXX. I was approx XXXX months behind on my mortgage when the change occurred ( XX/XX/XXXX ), once the loan was transferred to SPS, I paid {$3000.00} on XXXX in effort to catch up to what I was behind, per the statements from XXXX, with a remaining balance of {$300.00}. In XX/XX/XXXX, SPS sent a statement indicating that I was behind {$7600.00} which included the arrears, there was an amount of {$2800.00} was assessed in compounded interest which was deferred interest that should have been added to the end of the loan per a XX/XX/XXXX loan modification agreement I signed with XXXX. The {$2800.00} was instead added to the loan, and I was also advised of a {$1900.00} escrow shortage. I received XXXX notice of a escrow shortage, and there was no indication there was an issue. As a result of the escrow shortage, SPS placed Forced Insurance on my mortgage, and my payment went from {$1200.00} to {$1500.00}. I spoke to SPS about the problem and explained to them the lack of notice about this escrow shortage, and the forced insurance was cancelled but after XXXX months. I was not returned the amount that was assessed as a result of this insurance, when in fact, this insurance should not have been placed on the account in the first place. I ask that CFPB look into the practices by SPS as they have placed a financial burden on me, due to having to my payment going up, and this has caused significant stress this has placed on my personal life.I want to stay in home and would like to continue to make my payment, but the lack of miscommunication, and the error by SPS have been become far too many, and I bring this to your attention, as there very well may be other in my situation.
Consumer complaint received 2015-07-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (TX)

Reporting to the Credit Bureau ( XXXX ) that my debt is paid in full, however its 120 plus days late. I 've contacted them XXXX times and they keep telling me that they are reporting it correctly. Yes, it is showing Paid in Full, however they will not change the status which shows it is over 120 days past due. The account has been paid for over a year, but its affecting my credit score on XXXX. This last time I contacted them, they simply sent me a letter that they had already sent me on XXXX XXXX. They did n't even try to correct this issue. I 'm reaching our to you all before I sue in court. This is costing me money because my interest rate is higher because of this. XXXX score is XXXX points less than my other XXXX scores and its all because of this erroneous reporting. They are breaking the law by reporting erroneous information according to the FCRA.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Someone is beginning to use my identity. They have requested a credit card under my name from XXXX which was denied. Was hacked into XXXX of my credit cards with XXXX XXXX. So far no problems. I suspect who is doing it, but none of the XXXX agencies are doing anything to help
Consumer complaint received 2015-07-11
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (DE)

I recently had a credit card charge declined ( credit card company Chase ) and contacted customer service for the credit card company for an explanation. As part of their security questioning to ensure that I was the cardholder, they asked me specific security questions which involved verification of information I had never disclosed to them in the past. For example, in XXXX question ( which had multiple choice answers ), I was given choices for the " height '' that is listed in my driver 's license number. For another question, I was given choices for the " profession '' in which I hold a professional license. While I understand that this information is available in the public domain, I find it unethical and disturbing that the credit card company is " mining '' this information from the public domain and connecting this information to my account. I am happy to answer security questions for which I have provided the " security answers '' previously, but it is absolutely WRONG that this credit card company ( or perhaps they all do it! ) is allowed to use information I have never given them for security verification purposes. Given the frequency of data breaches in the modern world, having this additional personal information connected to a credit card account gives hackers even more information to be able to steal identities and commit fraud.
Consumer complaint received 2015-07-11
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (DE)

I received a letter in my mailbox from netSpend out of XXXX, Texas it is a Prepaid MasterCard that you can load your full or percentage of your paycheck to. This company even provides you with a Routing number XXXX and an account number XXXX through XXXX, ( this is not my information it is theirs ) I believe they are in XXXX XXXX, South Dakota. The thing about this prepaid card is in order to set it up you have to enter the XXXX digit card number and then the # key. Then they ask you for your SOCIAL SECURITY NO. and DOB. You can not speak to anyone at this company until you do those following steps. What makes this situation weird is I am unemployed and as random as this card is there are over XXXX complaints on line from people who have given this information on line and have lost their paychecks and have bills that are past due. 
I actually put in a fake SS no and a fake DOB to see what would happen and I was able to give the card a XXXX digit pin. What makes this bad is after I spoke with this company over the phone I got an email where someone had changed the pin number. This company is in the business of scamming people out of their paychecks by making them use their financial institution to deposit their money. Many people are not aware that this tactic is illegal. The mention on the letter that they do not accept printed checks, they do not accept deposits via wire transfers, if you do they will return the check to you or destroy it. Only the person on the card can make the direct deposit. The note directly under the card says " I indicated that I had an interest in the card and that is why they sent it to me ''. I have never heard of this company nor did I intentionally or unintentionally ask for this card- so that is a lie. Once a customer signs up for this card giving them their social security number the company now has access to your credit and all of your other banking and credit reports. They take money from your account, add stop payments to other bills to other companies and put stop payments out on you.
Consumer complaint received 2015-07-11
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I do n't know if I have the right email address but I would like to file a compliant on Bank of America Mortgage practices. I was in the process of selling my home and XXXX liens were placed against my house from previous loan modifications. We were ready to move forward with closing and we received a letter from Bank of America stating they are going to forgive a subordinate note in the amount of {$52000.00}. After further research I found out this forgiveness was part of Bank of America 's terms of settlement with the justice department over mortgage fraud allegations. My problem is that I contacted Bank of America to receive a letter stating they were going to release the lien on the property with this forgiveness letter that I received. However, when I contacted the Bank for the letter to release the lien, I was told that the process will take anywhere from XXXX months for the lien to be released. They said that this is because the justice department takes so long to process the request and they have no control over this process. So here I am as a consumer for the bank, ready to close on my property and I ca n't take part in this forgiveness because I do n't have a clear title. I would have to wait XXXX months to be able to relist my house and then find a new seller to purchase my house. I would lose my buyer because of the XXXX month delay. 

I feel that Bank of America is taking advantage of the situation they have with the Justice department and not providing the relief to the consumer which is the primary purpose of the fine. Bank of America did n't send this forgiveness letter until I inquired about paying off the property. If I close on the house, I lose the ability to take part in the program. I feel that the XXXX month window to release a lien is unrealistic and down right unfair to the consumer. I have asked to speak with a supervisor multiple times and left XXXX voicemail 's with the supervisor to discuss my issue. 

I am put in a difficult situation in which I can either move forward with selling my home, paying the subordinate note in full and losing the opportunity to take part in the program. I am furious with the customer service, the response time and overall experience with Bank of America. 

Thank you for the time.