davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MS)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-15
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (TX)

The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also documents so I may review to see if this is actually an account that belongs to me as well as law 15USC 1692 c ( c ) which clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KY)

In XXXX XXXX, I received a notification about a debt that, unbeknownst to me, had been ongoing for a few years. I only became aware of this issue when I attempted to purchase a car. At the time the debt originated, I had reported it as fraud and subsequently placed a freeze on my credit, which can only be accessed with a PIN. I thought it was resolved - In response to this notification, I requested verification of the debt. The credit collector provided me with a statement and a cardholder agreement as proof that the debt was mine. However, there was no application or identification included, and the debt originated from a bank located in a state where I did not live in.
Consumer complaint received 2024-08-15
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. (FL)

On XX/XX/2024 I checked my consumer reports and found that there was inaccurate information being reported. Contained in the letter attached to this description of my case is a thorough explanation of my situation.
Consumer complaint received 2016-02-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (LA)

I initiated a Deed In Lieu foreclosure in or around XXXX XXXX. As per guidelines, I listed the house for sale for a period of more than 6 months. At the time, we were not given an offer. In or around XXXX XXXX, we proceeded with Deed In Lieu paperwork. As time went on, I would receive letters that required notarized signatures. Around XXXX XXXX, during a routine call, I asked the Loan specialist when would the final judgment be declared. She said all paperwork and final cancellation of loan should occur around the end of XXXX XXXX to the beginning of XXXX XXXX. In XXXX XXXX, I called and asked for a status on the loan. She informed me the paperwork was " at the clerk of court for XXXX county ( parish ) awaiting title clearance for house. '' For four months, I called every other week and received the same response. 
On XXXX XXXX, XXXX, I spoke with loan specialist supervisor. He explained about a problem shellpoint had with the third party law firm that was contracted to finalize the paperwork. I was told that the law firm sent the paperwork and a check to pay off all outstanding taxes to the clerk of court and that it was {$25.00} short. The clerk sent all paperwork back to the law firm. During this time, that law firm closed down. A new law firm was contracted and was attempting to find all lost paperwork from original firm for more than 2 months. At that time, he said he would start new paperwork that would have to be resigned and notarized again. If old paperwork was not found, the new paperwork would take an additional 2 months to get finalized. I asked if, after all paperwork was completed, that my credit would reflect any past due amounts ending in or around XXXX XXXX due to the fact that the error and delay were on the part of Shell points vendor and not because of myself or my wife, the cosigner. He said he would call me back after paperwork was completed and speak about it. 
By XXXX XXXX, I received word that the Deed In Lieu was approved and finalized and would reflect on my credit file within 30-60 days. I asked about showing past due payments only to XXXX XXXX and was told they would look into it. 
Around the end of XXXX I received notice of a credit change on file. I saw XXXX and others showed past due payments to XXXX XXXX. I have since tried to call the loan specialist and supervisor and left several voicemails with no answer back.
Consumer complaint received 2015-04-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

XXXX XXXX XXXX sold my mortgage servicing to Green Tree. Every since then it is taking XXXX3 weeks for my mortgage payment to get to XXXX, XXXX from XXXX, XXXX. They call my home before the XXXX and tell me I am late. Something is happening to the payment via mail. I do not want this company to debit my checking account for the monthly mortgage payment. This month I mailed my payment on the XXXXof of XXXX. Today is the XXXX and the payment is still not there. I have been sending my payment certified mail for the last 18 months. Please see below ; Tracking Number : XXXXImage of a progress bar displaying in-transit statusin-transitProduct & Tracking InformationPostal Product : Extra Svc : Certified MailDate & TimeStatus of ItemLocationXX/XX/2015, XXXXDeparted USPS FacilityXXXX, XXXX XXXXYour item departed our USPS facility in XXXX, XXXX XXXX on XXXX XXXX, 2015 at XXXX. The item is currently in transit to the destination. 
XXXX XXXX, 2015, XXXXArrived at USPS FacilityXXXX, XXXX XXXX XXXX, 2015, XXXXDeparted USPS FacilityXXXX, XXXX XXXXXXXX XXXX, 2015, XXXXArrived at USPS FacilityXXXX, XXXX XXXXBasically, I mailed my mortgage to GreenTree on XXXX/XXXX/15. It arrived in XXXX, XXXX on XXXX/XXXX/15. From there the post office supposedly sent it to delivery at GreenTree. However, the mortgage payment has disappeared. Most months it disappears for a week or so then it shows up. Something is wrong. I have 18 months of certified tracking show this problem. Please assist.
Consumer complaint received 2024-08-15
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 XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX 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 2016-01-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (MI)

In XXXX, after becoming XXXX I could n't keep up with my credit card account and it went into collections and the account was sold a few times. In XXXX a collection agency by the name of XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX Georgia XXXX tried to sue me for the money. We then when to mediation made a settlement agreement on the account, I paid the settlement making my last payment XXXX XXXX, XXXX I then requested the pay off letter, which I never received even after contacting the XXXX County Court in XXXX & XXXX. The only statement I got from the court was to keep contacting XXXX XXXX XXXX office because as an XXXX they could n't advise me on this case. I have contacted my financial institution regarding all payment records regarding this matter and I will be able to get them and forward them when it is necessary. On XXXX XXXX, XXXX I received a notice from my credit monitoring service that XXXX XXXX XXXX has filed a civil case against me for the remaining balance on this old account after I paid the settlement in XXXX. Today is the first time I became aware of the shady practices of this company and the Lawsuit won against them for doing this to several consumers.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (HI)

I WENT TO XXXX AS SUGGESTED BY XXXX FICO TEAM AND THIS WEBSITE.  I ORDERED ALL XXXX CREDIT REPORTS. I RECEIVED THE FIRST REPORT FROM XXXX AND SAVED IT. I THEN DISPUTED AN INCORRECT ISSUE AND RE-SAVED.  I WAS THEN PREVENTED FROM PROCEEDING WITH THE REST OF THE REPORTING. I WAS, HOWEVER ABLE TO NAVIGATE ANYWHERE ELSE (PURCHASE CREDIT PROTECTION OR ORDER A FICO SCORE). THERE IS NO PERSONNEL ANSWERING THEIR LINE.  I THEN CONTACTED THEM VIA THE ONLINE "CONTACT US", BUT HAVE NO WAY TO GO BACK TO MY REPORT.  THIS IS UNACCEPTABLE.
Consumer complaint received 2015-07-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had a Bank of America and had ID theft on my Checking with XXXX.
I immediately restored my account with Bank of America and submitted the police report and Affidavit of Fraud to let them know. Bank of America stated they would not change th information and that I did fraud against my self and they will keep the information no matter what was sent in for proof.. I was also helped by XXXX to freeze my credit reports and notify all business in question.

I am now not able to get another account because of what was written.
I still have my XXXX account but wanted to get another account for safety reason can you please address this issue as I have take all necessary steps to protect myself.
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (OH)

Got a mortgage through Quicken Loans - final paperwork was handled through XXXX in XXXX, MI. Mortgage closed on XXXX XXXX, 2016. Mortgage consolidated XXXX loans : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX installment loan and XXXX XXXX car loan. I assumed that when these things were being consolidated into XXXX new loan that the other debts would be paid off - that is how we did things when I worked at a bank in the XXXX. I was disappointed when the credit card was not fully paid and I still had a fairly large interest payment to make on it. But when I found out today ( because I see the balance on my XXXX account ) that the XXXX XXXX XXXX XXXX Installment loan was not paid in full - which explains why I continue seeing them on the Declaration Page of my auto insurance I 'm annoyed. When I talk to XXXX XXXX XXXX XXXX they tell me that I not only still owe {$330.00} on the loan with them but now accrued interest - I do n't think I should be liable. I find XXXX XXXX XXXX XXXX remiss/unethical/slimy because they could have informed me when the loan was attempted to be paid off that it did n't quite do the trick and allow me to pay it off before interest accrued. They have had no contact with me about this underpayment at all! But what really bothers me is that Quicken Loans made an underpayment in the first place. I remember getting loan payoffs and the payoff was good through a certain date and each day after you would add a little on - so we always had accurate payoffs. When I mentioned this to Quicken Loans and XXXX XXXX - both told me they do n't do that except for a mortgage payoff. They just ballpark the number based on what is on the credit report they ran. They told me that we were likely told this was the case. I can only say if someone told me they were ballparking the number - I would have called and gotten payoffs myself - rather than having continued to accrue interest on accounts I thought were paid out. I 'm not sure if this is an illegal practice - or just a shady practice that shows these places do n't care at all about their customers. So I 'm sending my complaint to you so I can find out. Honestly - are all banks shady???? Both XXXX XXXX XXXX XXXX and Quicken Loans have shown me they are!
Consumer complaint received 2015-05-29
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (TX)

american express continues to submit false information to the credit bureaus. I filed a complaint with XXXX and they repaired my report plus denied American Express access. 
Now they are submitting false information as if I have active accounts which lowers my credit report. 
Due to illness, I could not pay them and was charged off in XX/XX/2012. They continue to manipulate my report resulting in a XXXX point spread between XXXX and XXXX. I could really use your help as I view thjis as fraud. They also tried to say I opened new active accounts which may or may not still be on report. At this time they show my account as active when it was written off XXXX years ago. Thank Your
Consumer complaint received 2024-08-14
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. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account This account is hurting my ability to obtain credit. It is my understanding that XXXX, would investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX XXXX XXXX Account Number : XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have disputed multiple accounts on my XXXX credit report including XXXX accounts with XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, multiple times during the period of XX/XX/year> thru XX/XX/year>. I have filed an identity theft claim with FTC concerning the XXXX XXXX XXXX Account. I have no knowledge of the vehicle attached to the account. There are inaccuracies and discrepancies on the other accounts that are being reported and are having a negative effect on my credit scores and financial well being. Each time I have disputed these accounts, XXXX has CLAIMED these accounts has verified that the accounts belongs to me AND are reporting XXXX XXXX  accurately. However, the information that is being reported to each bureau is completely different such as balances of the account, date of last activity, date last reported, etc. These inaccurate reporting are in direct violation of the Fair Credit Reporting Act Section 623 which requires that when a company provides information to a CRA, the are obligated under the FCRA to ensure the accuracy of the information that is being furnished. It is illegal per the FCRA to report information that is inaccurate. And the credit bureaus have an obligation to only report true and accurate information. As well as to PHYSICALLY investigate disputes of these inaccurate items in which I do not believe XXXX has done at all. The credit bureau has continuously failed to PHYSICALLY PROVE ownership of the reporting of these accounts nor have they PHYSICALLY VERIFIED the accuracy of their reporting per the FCRA guidelines. They contine to electronically " verify '' these accounts via the e-oscar system. They allow creditors to " batch verify '' thousands of accounts by merely pressing a button instead of requiring PHYSICAL verification.This practice is appalling and should not be allowed. It is obviously unreliable and flawed. The FCRA states that if any aspect of the account reporting is not accurate, the entire account MUST BE REMOVED. The credit bureaus has repeatedly refused to follow FCRA guidelines. I am hopeful that you will force XXXX to follow federal law and to remove these inaccurate accounts IMMEDIATELY due to their inaccurate and ILLEGAL reporting!
Consumer complaint received 2024-08-14
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. (FL)

Subject : Complaint for Removal of Inaccurately Reported Foreclosure Redeemed Account - XXXX XXXX Dear CFPB, I am writing to submit a complaint against the inaccurate reporting of a foreclosed but redeemed mortgage account by Caliber Mortgage on my credit files with Experian and XXXX. Despite the foreclosure being redeemed, the account continues to be reported with inaccuracies, affecting my creditworthiness. 

Account Details : Account Number : XXXX Account Type : XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX Experian Inaccuracies and Issues : Inconsistent Date Opened : XXXX XXXX Reports XX/XX/XXXX Experian : Reports XX/XX/XXXX Erroneous Account Status : XXXX XXXX : Late 120 Days Experian Status : Foreclosure Both statuses fail to reflect the redemption of the foreclosure. 
Misleading Comments and Information : Comments refer to the foreclosure being started but do not adequately address its redemption, causing undue derogatory status to linger. 
Discrepancies in " Date Last Active '' : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Violations Under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 605 [ 15 U.S.C. 1

681c ] : Imposes rules on reporting obsolete information and man date s that all information be complete and accurate. FCRA Section 611 [ 15 U.S.C. 1681i ] : Requires credit reporting agencies to investigate disputes regarding accuracy within 30 days. FCRA Section 623 [ 15 U.S.C. 1681s-2 ] : Obligates furnishers of credit information to ensure the accura cy and integrity of the information supplied to credit reporting agencies.
Consumer complaint received 2024-08-14
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)

My account with 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 in 60 days 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.

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 XXXX
Consumer complaint received 2024-08-15
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. (SC)

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.
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. (PA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX