davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
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 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 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! 


Delete the late payments from my consumer reports
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am disputing how XXXXXXXX XXXX XXXXXXXX has changed how they report my mortgage balance to all ( XXXX ) credit bureaus. Prior to and during my XXXX ACT forbearance, they would report ONLY my interest-bearing principal balance to the credit bureaus. I had a loan modification before XXXX XXXX XXXX purchased my mortgage ( which I had no say in ) that included a deferred payment at the end of the modified loan. Since coming out of forbearance in XX/XX/2022, XXXXXXXX XXXX XXXXXXXX XXXX decided to lump this deferred payment into the entire mortgage balance which is incorrect. They had been servicing my mortgage for at least XXXX  years before making this sudden change. 

I feel they made this change only in retaliation for them not being able to foreclose on my home. I was in forbearance for over a year because XXXX XXXX XXXX  gave me no options to come out of the forbearance like most customers normally could. It was after XXXX, pleading and XXXX  them for MONTHS on end did a nice customer representative take pity on me, escalated my situation and got the powers that be to agree to let me resume my monthly mortgage payments. The forbearance amount was then XXXX  into the interest-bearing principal balance. 

Since that time, now all of a sudden my mortgage balance increased from approx. {$XXXX} to a new mortgage balance of {$XXXX} on my credit report. This drastic increase has caused my credit score to drop XXXX points w/ XXXX XXXX XXXX and a whopping XXXX points w/ Equifax. I was never advised up front about how they changed reporting my balance and am therefore requesting them to change their reporting back to how it had originally been done for YEARS. 

This is again, a detriment to me and completely unfair as the consumer who never asked or requested XXXX XXXX XXXX XXXX my mortgage loan in the XXXX place. I feel I have been victimized again by this entity after going through so much to come out of forbearance only to have my credit ruined anyways which SHOULD NOT HAVE HAPPENED per what was outlined in the XXXX ACT. My credit has been impacted as a direct result of their changed procedures which only occurred after coming out of my XXXX  ACT forbearance. 

The reported balance to all ( XXXX ) credit bureaus for this account should be {$XXXX} which Im enclosing here. Im also enclosing my most recent mortgage statement which also shows a slightly older balance of {$XXXX}. Lastly, I feel I am owed an explanation as to why this entity decided to suddenly change their reporting procedures with no advance notice after years of reporting it differently. Thank you for taking this complaint into consideration. 

Regards, XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I pulled my consumer report on XX/XX/year> and I realized that the charged off account with XXXX XXXX XXXX XXXX should be deleted because of a time- barred statute of limitations. The last payment that was made on this account was XXXX XXXX. It is XXXX XXXX and this negative account is still reporting on my consumer report. This is a violation of my consumer rights. The amount is {$1300.00}.
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (GA)

I applied to LOAN DEPOT in California for a cash out refinance. I submitted all of the documents that were requested including social security numbers and credit checks. They proceeded on that basis. They went on to charge me {$370.00} for an appraisal. They offered a loan that subsequently they could not make work. It was an ARM that that subsequently went up in interest beyond my capability. I went to another lender and requested that LOAN DEPOT transfer my appraisal to the other lender. LOAN DEPOT has refused to transfer the appraisal. LOAN DEPOT tells me that it is not an FHA or VA loan and they are not required to transfer. I am left with no other alternative than to request a new appraisal from my new lender.
Consumer complaint received 2024-10-11
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. (CA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2024-10-11
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

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 2017-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LICTY, INC. (VA)

On XX/XX/XXXX, I was contacted by a representative from XXXX XXXX XXXX  named XXXX ( I was informed by a woman named XXXX that XXXX later quit in XX/XX/XXXX).  XXXX informed me that his company will serve as the middle man for paying back my student loans and complete the paperwork needed for entering me into the student loan forgiveness program. I was n't getting any feedback from the XXXX XXXX XXXX so I was believing this company. In XX/XX/XXXX I began the application process which required me to give my SSN, checking account number, and loans amount. XXXX told me that I would have to pay XXXX in XX/XX/XXXX and took my check account number, and told me that the paperwork I was signing was to enter me  into the forgiveness program. Later, I received an email stating that I financed XXXX dollars. I called XXXX ( the individual who took over my case after XXXX quit ) an he stated that he would attempt to cancel my file. I have tried to reach out to the company again and no one is answering the phones.
Consumer complaint received 2024-10-11
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-11
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. (MD)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-10-11
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. (FL)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2600.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (KY)

This complaint is with Wakefield and Associates. I have contacted this company numerous times to get a duplicate medical debt removed from my credit report. The debt is from XXXX/XXXX XXXX XXXX  XXXX XXXX with a balance of {$650.00} from 2012 that shows up on my XXXX and XXXX reports. When I called Wakefield and Associates, I was told they no longer had the debt and that it was sent off to their legal department. They gave me like 10 different telephone numbers and each person that I called did not actively have the debt in their office. One guy even got extremly nasty and rude with me for trying to find out. So, I called Wakefield back, since it shows on my credit report that they are the ones who reported it, but they said that they could not remove the debt because they no longer had. They have yet to tell me correctly who has the debt and I feel that since they put it on my Credit report that they should be able to remove it. I have been reaching out with them refuses to remove the inaccurate information because they no longer actively have the account. If they no longer have it, how can they keep the charges on my credit report.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-11
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. (DE)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2017-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

In early XXXX 2017 I borrowed XXXX dollars from an on line tribal lender " big picture loans '' unable to view the " truth in lending '' disclosure until after the loan had been processed and funds delivered to my account, I was unaware of the 697.0714 % interest rate! Payoff amount {$3200.00}! I have contacted The Florida Office Of Finiancal Regulation and XXXX, I was told Big picture loans is not licensed in Florida. I am now aware that this loan is illegal in Florida as they are not licensed in Florida, charged far above allowable interest in Florida as well as gave loans far above the allowable maximum of XXXX dollars. I have paid off the XXXX dollar principal and plus. After educating myself I am submitting this complaint to stop being harassed by big picture loans with endless emails
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am disputing how XXXX XXXX XXXX has changed how they report my mortgage balance to all ( XXXX ) credit bureaus. Prior to and during my XXXX  ACT forbearance, they would report ONLY my interest-bearing principal balance to the credit bureaus. I had a loan modification befoXXXX XXXX XXXX XXXX purchased my mortgage ( which I had no say in ) that included a deferred payment at the end of the modified loan. Since coming out of forbearance in XX/XX/2022, XXXXXXXX XXXX XXXX suddenly decided to lump this deferred payment into the entire mortgage balance which is incorrect. They had been servicing my mortgage for at least XXXX years before making this sudden change. 

I feel they made this change only in retaliation for them not being able to foreclose on my home. I was in forbearance for over a year because XXXX XXXX XXXX gave me no options to come out of the forbearance like most customers normally could. It was after XXXX, pleading and XXXX them for MONTHS on end did a nice customer representative take XXXX  on me, escalated my situation and got the powers that be to agree to let me resume my monthly mortgage payments. The forbearance amount was then XXXX into the interest-bearing principal balance. 

Since that time, now all of a sudden my mortgage balance increased from approx. {$XXXX} to a new mortgage balance of {$XXXX} on my credit report. This drastic increase has caused my credit score to drop XXXX points w/ Transunion XXXX XXXX and a whopping XXXX points w/ XXXX. I was never advised up front about how they changed reporting my balance and am therefore requesting them to change their reporting back to how it had originally been done for YEARS. 

This is again, a detriment to me and completely unfair as the consumer who never asked or requested XXXXXXXX XXXX XXXX  service my mortgage loan in the XXXX place. I feel I have been victimized again by this entity after going through so much to come out of forbearance only to have my credit ruined anyways which SHOULD NOT HAVE HAPPENED per what was outlined in the XXXX ACT. My credit has been impacted as a direct result of their changed procedures which only occurred after coming out of my XXXX ACT forbearance. 

The reported balance to all ( XXXX ) credit bureaus for this account should be {$XXXX} which Im enclosing here. Im also enclosing my most recent mortgage statement which also shows a slightly older balance of {$XXXX}. Lastly, I feel I am owed an explanation as to why this entity decided to suddenly change their reporting procedures with no advance notice after years of reporting it differently. Thank you for taking this complaint into consideration. 

Regards, XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.