davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC (FL)

My loan was transferred from XXXX XXXX to this company I'm filing the complaint about, RoundPoint Mortgage Servicing LLC, ending my pervious relationship with XXXX on XX/XX/year>. In a letter from XXXX I was told that XXXX would communicate to me the information needed to make future payments to though XXXX has yet to provide any information. I've tried several times to contact that by phone, at times waiting on hold upwards of XXXX minutes to no avail. Meaning, I was never successful in getting though to any live agent. The one time I was able to get through, the agent asked for my name and as I was giving it, I was disconnected. I've tried communicating with them on their XXXX page through private messaging. I was told to give my phone number, which I did and that they will call me back that same day. But still no call. Unfortunately I have no choice but to have to make payments through XXXX XXXX, as my previous servicer, XXXX will no longer take payments. I should add that I would need a new account number if I wanted to at least make the payment by snail mail, but I don't have that. This information is supposedly going to be provided by XXXX in a letter. I've yet to receive that letter and at this time I'm only XXXX weeks away from having to make XXXX 's mortgage payment. It's taking me decades to get my credit to the exceptional level and this company could ruin that because of their incompetence. I informed the company through their XXXX private message that I'd be filing a complaint here, however it doesn't appear to bother them as the call I was promised never came and right now I'm extremely stressed due to hurricane Milton rapidly approaching.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MI)

I am a XXXX XXXX XXXXXXXXXXXX XXXX and an authorized user on my wifes American Express Cash Preferred credit card, which we opened while I was on XXXX XXXX service. During my XXXX XXXXXXXX XXXX, Amex ( American Express ) waived the annual fee under the Servicemembers Civil Relief Act ( SCRA ). After leaving XXXX XXXX, Amex has refused to continue waiving the fee, despite my being XXXX XXXX XXXXXXXX due to XXXX XXXX XXXX XXXX. I believe this denial is discriminatory, as I am no longer XXXX XXXX XXXX  due to my XXXX. I am seeking further investigation into Amexs decision and whether it violates any protections for XXXX veterans under SCRA or other relevant regulations.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (FL)

I spoke to rep name XXXX who said he was a supervisor then he transfers me to XXXX who told me previous rep was not a supervisor. 
This rep forced me to close my account. Her name is XXXX as a recording will show. She indicated she could not waive the {$99.00} unless I close my account. This is unacceptable and ilegal and I am requesting for your company to fix this She also took several minutes to give me the reference number for the credit having been asking her for the last 12 minutes and this rep incapable of doing that
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (NJ)

Dear Consumer Finance Bureau, I am writing to file a formal complaint against First Progress regarding their improper handling of my secured credit card account, which has resulted in unjust fees and severe negative impacts on my credit score. 

In XXXX, I applied for a secured credit card with First Progress based on a recommendation from an agent, who advised me that the card would help build my credit by reporting to the credit bureaus. I prepaid {$200.00} as required for this secured card. 

However, the card was delivered to my previous address after I had moved into a new house in XXXX, a detail I was not informed about. I retrieved the card only a month later, and upon attempting to activate it, I noticed a fee of {$54.00} had already been charged on XX/XX/XXXX. Despite the card never being activated, I was subsequently charged late fees for the next four months.

I contacted First Progress immediately, explaining the situation and requesting a return of the card, as I no longer wished to use it. Despite multiple attempts to resolve the issue, I received no assistance. The card remains inactive, yet I have continued to be charged late fees, which have been reported to the credit bureaus, causing significant damage to my credit score. 

This unjust reporting has resulted in increased costs for my insurance, mortgage payments, and other premiums. I now urgently seek action from First Progress to correct these issues : 1. Refund of all late fees : I request an immediate refund of all late fees applied to my account and guidance on how I can recover the {$200.00} I prepaid, as I no longer wish to use this card.

2. Credit score rectification : I also request that First Progress immediately report back to all credit bureaus to correct the
negative impact on my credit score. These late fees were reported inaccurately, and I expect my credit score to be rectified across all bureaus where they have submitted these erroneous reports.

The ongoing financial strain caused by these errors is significant, and I respectfully request your assistance in ensuring that First Progress addresses these issues promptly and fairly.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-10-04
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)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-09-29
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)

Formal Complaint Regarding Inaccurate Reporting of Accounts in Violation of 15 U.S.C. 1681c Dear CFPB Team, I am writing to formally lodge a complaint regarding the inaccurate reporting of two of my accounts by all three major credit bureaus ( Experian, XXXX, and XXXX ). Despite my efforts to resolve these accounts, they are currently being reported inaccurately as charge-offs, when they should reflect a negative new balance as per XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX ) Account XXXX. XXXX This account was closed and is no longer appearing on my credit reports. However, it should be recorded accurately as a negative balance, not as a charge-off. 
XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX This account is currently reported as a charge-off on my Experian report, which is not reflective of the actual status, as I am actively paying toward resolving this debt. This also should be recorded as a negative balance, not a charge-off. 
Both accounts are being handled through XXXX XXXX, Account XXXX. XXXX, and I have been making consistent payments for the past five months.

Details of the complaint : The Fair Credit Reporting Act under 15 U.S.C. 1681c ( a ) clearly states that negative information such as charge-offs should be accurately reported, and there are limitations on the type of information that can be retained on consumer credit reports. 
Both of these accounts should reflect a negative balance ( new balance ) rather than charge-offs, as I am making payments and actively working to resolve them. 
I have made several attempts to resolve this issue directly with the credit bureaus and the creditors involved, but to date, these inaccuracies have not been corrected. 
I am requesting that the CFPB investigate this matter and take the necessary steps to ensure these accounts are accurately reported by the credit bureaus, pursuant to 15 U.S.C. 1681c. The continued reporting of these accounts as charge-offs is damaging to my credit profile and in violation of the FCRA.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NY)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA XXXX. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-10-04
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. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( 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. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MD)

Since XX/XX/year>2024, I have been disputing this charge with Apple Mastercard. I have sent the required documentation, but they are neglecting to fix the charge on my account.
Consumer complaint received 2024-10-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NY)

My loan was transferred from specialized loan services to Shellpoint LLC/Newrez . I have not received a statement from Shellpoint and when I contacted them, they insisted that all information be accessed online. I explained that I prefer to receive a receipt and would like to send my payments either through XXXX XXXX or my bank. Unfortunately, my bank does not work with XXXX XXXX. During the first three months of the transition, I had to call to request my mortgage statement. Additionally, my credit report showed inaccurate information from my previous mortgage lender. When I visited my local police station, they advised me to go to my prior bank before they could take a report from me. Thank you.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I requested that a few accounts on my credit file be investigated starting XXXXXX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent two follow up letters on XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Consumer complaint received 2024-08-07
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. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (IN)

On, XX/XX/XXXX I received notification from XXXX, that there was a new collection account reported from Phoenix Financial Services. I never received any written notice. Nor, was I given the opportunity to dispute the validity of this debt. Daily, I receive random phone calls all hours of the day, which I believe to be from them. As far as I know the fcra and fdcpa protects me from such actions.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Equifax put a credit card that my wife got ( in only her name ) on my credit report and it dropped my score 87 points! They also have the amount on her card wrong on my report. We are trying to buy a house and sign papers soon based on MY credit. They want me to send a payment to her card through them from what we see on their website. It appeared overnight but takes 30 days to " decide '' the dispute.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I took a look at my credit and notice there is a bankruptcy reporting to my credit that is not mine. I have never filed for bankruptcy and ask that you have this incorrect information removed from my credit report.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

The consumer reporting system that verifies checks are bank accounts has outdated information from 1996 and continues to report to companies but fails to let me know what they are reporting. I have recieved a notice to contact the company for questions but they REFUSE to give me information on what is being reported and WHY.
Consumer complaint received 2018-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Revenue Enterprises, LLC (CO)

XXXXXXXX XXXX Hospital Colorado referred a debt to collections. XXXXXXXX XXXX Hospital sent the bill to an old address of ours and never bothered to notify us. I received a phone call from a debt collector that would not identify themselves. I've been trying to track down the name of the agency XXXX XXXX Hospital of Colorado referred the debt to, but they refused to respond to e-mails when we inquired about the debt. We contacted XXXX as they would not answer the phone number listed on their statements and website. The first e-mail I sent was on XX/XX/18 and I finally got a response XX/XX/18.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have been paying for a monitoring service from XXXX XXXX XXXXXXXX for the past 2 years and I have not been able to get all 3 scores only XXXX .... but I am still being charged every month. Despite the excessive hold time .... I still call them and I am being told that Equifax does not have my correct social security number. I have called Equifax and they have not been able to assist me even after I have sent them a copy of my social security card and my DL. I can't get my score from XXXX either.