davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (LA)

This company put a XXXX XXXX XXXX account back on my credit reports after it was previously removed about 2 or 3 months ago with no valid explanation for doing it! First off this account should n't be reporting on my file anyways as its a fraudulent account and second off its 7 years old and is reporting inaccuracies anyways. I demand this account be removed again permanently from my file or my intent to sue letter will be typed up by my lawyer. There is also a XXXX account that XXXX Bank has already put a request for a deletion to the credit bureaus and this is the only one that has n't removed it yet!!
Consumer complaint received 2024-08-30
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. (AZ)

This account is reporting late as reported in my XXXX Credit bureaus. This account should not be showing the current status of 30 and 60 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I got behind on my mortgage payments in XXXX 2015 because my mortgage company, Ocwen, raised my payment about {$500.00}. We were paying our own taxes of XXXX per year and Ocwen decided they would pay them. They wanted to escrow {$3000.00}, consequently we could not afford our payments. I asked for an escrow audit and beginning XXXX XXXX, the payment was reduced. We can afford our payments now, but we are {$5000.00}. in arrears. Ocwen suggested we complete a HARP application, which I did. I was assigned a relationship counselor, who failed to show for 4 straight appointments. When I asked for another counselor, Ocwen told me that was not possible. Ocwen kept asking for documents that I had already submitted. This has been dragging on for 3 months. They will not accept our XX/XX/XXXX payment because of the amount in arrears. We are getting farther and farther behind. We would like to modify our loan from 20 years to 30 years, and change our payment date, because my husband does not get his social security until the XXXX Wed of each month. Ocwen has failed to respond to our calls. Their only response is " Can you pay {$6000.00}. today? We have lived in our house for almost XXXX years and do not want a foreclosure. I would also like to change mortgage companies. We 've had several different companies, but Ocwen is the only one we 've ever had trouble with.
Consumer complaint received 2015-05-14
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (CA)

I am a loyal customer at AMEX from 1993. I Opened a new AMEX XXXX XXXX card and I decided last month to enroll it in auto pay. I got the confirmation. Today I received a note that my account is delinquent and they increased my rate, because the auto pay kicks in only after a month. In this way for the people busy ( like myself ) who do n't read a lengthy autopay confirmation that states this, it is a trap to increase their rate. This should be stopped, and forced these companies to remind you this if you did n't pay the dues before the autopay.
Consumer complaint received 2021-09-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DCN Holdings Inc. (KS)

On XX/XX/2021 I received an email from a XXXX XXXX with XXXX  XXXX  based out of XXXX, FL stating I owed a debt. I sent the attached email to him. ( attached as email 1 ) On XX/XX/2021 I received a phone call from the same company but this time it was a woman. I told her my rights, I told her to stop contacting me and she got very aggressive and abusive on the phone, yelling at me, threatening lawsuit and being able to seize my assets. I told her to review the letter sent to her colleague XXXX XXXX and I hung up the phone. 

On XX/XX/2021 I received another letter stating " here are the documents '' that you requested. I was not able to open the documents and an IT friend of mine who stated not to open them as they looked like potential documents with at could infect my computer. I also told them on XX/XX/2021 to only contact me via USPS mail and that email, phone calls, faxes and contacting anyone must stop immediately. They have not stopped. ( attached as email 2 ) I will file a lawsuit against this company if I receive correspondence of any kind going forward.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Im in XXXX in regards of my credit report and how the credit reporting agencies have failed me as a consumer. Ive continuously sent out disputes for them to investigate the matter at hand and they have failed to provide me with proof of how and where they have gotten that misinformed information. The accounts are reporting negatively on my behave and id like to resolve this issue as soon as possible as this matter has gotten on for too long.
Consumer complaint received 2024-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After several attempts to dispute the accuracy of ACCOUNT- XXXX XXXX XXXXXXXX XXXX Transunion has replied that the account is verified. I requested their method of verification on ACCOUNT- XXXX  XXXX XXXX XXXX and they failed to supply any documents or information supporting the alleged verification.

ACCOUNT- XXXX XXXX XXXX XXXX is reporting inconsistent open dates across all three bureaus ( XXXX, XXXX, and Transunion ) so how was this information properly investigated and verified?
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX
Consumer complaint received 2024-09-06
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. (MI)

Subject : Complaint Regarding XXXXXXXX XXXX XXXX  Reporting Practices under FCRA Dear CFPB, I am writing to formally submit a complaint regarding XXXXXXXX XXXX XXXX handling of my account, despite my communication regarding the impact of COVID-19 on my financial situation. I notified XXXX XXXX that I was affected by COVID-19 and arranged for a payment plan during this difficult period. However, XXXXXXXX XXXX has failed to properly update my account status in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this law, XXXXXXXX XXXX is required to provide accurate and timely updates to my credit report, which they have not done. I kindly request your assistance in ensuring that XXXXXXXX XXXX corrects my account information and complies with FCRA regulations. Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. during that time i suffered a XXXX and has COVID throught this 2 year term
Consumer complaint received 2024-08-28
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. (OH)

I have repeatedly requested in writing that XXXX remove XXXXXXXX XXXX XXXX XXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
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: EQUIFAX, INC. (NJ)

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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (WY)

I reported this inaccurate inconsistent incomplete account to both credit bureaus XXXX and XXXX  for identity theft and they are still reporting this account.navy federal credit union acount # XXXX charged off balance of {$510.00} opened XX/XX/XXXX and XXXX is reporting navy federal credit union acount # XXXX {$510.00} open date XXXX recieved an alert from. XXXX the account was reaged to open date of XXXX balance changed to {$500.00} I reached out to navy federal credit union and spoke to XXXX  on XX/XX/XXXX to ask them to please stop reporting this inaccurate inconsistent incomplete account to the credit bureaus and she hung up on me saying that this account wasn't the result of idenity theft and hung up on me.i filed a report with ftc in regards to me not knowing about this account and am attaching the report as proof.please stop violating my federally protected rights under 15u.s.c1681.delete account immediately.also I emailed the president this morning to help me.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document tha tyou have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume 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. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C- Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. I HAVE ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AS EVERDOING ANY BUSINESS WITH THESE COMPANIES. PLEASE DELETE THEFOLLOWING ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have multiple inquiries on my Transunion account that are not connected to an open account on my credit report. These hard inquiries are unauthorized and inaccurate due to the fact I had no knowledge of them and did not apply to obtain credit or financing.
Consumer complaint received 2024-08-30
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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WESBANCO BANK, INC. (OH)

Hello XXXX, I wanted to share my frustration and concerns that I am currently having with WesBanco. Please see the attached email threads for an explanation and history. 

I understand XXXX is currently out of the office until the XXXX. I would like a complete explanation and reconciliation on this issue on Monday the XXXX. 

Hi XXXX, I'm sorry I didn't get back to you yesterday. XXXX walked me through the situation and told me the payment was applied to your other loan, which reduced the payoff and lowered the amount of interest that was paid by you. Since the loan is paid off, I'm not sure what we can do? I'm sorry if this was an inconvenience to you. 

Regards, XXXX XXXX XXXX & XXXX Business Development, WesBanco Bank , Inc . 
XXXX XXXX| ( XXXX ) XXXX XXXX www.wesbanco.com XXXX, XXXX, this was not approved my me to take my payment on a specific loan payment and apply that payment to another loan. There has been no communication, confirmation of said payment and to what account the payment was applied to. This was not authorized by me. 

You mentioned that the payment was applied to another loan? What loan are you talking about and where is the reconciliation of the payment. I would like to see an exact principal balance prior to this payment being applied when it was paid and what the balance currently is. 

You ask if this has inconvenienced me, I have been requesting information since I paid the original loan off on XX/XX/year>. In the attached letter from Wesbanco where does the letter mention that by {$270.00} payment was applied to your other loan. What does that even mean for a financial institution to proceed in this manner? 

I am requesting a refund of {$270.00} for the overpayment of the below loan and attached letter. 





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