davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX, XXXX & XXXX 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 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. XXXX, XXXX & 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 8
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NJ)

XXXX  has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has cost m y credit score to p lummet substantially. They have as of today  XXXX   XXXX ,2017 removed my  XXXX  , American Express,   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  ,  XXXX   XXXX  is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I have contacted all the Data Furnishers and they have all re-reported the accounts and   XXXX   has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken ca r of ASAP .
Consumer complaint received 2017-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (NC)

I sent a letter around  XXXX   2017 asking for this debt collection company to show me proof of valadation of this medical debt and they have not sent me anything to prove that it is actually my indeed debt. I have waited pass the 30 days to give the company time to respond to the debt but nothing has been sent to me via mail showing proof that this debt with First Fina  ncial Asset Management is actually  my debt.
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

My student loan reports that I was on drinking 20 days late with the previous student loan company but I was never late I always maintained.  XXXX   XXXX  is currently my provider but was not my provider when it had the delinquency of  a hundred and twenty  days
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

My student loan reports that I was on drinking 20 days late with the previous student loan company but I was never late I always maintained.  XXXX   XXXX  is currently my provider but was not my provider when it had the delinquency of a  hundred and twenty  days
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (LA)

1. In XXXX XXXX, we applied for a home loan modification due to financial hardship caused by family medical issues. In or around XX/XX/XXXX, we were denied home modification and was informed during the last week in XXXX by Supervisor XXXX XXXX in order to maintain our home from default proceedings, we would have to make an XX/XX/XXXX payment of {$1600.00}. In XX/XX/XXXX through XXXX XXXX, monthly payments of {$1700.00}. In XXXX XXXX, our monthly payments would return back to {$1300.00}. ShellPoint did acknowledge our medical hardship, However, our assigned Shellpoint representative XXXX XXXX did not informed us that Shellpoint was not a participant in President Obama 's HAMP program. In XXXX XXXX we were under the impression that we were applying for a HAMP Home Modification. We were not notified that we had the option of appealing the initial offer. The assigned single point of entry assigned to was never available to speak to us or answer any of our questions. He did not return calls at all, as per his company policy that calls should be return with in 48 hours. His coworkers always handled his calls and decision were made from third handed information in that we were not consulted for clearance by him. Options such as refinancing, home equity loans or options were not discussed or presented to us. Only options were the Company modification Program, Short Sale, or turn over the deed. The Company 's modification offer increased our monthly mortgage payments by approximately $ 300 monthly. We were denied having access to our mortgage holder. We were given a different company every time we asked and was advised not to call because they were hired to handle this. 
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Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 'm absolutely APPALLED at the " investigation '' into my credit report issues! These 2 companies have failed to correct or remove inaccurate info for 5 months now and I 'm tired of it! Their JOB is to make sure that all accounts on my credit report are accurate and complete and Congress states that they are required to go beyond the original  source of information to make sure of this. I 've requested the method of verification, procedures used to investigate as well as the proof they 're using to say that these are reporting right! For example, the XXXX XXXX account # XXXX is NOT even mine and although it 's reporting accurately, why have n't they removed it? I only have ONE account with this company! Secondly, for the XXXX accounts, they 're reporting that I was late when I was n't! Insurance was supposed to pay, and I had no obligation to pay anything on the months that are reporting late. I asked for the actual contract or agreement with my signature that states I would pay on these months and of course, I never received anything! I was NOT late on these months because I had NO obligation to pay on these months! They need to remove those! Thirdly, for TransUnion, they 're reporting inaccurate info for the public records and I 've clearly pointed out where the issues are and have requested correction or removal and of course, nothing has happened. They are required to have this documentation in their possession to keep an item on my credit report. Failing this, the item must be removed. For XXXX the XXXX XXXX account # XXXX is reporting me as late on XXXX 2016 and yet not only did I pay on time, but the other 2 bureaus are reporting accurately that I did! I asked for them to correct this and nothing happened other than that this was allegedly " verified ''! I 'm attaching all the letters that I sent to both companies and I require that these late payments and other inaccurate information is removed immediately due to violations under section 609 and 1681.
Consumer complaint received 2017-05-20
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: Experian Information Solutions Inc. (FL)

I tried disputing incorrect information on my credit report from addresses that do not belong to me that are linked to accounts that do not belong to me and the results came back from the investigation stating the account has been updated. I tired calling in several times but still no luck. I told them that I am a victim of identity theft.
Consumer complaint received 2017-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (VA)

I applied to First Bankcard XXXX, XXXX for a XXXX visa card XXXX  credit cards on XXXX and XXXX XXXX 2017 since I like ordering products from those websites. Receive an email stating they may need to verify my identity. I contacted the above bank and had them verify my identity. I was told I was declined for both cards several days later and that I would receive an letter stating both applications were declined. I received the decision letter between XXXX XXXX, 2017. One letter stated I was denied credit while the other application stated unable to verify identity. I was told once again on phone both applications were denied for too many applications. I assume the representative was rushing to get me off phone instead of trying to help me. If both applications were denied because excessive inquiries then both letters should of stated this information. I am therefore filing complaints because this just is n't right! I will be forced to file additional complaints since this bank being too difficult to get a card with. I do n't feel this bank cared enough to help me. I was just another application to them!
Consumer complaint received 2017-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (NJ)

Afni ha s  XXXX  collection items.  XXXX   XXXX   XXXX  a  2012  chargeoff.  XXXX  public records showing on my report that are not on my  XXXX  report please remove them from   XXXX   XXXX  .
Consumer complaint received 2024-08-02
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. (LA)

Pursuant to XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4 I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

PLEASE REMOVE ALL CLOSED ACCOUNTS LISTED BELOW. 

CLOSED ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I 'm absolutely APPALLED at the " investigation '' into my credit report issues! These 2 companies have failed to correct or remove inaccurate info for 5 months now and I 'm tired of it! Their JOB is to make sure that all accounts on my credit report are accurate and complete and  Congress  states that they are required to go beyond the original source of information to make sure of this. I 've requested the method of verification, procedures used to investigate as well as the proof they 're using to say that these are reporting right!   For example, the  XXXX   XXXX  account #  XXXX  is NOT even mine and although it 's reporting accurately, why have n't they removed it? I only have  ONE  account with this company!   Secondly, for the  XXXX  accounts, they 're reporting that I was late when I was n't! Insurance was supposed to pay, and I had no obligation to pay anything on the months that are reporting late. I asked for the actual contract or agreement with my signature that states I would pay on these months and of course, I never received anything! I was NOT late on these months because I had NO obligation to pay on these months! They need to remove those!   Thirdly, for  XXXX , they 're reporting inaccurate info for the public records and I 've clearly pointed out where the issues are and have requested correction or removal and of course, nothing has happened. They are required to have this documentation in their possession to keep an item on my credit report. Failing this, the item must be removed.   For Equifax, the  XXXX   XXXX  account # xxx is reporting me as late on   XXXX   XXXX     and yet not only did I pay on time, but the other  2 bur eaus are reporting accurately that I did! I asked for them to correct this and nothing happened other than that this was allegedly " verified ''!   I 'm attaching all the letters that I sent to both companies and I require that these late payments and other inaccurate information is removed immediately due to violations under section 609 and 1681.
Consumer complaint received 2024-08-02
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. (NJ)

I am writing to file a complaint against the three major credit bureaus - XXXX, Experian, and XXXX - for their failure to guarantee the accuracy and completeness of my credit report, as required by the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Federal Trade Commission ( FTC ), and United States Code 15.

According to the FCRA, Section 607 ( b ) ( 1 ), " A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, the FTC emphasizes the importance of accurate credit reporting and states, " Credit reporting companies must investigate the items in question- usually within 30 days - unless they consider your dispute frivolous. '' The FDCPA also plays a crucial role in protecting consumers from inaccurate credit reporting by prohibiting unfair and deceptive debt collection practices.

Despite these legal obligations, I have discovered multiple inaccuracies and discrepancies in my credit report, which can have severe consequences on my financial well-being. As a consumer, I have the right to ensure that my credit report is correct, exact, and free of all inaccuracies.

I would like to bring your attention to the following disputed items on my credit report : [ Disputed Item XXXX ] : XXXX XXXX XXXX  # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX  XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX # XXXX  Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX  XXXX XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX  # XXXX  Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX # XXXX  Identity theft victim. 

These inaccuracies not only harm my creditworthiness but also hinder my ability to obtain loans, secure housing, and enjoy fair financial opportunities. I have attempted to resolve these issues directly with the credit bureaus, but their responses have been inadequate and unsatisfactory. 
In accordance with the FCRA, FDCPA, FTC, and US Code 15, I request that the CFPB investigate my complaint thoroughly and take necessary actions to ensure that the credit bureaus rectify these inaccuracies promptly. I also request that you inform me of the steps being taken to resolve this matter and provide me with a written response within the legally mandated timeframe.

Thank you for your attention to this matter.
Consumer complaint received 2024-08-02
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 XXXX XXXX XXXX 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 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. 


XXXX XXXX XXXX XXXX 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 XXXX
Consumer complaint received 2017-05-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Mortgage with bank of america was first reported delinquent  XXXX . It was charged off my credit report and deleted in  XXXX . Furthermore the mortgage company had filed a release with the recorder of deeds  XXXX / XXXX / XXXX .   This  3rd  party company has recently sent information regarding the old debt with out the original creditors information listed.     I feel this debt is not mine because they have no legally binding contract with my signature agreeing to the remaining debt.
Consumer complaint received 2017-05-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specialized Loan Servicing Holdings LLC (IL)

Mortgage with   XXXX   XXXX   XXXX   was first reported delinquent  XX/XX/XXXX . It was charged off my credit report and deleted in  XXXX . Furthermore the mortgage company had filed a release with the recorder of deeds   XX/XX/XXXX  .   This 3rd party company has recently sent information regarding the old debt with out the original creditors information listed.     I feel this debt is not mine because they have no legally binding contract with my signature agreeing to the remaining debt.
Consumer complaint received 2024-08-02
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. (CA)

XXXX Experian and XXXX still reporting inaccurate information on my behalf without my permission I sent documents and proven those accounts was due from Identity theft I uploaded police report and ftc reports that they saying is not honor denying me rights to my credit causing denial making hardship to provide for my family causing. stress and financial harm to my name and repartition .accounts listed is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX department of education XXXX XXXX XXXX  XXXX XXXX I so have a deletions letter from citi bank but the companies still reporting.
Consumer complaint received 2024-08-02
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. (IN)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 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 the 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.