davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

On Saturday XX/XX/XXXX, I received several alerts from XXXX XXXX XXXX that I requested a change of address, change of telephone number and change of my social security number. None of these requests were made by me. I have been the victim of identity theft in XXXX of this year and I had since locked my credit files. 

On Saturday XX/XX/XXXX, after checking my credit file, all my personal information had been changed, my address, telephone number and social security number. I immediately disputed the change in address and phone number and it was corrected within hours, however, Experian will not allow me to dispute the incorrect social security number listed in my credit file online and when I called the number they suggested I was placed on hold for 2+ hours 3 days in a row.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, a payment was made accidentally using the wrong XXXX XXXX Account - ending in XXXX in the amount of {$610.00}. This payment was subsequently returned as the account in question was the wrong account and did not have adequate funds. I was unaware of this error at the time. On XX/XX/XXXX another payment was made for the total amount of {$650.00} to include {$610.00} plus a late fee of {$35.00} within the 30 day period so it was not 30 days late using XXXX XXXX Account - ending in XXXX. On XX/XX/XXXX, another payment was made using XXXX XXXX Account - ending in XXXX, in the amount of {$600.00}. This payment should have gone through but for some reason appears to have been rejected by the bank and returned on XX/XX/XXXX. I tried to make the payment again on XX/XX/XXXX but this time split it into two separate payments in the amount of {$580.00} and {$100.00} and both payments were credited. I believe these payments should reflect not to be 30 days late as they are simply payments made from the same account - XXXX XXXX Account ending in XXXX - that ought to have processed but did not for reasons still unknown to me. On XX/XX/XXXX, I paid {$600.00} dollars and on XX/XX/XXXX, {$610.00}. I am asking that Capital One kindly remove the late payment reflected in XX/XX/XXXX as I paid it within 30 days and it was not processed for reasons unknown to me. I also was not aware of the returned payment from XX/XX/XXXX. I immediately paid the XX/XX/XXXX payment again the day after from the same account and this second time it processed correctly. When I discovered the XX/XX/XXXX payment was still outstanding, I made a catch up payment in XX/XX/XXXX in effect making the first payment on XX/XX/XXXX and the second on XX/XX/XXXX. I ask that you kindly take up this issue with Capital One as it is in the best interest of all parties and I am adhering to their rules and sincerely making all efforts to continue to be on time with my payments
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Late Payment Due to XXXX Hardship Dear XXXX XXXX XXXX XXXX writing to request the removal of a late payment from my account [ Account Number ] XXXX dated XX/XX/XXXX and XX/XX/XXXX Due to the financial hardship caused by the XXXX pandemic, I was unable to make payments as scheduled. Under the CARES Act, I request that this late payment be adjusted or removed in light of these circumstances. 

Thank you for your consideration and understanding. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MI)

I opened the loan with Homepointe financial just under two years ago and my payment has gone up twice and I have not been able to get an explanation that makes sense and when asking to speak to supervisor theres never one available they Ive left three voicemails with three so called supervisors to no avail. Ive never missed a payment and I have a XXXX fica score theres no good reason for these increases if there is no one has offered to share it with me.
Consumer complaint received 2018-04-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (FL)

We were affected by hurricane Irma in XX/XX/2017. Roundpoint mortgage offered for us to make minimal {$100.00} payments for 3 months. They told me that at the end of the three months, I would have the choice to pay in full, make a payment plan, or request to have the 3 months added to the end of my loan. I was also told emphatically that this would not affect my credit, it would not be reported to the credit agency and I would not receive late fees. 
In early XX/XX/XXXX, I called Roundpoint to start the request to add the 3 payments to the end of the loan. I filled out the paperwork that I was told to complete and sent it in promptly. 
We resumed our full payments on the first of the month starting in XX/XX/XXXX and have made each of the subsequent payments in full and on time. 

The issues that we are complaining about are : 1. Roundpoint has submitted delinquency to the credit agencies resulting in an immediate drop in our credit score of over 100 points. We are due to close an SBA loan any day - this change in credit will likely cancel this opportunity that our business desperately needs. 
2. We have been repeatedly charged late fees. 
3. This has been the most difficult loan process that we have ever been through. We have had many mortgages in our lives and also work as Realtors and have assisted many of our clients through the lending process and we have never been through such a ridiculous and difficult process. We did the same loan modification with our business mortgage after Hurricane Irma and it was 2 papers to sign and notarize. 
I have responded immediately to every phone call, letter and email. 
Roundpoint has asked for a new and different list of documents on nearly a weekly basis for over 4 months. I have provided them each time with what they have asked for. But every time, there is a new list. Most of the staff at Roundpoint is now sympathetic when we speak and can not understand why they are asking for things that I've sent, or more documents. These staff members are in shock themselves, and always promise to help me resolve this. And then I never hear from that person again. 
We need to have our file submitted to their investors, but they will not or can not submit it because there are " missing documents ''. Yet every time I spend hours getting more missing documents, there is a new list the following week. 
Now they are selling our Mortgage on XX/XX/XXXX and I'm told the process will start over. 
I have done everything they have asked over and over again. I am making my payments. I have never been late on any loan payment EVER other that after Hurricane Irman - but then only with permission from the lenders. 
HELP!
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Protfolio Recovery Associates LLC bought all my charged off credit card debt. They can not collect a debt that they purchased for pennies on the dollar. They are not a collection company. They tried to sue me once, I got a laywer to dimiss it. They call me at least 10 times a day at my work and my cell which they never had permission to contact me. They call my daughters phone number, which i never gave them permission to contact her. They call from spoof numbers that are local with my area code. They have now gone and placed these items on my credit report. I have disputed it with XXXX and XXXX but they will not remove it. I dont owe these people anything and want them to stop harassing me and remove this stuff off my credit report. I have blocked their numbers as they come in, I have over 100 numbers from my area code blocked in my phone.
Consumer complaint received 2018-04-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX  XXXX XXXX report my name to XXXX XXXX and XXXX XXXX XXXX they said i'm owe them {$870.00} for check deposit no money in the bank i did fixed after get the account closed out now they report my name to the two agency now I'm unable to opening any checking account Contributor : BANK OF AMERICA Contribution Ref # : XXXX XXXX Number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX SSN/Tax ID # : XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : VA Incident Date : XX/XX/2016 Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-09
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. (NJ)

I recently received a copy of my ( Experian, XXXX, XXXX ) credit report, and Ive noticed some late payments posted on my credit report. 

( Account- XXXX  XXXX XXXX XXXX Report # XXXX ) Your company is in clear violation of the law ; Under 15 USC 1681 ( b ) permissible purpose of consumer reports, The Law Clearly States : ( a ) In General : 1 ) -Subject in subsection 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 Did I give you written instructions to furnish this account on my credit report?

Furthermore, The Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( A ) ( I ) exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681 s 3 of this title, any- ( I ) Report containing information solely as to transactions or experience between the consumer and the person making the report Please DELETE the above late payments from my consumer credit report as this agency is in violation of 15 USC 1681 per The Fair Credit Reporting Act. 

Failure to respond satisfactorily with deletion of the above referenced account ( s ) late payments, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking {$1000.00} per violation for : 1 ) Defamation of Character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections Practice Act 15 USC 1692 ( G ) violations 4 ) Fair Credit Reporting Act 15 USC 1681, violations for willful noncompliance- 616. Civil liability for willful noncompliance ( 15 USC 1681 n ) Best Regards
Consumer complaint received 2024-10-09
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. (GA)

On XX/XX/year>, I reviewed my credit report from Experian and discovered multiple inaccuracies related to my personal information, including incorrect names, addresses, phone numbers, and an incorrect spouse/co-applicant listed. Specifically, I noticed several variations of my name that should not be associated with my credit file. Similarly, multiple outdated or incorrect addresses in different states, as well as phone numbers Ive never used, were listed on my report. 

I promptly contacted Experian and initiated a dispute, requesting that they remove the incorrect information and update my file to reflect my accurate name, address, and phone number. These inaccuracies are leaving me with a credit report that misrepresents my identity. This unresolved issue has caused confusion and could potentially affect my ability to secure credit or loans. 

To escalate the matter, I filed this complaint with the CFPB to ensure my rights under the Fair Credit Reporting Act ( FCRA ) are respected. The FCRA requires that credit reporting agencies maintain accurate and verifiable information, and I have the right to dispute incorrect entries and receive proper verification. 

I request that Experian promptly remove all incorrect entries and provide written confirmation of the updates to my personal information. Additionally, I seek confirmation of the sources they used to verify the disputed items, as required under the FCRA, and a copy of my updated credit report.
Consumer complaint received 2024-10-09
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-09
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-09
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. (IL)

I am writing to formally lodge a complaint regarding the inaccurate reporting of accounts on my credit report. Despite my previous efforts to dispute these accounts, XXXX continues to reflect them as valid, which is both inaccurate and damaging to my credit profile. 

On XXXXXXXX, I submitted a dispute concerning several accounts that were incorrectly attributed to me ( see attached letter ). In support of my dispute, I furnished a UCC 11 form from the Illinois Secretary of State, which clearly demonstrates that there is no debt in my name associated with these accounts. This documentation provides concrete evidence that these accounts are incorrectly reported. There are no transactions recorded with the Illinois Secretary of State.

Despite this evidence, I have observed that XXXX continues to report these disputed accounts as valid. This persistent inaccuracy not only violates the Fair Credit Reporting Act ( FCRA ), but also negatively impacts my creditworthiness and financial standing.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am disputing a late payment from XXXX XXXX XXXX Bank. This late payment is not accurate at all. I have maintained my payments up to date. XXXX payment included XXXX payment and XXXX payment isn't past due where it is XX/XX/XXXX.
Consumer complaint received 2024-10-09
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)

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. 

Account name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-09
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)

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.

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 informationisinaccurate.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, 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. (MI)

Hello, In reviewing my Transunion account, I noticed 29 inquiries ( extremely high ) compared to the 9 inquiries with XXXX and XXXX.

I contacted Transunion onXX/XX/XXXX for a request for investigation of unauthorized inquiries. I advised Transunion, via letter, that I had contacted these company to no avail and am now requesting that Transunion investigate the inquirires on my credit report to determine who authorized them and once their investigation is complete, if they find my allegations to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report.

According to the Fair Credit Reporting Act, Section 604, a creditor should not have access to a consumer 's credit information unless the individual, themselves, gives written permission or unless credit access is court ordered or requested by a state or local government agency in relation to child support.

I am requested ( an originally requested onXX/XX/XXXX ) that the below inquiries be investigated and removed : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX  -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX  -XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX -XX/XX/XXXX XXXX  - XX/XX/XXXXIf you have any questions or concerns, please feel free to contact me.

Thank you, XXXX XXXX
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A fraud account was paid off that went into collections. The creditor is XXXXXXXX XXXX XXXXXXXX XXXX. It is a fraudulent account that was never go into collections because I mailed their item back to them Three months of the account closing the account but the item was mailed back to me without a new account agreement. It has been paid off and disputed for over Nine months. It was agreed to be removed already by the collection and credit reporting agencies but it was not still after a XXXX balance due.