davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-19
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : My payments were made on time, but due to a clerical error by the creditor, the payments were incorrectly recorded as late. The payment confirmations from my bank show that the payments were cleared well before the due dates. I have enclosed copies of these confirmations for your reference. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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. (TX)

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received an email from XXXX XXXX at XXXX, my cabinet company, it had attached to the email an ACH instruction to transfer the funds for the cabinet delivery that was coming to NY for our client. 
I sent it on the Capital One client portal on XX/XX/year>. The email said XXXX was on Vacation so I didn't call them to confirm all the information prior. I got a call from XXXX saying she didn't receive the money, and that's when I went back to the email and sent her what I had received. Then I got XXXXXXXX XXXX XXXX XXXX XXXXealizing that her email was hacked and someone else ( scammer ) sent their information on the exact letterhead etc from XXXX There was a phone number that was on the ACH instructions, so I called XXXX XXXX and no one answered. She sent me the actual wire information which was almost identical so I do feel that it was an inside job, because how would then know the XXXX  process and have all the correct verbiage etc. etc. 
Capital One Bank, restricted our account because our information was in the hands of a scammer. We opened a new checking account, we have been a customer of theirs for 30 plus years and expected them to no hold all the monies up for a week, so everything from the old account bounced as well as all the checks in the new account. They also denied our fraud claim because we input the incorrect information on our portal, so they felt it wasnt ' their fault. I have reported to the FBI, FTC and now you folks.
Consumer complaint received 2024-09-19
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)

My account with Experian 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. 


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.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-19
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. (MD)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

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 2024-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WV)

The calls from XXXX XXXX are not only harassing and unnecessary but disruptive and costly. In a single day alone I receive a minimum of 6 calls per day that begin as early as XXXX ( as they did on Tuesday XX/XX/year> ) and as late as XXXX ( as on Friday XX/XX/year> ). This is the minimum, unlike the most calls, which was 11 on Wednesday XX/XX/year>. 

On 3 separate occasions ( XX/XX/year> & XX/XX/year> & XX/XX/year> ) I have contacted them to ask them to stop calling me and was met with snide remarks or was hung up on but the calls have not stopped. My attempts to block their numbers have been futile as I have received calls from now more than 50 different phone numbers from them. 

They also are not reflected on my credit report as the company they claim to be representing. This feels like a violation of privacy, violation of confidentiality, breech of terms, and not to mention the constant calls draining my phones battery, interrupting important life events, and causing an overall decline to my health and wellbeing.
Consumer complaint received 2024-09-19
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. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-19
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. (WI)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2015-05-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My mortgage was transferred to another servicer and I was never notified. I went to make my monthly payment and my mortgage account no longer showed up. I called my previous servicer Bank of America and they informed me that my loan had been sold. They stated they mailed letters on XXXX XXXX. I contacted them on XXXX XXXX. I have not received any information from the new servicer either.
Consumer complaint received 2024-09-19
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time. However, due to an internal processing delay on the part of XXXX XXXX, the payment was mistakenly recorded as late. I have included the bank statement and payment confirmation showing that the payment was made before the due date. 
XXXX XXXX : There was a system error on XXXX XXXX  platform that resulted in the payment being logged late. This error was acknowledged by their customer service, but it has not yet been corrected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX XXXX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (HI)

This is a follow up complaint regarding the previous complaint XXXX. The response did not address the issues and gave false information. 
The company states they record all calls and you must consent. The company refuses to all the customer to equally record the call. The company has on file each and every conversation. 
XXXX. Issue is the company representative verbally on numerous occasions in providing forbearance stated the amount would be put on the back end of the loan when the forbearances first and second were over. The company refused to do so at the end and demanded full payment. This is a bate and switch. 
XXXX. At no time did I verbally apply for a modification. I did not sign for a modification. I did not provide financial documents for a modification all required for a modification. I did not apply or request a modification. If their representative did so it was without my authorization. Any fees associated with this were without my authorization verbally or in writing. I do not owe these. 
XXXX. In writing on XXXX occasions and in multiple conversations I asked only that the forbearance amounts be put on the back end of the loan as stated by their representatives at the time of requesting the forbearances and as explained by them. 
XXXX. The company filed for foreclosure prematurely. I dispute all fees regarding the XXXX foreclosure. In the appeal response the company requested a response with more information in XXXX. Before that could be responded to they filed for foreclosure almost immediately. The company representatives in multiple conversations after the appeal was rejected verbally stated I had until the end of XXXX to pay the full amount. The next payment would be due XX/XX/XXXX. The company was advised I would make the payment before the end of XXXX which I did in full. They were advised I was filing complaints here and State agencies against their practices. Knowing this the company filed for foreclosure before the end of my deadline. This foreclosure should not have been filed and I dispute all fees. 
XXXX. The company then said the representatives were incorrect and the payment was due XX/XX/XXXX and not XX/XX/XXXX. Making a XX/XX/XXXX payment after paying nearly {$11000.00} impossible. 
XXXX. The company sent a demand for the fees supposedly in XXXX but it included an XXXX late payment. it was sent to me in XXXX but dated XXXX. 
XXXX. The company representatives have advised me I may not make my XXXX or XXXX payments since a demand has been filed and they do not accept partial payments. They are preventing me from staying current on my payments and incurring additional late fees over a demand for fees I dispute here. 
XXXX. Since the first complaint a new demand has been issued for the payments and fees I dispute.
Consumer complaint received 2024-09-20
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX : ACCOUNT : XXXX XXXX XXXX XXXX : ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 


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
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/XXXX, my friend sent me {$300.00} through Venmo. There was no purchase. She simply sent me the {$300.00} and texted me, asking me to send the {$300.00} back to her. At the time she stated that she had to verify that her Venmo account was legitimate. Therefore, I sent back the {$300.00} within 5 minutes of her sending it to me. This exchange and request was captured in my text messages. I thought nothing of it. I had been transacting with her for over a year by that time, and she sometimes provided my kids with horse riding lessons. I would pay her back for her time with Venmo. 

At that time, my personal Venmo account had a balance of {$180.00}. 

Then, on XX/XX/XXXX, Venmo deducted {$300.00} from my account. This froze my account, and displayed that I owe Venmo {$110.00}, because I had less than {$300.00} in my account at the time. Venmo stated that my friend 's bank had opened a dispute with Venmo, stating that I owed her {$300.00}. Therefore, Venmo took out {$300.00} from my balance, showed a debit on my account and froze it. 

Despite the fact that I submitted a request to Venmo to get rid of the erroneous {$300.00} debit, I received no reply. You can see by the transaction screenshot that there was no {$300.00} owed. 
My friend said that she was trying to explain to her bank that she was NOT disputing the {$300.00}, and that I owed her nothing. She said that they would have to take like 72-90 days to clear everything up. 

When I called Venmo on XX/XX/XXXX ( by the way, its almost impossible to find a way to call them ), the representative told me he could not help me, and that I would need to talk with my friend and her bank. HOWEVER, Venmo is the one holding my money!! 

I have text messages, Venmo Balance screenshots, and a statement from her bank stating they are closing their dispute. However, my Venmo account is still frozen. Venmo is still showing that I owe them money. When truthfully, they owe me {$300.00}!. 

This is a terrible company to work with. I am at my wits end. Please help.
Consumer complaint received 2024-11-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LD Holdings Group, LLC (MA)

My current XXXX fixed rate mortgage with LoanDepot for my home at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX is 6.99 %. I reached out to LoanDepot and started a refinance process around XX/XX/year> for a XXXX fixed rate of 5.99 %. LoanDepot took forever with the refinance process ( my rate lock was going to expire on XX/XX/XXXX ) and put me and my wife XXXX through the wringer under the pretext of following " the process ''. They kept asking for several documents over a period of several WEEKS! Despite having reservations about the confidentiality of data and data privacy, I went ahead and shared ALL documents including complete paystubs of both myself and XXXX as well as complete bank statements and yet, the LoanDepot underwriting team kept dragging the process on and on till XX/XX/XXXX ( note XX/XX/XXXX was the last date for lock expiry ) each time asking for MORE AND MORE information. At first they claimed it was to validate the source of funds for our extra principal payments [ we are honest citizens who have been using our own savings to pay off extra principal on our mortgage ]. Still, after all those transactions were validated, as late as XX/XX/XXXX they started nitpicking on some OTHER unrelated transactions that they saw in our bank statements. Throughout the process, I did not receive any periodic updates on what was going on and I had to proactively send text messages to my loan officer XXXX XXXX asking about this. I am extremely ANGRY and upset at the shoddy and unprofessional execution of this process by LoanDepot. I kept imploring that I be allowed to have a conference call with the underwriting team to explain everything in one go, but they refused even there. Out of sheer frustration, I finally asked them to CANCEL the refinance request. However, I want to ensure that they are held accountable, and others do not suffer through what we have. Lastly, the mortgage rates have gone back up now and so we are stuck at 6.99 %. LoanDepot has left us high and dry.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (KS)

XXXX XXXX XXXX has opened an account and reported on my credit report. In accordance with the credit bureaus, the account was opened XX/XX/XXXX, in the amount of XXXX. No collection data was reported on XX/XX/XXXX and XX/XX/XXXX.