davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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 am writing to formally dispute the charge-off listed on my credit report under the account number referenced above. Upon review of my financial records and my Wage & Income Transcripts from the IRS, I have discovered that Affirm filed a 1099-C form with the IRS for this account in the tax year 2023 indicating that the debt was forgiven and reported as income.

Given that the creditor has officially written off the debt, as evidenced by the 1099-C form filed with the IRS, it is my understanding that the continued reporting of this account as a charge-off is inaccurate and misleading. 
Please find attached a copy of my Wage & Income Transcript for the tax year [ 2023 ], which includes the 1099-C information reported by XXXX. I request that you immediately investigate this matter and remove the charge-off from my credit report to reflect the accurate status of this account. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to correct any information that is inaccurate, incomplete, or unverifiable. I kindly ask that you complete this investigation within the 30 days allowed by law and provide me with written confirmation once the charge-off has been removed. 
Thank you for your prompt attention to this matter. I look forward to your response
Consumer complaint received 2024-10-23
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-07-19
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. (FL)

My account with XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 those account 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. 


XXXXXXXX XXXX XXXXXXXX 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 2024-10-21
Product: Mortgage — FHA 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: Shellpoint Partners, LLC (MD)

I applied for loss mitigation/loan modification & I thought my servicer ( Shellpoint ) could help. The new payments are {$350.00} higher than previous payments & I thought these agencies try to work with homeowners but I was told " we don't negotiate with homeowners ''. I'm XXXX & have equity in my home. I researched & this house would sell between $ XXXX, XXXX believe I owe around {$180000.00} so I'm just trying to understand why the payments would go up instead of the servicer keeping payments affordable. Raising it by {$350.00} doesn't help me a bit.
Consumer complaint received 2023-06-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

This complaint is filed against AmeriSave Mortgage Corporation. 

On XX/XX/2023, 2 days before our settlement date, the closing cost ( Section E - Taxes and Other Government Fees ) was changed from {$6800.00} to {$10000.00}, resulting a net increase of {$3800.00} in this section. 

In Closing Disclosure dated XX/XX/2023, no specific " Change of Circumstance '' was provided. It simply says " CD to CD ''. 

The purchase agreement ( contract ) was supplied to AmeriSave at the beginning of the application. There was NO CHANGE in purchase agreement regarding how tax and fees should be allocated during the mortgage application/processing. 

Per CFPB website, closing costs that can not increase at all if there is no " change in circumstances '' include : Transfer taxes These changes were made 2 days before settlement without material change to loan application and adequate disclosing. If AmeriSave had made a mistake in allocating such costs in all earlier versions of Closing Disclosures, are they legally bound to stick to them? Adjustments made by AmeriSave at the last moment without any change of circumstances ( at least not any circumstances from applicant side ) is not only surprising and misleading, but also created unnecessary chaos during settlement. We challenge the legality of such practices and demand a refund for discrepancy caused. 

We have Closing Disclosures dated XX/XX/2023, XX/XX/2023, XX/XX/2023 for the record and can supply them if needed. 

Best Regards, XXXX.
Consumer complaint received 2023-07-15
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: Experian Information Solutions Inc. (FL)

In my complaint on XX/XX/XXXX about credit reporting, XXXX ACCOUNT XXXX XXXX XXXX replied letter on file shows the last payment date as XX/XX/XXXX. 
This means there was no more activity on this account as of XX/XX/XXXX, XXXX 's payment history shows paid on time for XX/XX/XXXX. 
The first XXXX days late was reported XX/XX/XXXX. Where is the XXXX days late payment? 

XXXX 's mentioned in the letter to reach out to the outside collection agency XXXX XXXX XXXX which shows XXXX 's has sold the account The XXXX report does not show this account sold. 
According to XXXX and Experian reports, XXXX XXXX has been reporting ( CO ) for the last XXXX years. XXXX and Experian are re-aging this account as they are reporting inaccurate information. 
XXXX is reporting in the letter balance is XXXX and XXXX is reporting the balance as XXXX The account opened in XX/XX/XXXX XXXX shows no data available from XX/XX/XXXX up to XX/XX/XXXX. 
ON XXXX report show activity designator closed, XXXX XXXX reported CO charged off XX/XX/XXXX, and XXXX XXXX is reporting on a closed account is a violation. 
There is no signed contract with XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

on XX/XX/year> I mailed correspondence to all three credit bureaus with my identification and my drivers License showing my address and my full legal name I had notified them to remove all information, not pertinent to me. They keep reporting the same incorrect names and an incorrect address that I have told them that I do not own. they have refused to remove them even when I called. I can not properly dispute accounts that are not mine if they dont stop reporting the wrong names on my account and the wrong addresses.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Employer - XXXXXXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX Incorrect XXXX : - 1982 Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL, XXXX Employer - XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged DEPT OF EDUCATIONXXXX - XXXX DEPT OF EDUCATION/XXXX - XXXX DEPT OF EDUCATION/XXXX - XXXX DEPT OF EDUCATION/XXXX  - XXXX DEPT OF EDUCATION/XXXX - XXXX DEPT OF EDUCATIONXXXX XXXX XXXX Listed below are the Collections that are being challenged 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 Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Advisors Foundation (NE)

My Bank XXXX referred me to XXXX, which referred me to Credit Advisors to negotiate reduced interest rate on my credit cards. I spoke to XXXX XXXX multiple times in early XXXX. He explained that they had a program where by I could enroll all my credit cards, they would put them on reduced negotiated rates. He explained that I would not be able to use the cards while they were in the program, but they would re-activate once paid off, or I could remove them to the program at any time. While on the program, I would make one consolidated payment to Credit Advisors. We spoke on 3 or 4 occasions because I had to look up data and card numbers, and he had to calculate what my consolidated payment and what the interest rates would be. I have 2 credit cards with XXXX XXXX - a XXXX card that I pay off every month. I have had this card for approx 30 years. Last year I ran approximately XXXX - XXXX per month in company expenses thru this card as I work for a start up. I also have am XXXX XXXX XXXX credit card with a balance and a high interest rate. Right now I am not traveling, so I don't need the XXXX card, but if the country opens back up I will need it. XXXX said since I can withdraw a credit card at any time he recommended I put it on the program, or I could pay off the XXXX card early and then have both cards back to use. I also was not sure putting all the cards in the program was a good idea as I might not have enough emergency funds, but he convinced me otherwise. He sent me a contract, and I asked if I had to read it carefully and he said it was everything we discussed. I signed up. I have since discovered that XXXX XXXX 100 % Materially Misrepresented this program. Credit Advisors has permanently closed all of my accounts and tagged them as in collection. I have asked to be withdrawn from the program and they have told me I can not. XXXX was not adequately supervised, and I am told their phone calls are not recorded. I now have need for emergency funds. I have lost 30 years  worth of credit history. I can not re-apply for all of these cards without a significant negative impact to my account. I NEVER would have enrolled any of my cards in the program if I had been told my accounts would be closed. I had additional travel benefits I got from some of the cards. This company made false statements to my detriment, they are saying they can not fix it. They are not qualified to be a credit advisor. They gave me VERY INAPPROPRIATE Credit Advice. I have spoken to their CEO and a manager and they are telling me I can not withdraw from the program. They say can not re-open my accounts that they closed without authorization.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX - XXXXXXXX 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 XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the removal and blocking of all fraudulent accounts and inquiries listed below, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a recent victim of a data breach, I am exercising my rights to ensure that any accounts established or inquiries made without my authorization are removed from my credit report. 
The following inquiries are unauthorized and were made fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, IL, XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-19
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. (CA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-23
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2020-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (CA)

I am writting to report multiple violations to my rights as a consumer. The account information : The Bureaus INC : XXXX, original balance {$9800.00}. 

The Bureaus Inc has committed multiple violations : 1. Re-aging account : Account has been re-aged for sure, went to collection in XXXX and. showing fall off year of XXXX, meaning 7 year started from when the item was given to collection and not original charge-off date Unfair business practices. 
2. Incorrect last activity date.

3. Incorrect last payment date.

4. Breach of contract 5. Negligence I am demanding a deletion letter, this item must be removed from my report. 

This situation is overwhelming for me. I cant wait too long to get this matter solved. Please send me a response asap. 

CFPB : Please send the attached documents to the company. 

Thank you very much.
Consumer complaint received 2024-07-19
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. (NY)

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX XXXX # # # # -- -- EXPERIAN XXXX XXXX XXXXXXXX # XXXX XXXX -- -- XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX # # # # -- - XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-10-23
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)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2022-11-10
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. (AZ)

This is XXXX XXXX and I am submitting this CFPB complaint reagrding the Fraudulent accounts I found on my updated Credit Reports. It has been a battle going through this and I am submitting yet another CFBP Complaint to delete the following fraudulent accounts in my file. The accounts I need deleted are listed below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the Fraudulent accounts showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the accounts listed below as soon as possible in accordance with the Fair Credit Reporting Act section 605b : EXPERIAN : XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX XXXX {$5700.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$880.00} XXXX BANK XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$2000.00} XXXX PL XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$440.00}