davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
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)

I have repeatedly sent certified letters to Experian and collection agencies portfolio recovery and XXXX funding and original creditor about these fradulent accounts and information is repeatedly being updated by credit bureaus and XXXX XXXX portfolio recovery is simply not responding to any of my letters nor have any company validated these fraudulent accounts. 

I have also recently repeatedly disputed the accuracy of reporting on this XXXX  collection account, and the results came back verified despite me contacting XXXX XXXXXXXX about this account before it was charged off on XX/XX/XXXX. The information credit XXXX company had on file for this account was incorrect during our recorded phone conversation. I gave my correct email, address and phone number during our phone conversation and was told that the information would be corrected and the investigated. On XX/XX/XXXX I was notified via phone that I would receive an email to send in an affidavit to complete and send back and I never received that email with an affidavit before this account was closed so how can this account be verified as accurate if I never had the chance to submit an affidavit when I notified you about this account before it was closed/charged off. 

Below I have attached all letters sent to XXXX XXXX, Experian and XXXX funding about these fraudulent accounts.
Consumer complaint received 2024-07-20
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. (TN)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX, XXXX, XX/XX/XXXXXXXX XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX,XX/XX/XXXXXXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

XXXX XXXX XXXX lied and bullied me. There letter stats that they charged the XXXX  closed accounts as a charge off and took a loss. And that they still collect the debt. Was a charge off in XX/XX/year>. Then I wrote to the XXXX and there response was that all XXXX accounts were charged off and placed with collection agencies. They said they would reissue a XXXX. So XXXX XXXX say they can collect the debt after they charged it off as a loss, sent to collection agencies. If it was charged off as loss and sent to collection agencies by FCRA law they must report to Credit Bureaus the balance, amount due all Zero 's. Then I sent Transunion all letter 's and documents and there not following the FCRA laws even with proof. So Transunion isn't practicing the law. They know it and this has gotten me XXXX out. So over the past year Transunion always say been verified as accurate even with the proof of letters, and response from XXXX XXXX. Both companies, XXXX XXXX and Transunion are not practicing the FCRA laws. I ask that this be resolved as soon as possible.
Consumer complaint received 2024-07-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (ME)

Freedom Mortgage XXXX to XXXX XX/XX/XXXX XXXX. They paid XX/XX/XXXX real estate tax in XX/XX/XXXX. 
XXXX. The XX/XX/XXXX real estate tax is outstanding in the amount of XXXX XXXX. In the next XXXX months there are the XX/XX/XXXX tax due, the XX/XX/XXXX tax due and the XXXX insurance payment of about XXXX due. 
XXXX. My current escrow balance is LESS than XXXX dollars. 
XXXX. This problem is shared by all the Freedom Mortgage holders in the town of XXXX XXXX. 
XXXX. My attempts to correct so far was a response from Freedom that they contacted the town office and problem corrected. That is not true, as there is no contact to the town office from Freedom. 
XXXX. The thread seems to be this is happening to mortgage holders that have really low interest rates. Mine is fixed at 2.25 %. 

I investigated escrow acct back to XXXX. I found that the XXXX XXXX and XXXX real estate tax payments were paid on time. The XXXX XXXX payment was made on time XXXX was not. This XXXX payment was finally made in XXXX XXXX. This 6 month late payment triggered a tax lien letter from the town of XXXX Maine.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my XXXX XXXX being low with all these wrong information.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2020-06-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ALLY FINANCIAL INC. (NJ)

My father received a call from XXXX XXXX XXXX ( XXXX  ) asking to speak to me. The representative from XXXX told me father to have me call them back because, " They wanted to help me. '' I can assure you that they weren't looking to help me in the slightest!.

Anyways, I called XXXX and after being transferred around a few times I was handed back over to the original woman who took my call. Simply put, she asked me, " How would I like to pay the {$16000.00} today '' in regards to the alleged amount of money I owed on a vehicle that was totaled in an accident. I explained to the woman my lawyer was handling the case and she asked me to call her back with my lawyers contact information for which I did not. However, Ally and XXXX contacted a former lawyer of mine ( WITHOUT MY CONSENT ) in regards to this matter. I did not give XXXX or ALLY the consent to contact any lawyer at this present time. Also, you will see in the letter that XXXX insinuates that this account will be referred to a lawyer if they do not hear back within in 30-days. Threatening the involvement of a lawyer is beyond an unethical and illegal scare tactic.
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. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-23
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. (CA)

Sent letters in XX/XX/year> asking for amount of payoff of the car never received information back than another company has my debt and I know nothing about them or knew they was selling my debt and they wouldnt communicate with me or send proof of amount of what is suppose to be owed
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am submitting this communication to XXXXXXXX XXXX  regarding alledged account XXXX XXXX XXXX XXXXXXXX illegally REINSERTED violating the FCRA that is now reporting in the CLOSED section on my Equifax credit report as of today XX/XX/XXXX. 

Therefore, I am submitting this communication under the provisions of FCRA 623 ( a ) ( 8 ) ( E ). 

I submitted my dispute via CFPB # XXXX on XX/XX/XXXX and received a response via CFPB XXXX XXXX XX/XX/XXXX stating account was DELETED. See Screenshot Attached ). Why was this account Illegally REINSERTED and again reporting in the CLOSED section of my Equifax credit report again today XXXX. 
XXXXXXXX XXXX  has illegally REINSERTED this account and I will get a lawyer if this alledged account is not DELETED again immediately.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

I Reviewed my Consumer Reports and noticed that I had four payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX  Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (ME)

I opened a Relia Card when I got it in the mail, thinking it might be the only way to receive unemployment from Maine. When I figured out I was wrong, I tried to call Relia Card or by online close my card. You can't do it online, in fact, my login won't work after I set it up, and it says you have to call, but no matter how many times you do, you can't get a person on the number to do so, and the quality of that waiting call is so XXXX  you can't even understand the recorded message very well. I have no way to close this card, and it says I will be fined monthly for inactivity by the paperwork. I don't want this card at all. When the automated voice comes up, too, asking for the account, it asks for dates, which I put in correctly and it just repeats itself over and over claiming I'm entering the wrong numbers or there is no such account.
Consumer complaint received 2024-08-25
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: EQUIFAX, INC. (MD)

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 Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-08-23
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. (CA)

XXXX posted a late payment/collections derogatory mark on my personal credit based on a business account that my former company had settled via the receivership process. I submitted proof the receivership trustee 's settlement letter and the cashed check XXXX accepted from the offer- which is legal acceptance of the settlement offer. The account should be settled and closed, not in collections and not on my credit report. 

Experian did a very fast " investigation ''. According to our company attorneys, Experian did not find correctly.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

please refer to the previous CFPB file : XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, Re : Demand for Immediate Access to My Credit Report - Violation of My Rights I am writing to demand immediate and unfettered access to my credit report through Equifax.com. As a consumer, I am legally entitled to view and obtain my credit report, and your persistent failure to provide me with this access is unacceptable, unprofessional, and a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ).

For the past [ insert time frame ], I have been unable to retrieve my credit report despite numerous attempts and repeated follow-ups with your support team. This ongoing delay and lack of response demonstrate a gross disregard for my legal rights and personal financial security. It is your responsibility to ensure consumers can access their reports quickly and efficiently, and you have failed in this basic duty.

I am formally demanding that you immediately rectify this issue and grant me full access to my credit report without further delay. Should you fail to comply with this demand within seven ( 7 ) days of receiving this letter, I will have no alternative but to escalate this matter, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and exploring legal action against Equifax for non-compliance and potential damages resulting from your obstruction.

This is not a request. It is a demand for immediate action. I expect a written confirmation of my access being restored or the credit report being provided without any further delay. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

On XX/XX/year> a Collection account was credited in a similar name to mine but isnt mine. I be requested information about this fraudulent account but has have no luck resolving the issue with them. I notified them Im a victim of identity theft for about XXXX yrs now and goods /services have been requested on my behalf due to fraud.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My employer is incorrect and has been reporting incorrect repeatedly. My name and address is also incorrect and needs to be corrected.I have updated this information with XXXX and XXXX and XXXX and all other bureaus need to update this information immediately.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 2024-08-23
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: Shellpoint Partners, LLC (NM)

Do not bother to send this complaint to NewRez. This is about CFPB as messenger, not solver of problems. I have had mortgages for many years but I have never had a mortgage company threaten and XXXX me over what I am supposed to pay them. I have paid my own taxes and insurance for years. Within a few months of them taking over from XXXX they threatened me with a {$2000.00} flood insurance premium if I did not get insurance myself. My insurance paperwork shows a map indicating I am not even CLOSE to a flood zone, nevertheless I had to buy insurance and got it through XXXX at a much reduced cost. I expect with their unholy control to make me buy hurricane, earthquake and any other problem they can dream up. I have paid my own taxes on mortgages since the onset in the early XXXX. They, however, are trying to make me pay THEM to pay MY taxes. I refuse. I paid my normal amount in XXXX on time, yet received 'no payment ' notices from NewRez. I called and spoke with an agent who told me I could pay the 'tax amount ' and get a refund. There is NO WAY IN THE WORLD I would ever give them money for nothing and expect a 'refund ' some ... day. I had no idea mortgage companies have this new found vicious control over my mortgage. I will fight them and win, but obviously not with help from CFPB. Don't bother to forward this to them, I don't want any more gibberish about why they are allowed to threaten and bully. Too bad you won't help CFPB, too bad mortgage companies are allowed to do this, it is truly incredible.
Consumer complaint received 2024-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc. (GA)

On Thursday XX/XX/XXXX, I paid an additional {$81.00} to BSI Financial in addition to my monthly statement amount. I was told verbally of this charge on XX/XX/XXXX when I made my monthly payment. Since it was not on my statement, I asked to receive the request in writing. I have requested this information to be sent in writing 3 times. In addition, I have requested clarification by writing to XXXX and sending a message through my portal on the BSI Financial website. I have not received the documentation that I requested. Although the additional {$81.00} was not on my statement, and I received no written request or explanation, my account was shown as past due until I paid it. Please send an explanation of this additional charge in writing. Also, please explain whether or not this {$81.00} being considered past due will result in a late fee.
Consumer complaint received 2024-08-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Perpay, Inc. (WY)

I paid my perpay account off in full and closed my account. I do not owe them anything and I do not have an open account anymore with them. They reported it is still open and I still owe them money causing my score to decrease drastically. This account is paid off and closed and I disputed this with XXXX and they came back with the result I am delinquent and the account is not paid. This is all false and I paid a lot of money to close this account. I have bank statements proving this. This needs to be fixed immediately
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

Equifax has a bankruptcy report attached to my credit history. They gave court phone # to call. I called and found out that there is another person with the same last 4 digits of my social security number with a different last name. I called Equifax and they said they would investigate. Upon investigating they insist they have the correct info. They gave another number to call XXXX XXXX ( XXXX ) and they confirmed that I do not have any bankruptcy court. They confirmed Equifax is using the wrong info. I am in the process to buy a home and I need a resolution as soon as possible. I am at risk to lose my mortgage