davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-08-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NH)

I received an email an email on XX/XX/XXXX telling me that my forbearance, which was under the CARES act, was ending soon ( XXXX ) and I needed to request the extension as soon as possible if I needed it. I was told I could request this through XXXX I attempted this, and they said they can not process that request. I also emailed you directly and never received a reply. I was asking for the additional 6 months as specified in the CARES act and also as mentioned in the letter you have sent me during my last CFPB complaint. 

I sent a letter with tracking to you on which was received by you on XX/XX/XXXX also requesting this extension. 

I then called on XX/XX/XXXX to confirm you had received the letter. I was told by the representative you have, and the request will finish processing XX/XX/XXXX. I called on XX/XX/XXXX, and was told you did not receive my request and the forbearance was ending XX/XX/XXXX. I was also told you refuse to extend an additional 6 months in accordance with the CARES act, and would only look into extending it 3 months at a time. 

I have also previously called to inquire what you will need from me as far as income requirements and other questions when I do eventually restructure the loan to bring it current, and no one is able to give answers to the questions. I do not understand how you expect me to eventually bring this loan current if you can not tell me what will be required of me at the time. 

In short, I want you to extend the forbearance the additional 6 months in accordance with the CARES act and also give me the contact information for someone who is knowledgeable in the restructure process for the mortgage at the end of the forbearance so I can ensure I am prepared for it. I was told the options at the end of the forbearance are restructuring or a partial claim to bring the mortgage current. 

This is my second complaint with CFPB largely due to your unresponsiveness and inability to follow up or answer questions at all and/or in a timely manner ( generally 4+ weeks ).
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

Shelly point mortgage is showing that my mortgage is in dispute. this is effecting my refinance on my owner occupied home. they are also showing a late fee on the monthly statement and i have never been late on this loan in 15 year.
Consumer complaint received 2024-08-28
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 rewriting to formally resubmit the complaint to EQUIFAX regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under XXXX XXXX XXXX XXXX XXXX  which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Consumer complaint received 2024-08-17
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)

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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. 


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

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2020-05-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

Hello, On XX/XX/2020, my car was T-boned and declared a total loss. Everything is covered by insurance but the problem with Hyundai Motor Finance " www.hmfusa.com '' they are not updating the information on the account and I'm forced to make payments at every beginning of the month {$370.00} lease amount and if I don't pay it becomes past due and affects my credit score. My insurance requested a letter a guarantee and nobody responded since XXXX. My insurance tried to reach them on numerous occasions with no callback or response from HMFUSA. I am thus forced to pay monthly payments for a vehicle that I do not own anymore and that is not being paid off due to HMFUSAs failure to get this issue resolved. It is my understanding that HMFUSA is delaying the payoff on purpose to obtain more money from me rather than apply my gap insurance. HMFUSA is taking advantage of the pandemic, myself, and is acting in bad faith. On XX/XX/2020, I received a confirmation letter from Hyundai Finance that my " insurance company notified Hyundai Motor Finance that your vehicle was deemed a total loss. '' Since then for las couple of months I, my attorney and my insurance company trying to reach the HMFUSA but the company is not responding. I did email then with the request to update the information on my account and nobody is responding as well.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

submitted a dispute to the credit bureaus where the errors appeared. I did this [ online/by mail/by phone ], ensuring I included all relevant information and supporting evidence. 
In my dispute, I clearly identified each incorrect item and explained why it was wrong. I also referenced 15 U.S.

Code 6801 to emphasize the importance of protecting my personal information and ensuring accuracy. I also have proof from the court of XXXX XXXX that they do not provide credit reporting agencies verification information on consumer reports
Consumer complaint received 2020-05-04
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. (VA)

To begin with, this is not the first time I have been attempting to remove the incorrect personal information on my credit reports. My first dispute towards removing the erroneous information was on : XX/XX/2019. Nothing was ever done, I even sent it notarized letters ( twice ) to all agencies : XXXX, Experian, & XXXX in order to correct the inconsistencies on my report. My name is XXXX XXXX XXXX XXXX XXXX, That is the way it should reflect on my credit reports. The way I see it reflecting is wrong such as : XXXX XXXX XXXX ( XXXX ) / XXXX XXXX XXXX ( EXPERIAN ) / XXXX XXXX XXXX ( XXXX  ). I demand to know the reason why this information hasn't been updated or changed at all. According to the FCRA, if the information is not verifiable, accurate, nor complete it would have to be changed immediately. Please correct the information as soon as possible, thank you.
Consumer complaint received 2024-08-17
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. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately!
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have contact the company as well as filed a complaint. This company was reporting incorrect information and did not conduct a proper investigation. I contacted XXXX XXXX about the matter and theyve confirmed its not being reported correctly. I am requesting the account is deleted. This company has reported a payment history on a closed account.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

Pursuant to 15 USC 1681 ( a ) I did not authorize consent to nor benefit from the listed account. Please Delete immediately and Pay the invoice for all Federally Protected Consumer Right Violations!!!! I sent an Affidavit two months ago, I have not received a response back.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

This letter I HAVE ATTACHED is a formal complaint that this credit bureau has ignored my previous TWO request and failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. I get no response from the credit bureau when I submit disputes.
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2020-05-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}, {$7400.00}, {$8700.00}, {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 


-- CLOSED ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Consumer complaint received 2022-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. XXXX SHOCKED HOW IT HAPPENED.
Consumer complaint received 2022-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (FL)

To whom it may concern : I have reached out to Chase regarding a late payment fee that was put on my account. I was unable to pay my account in a timely manner for XXXX 2021-XXXX 2021, which made me receive the late mark for XXXX. I fell ill due to XXXX, which lead me to not be able to work. I reached out to Chase and a representative ensured me that I wouldnt receive any late marks if I paid my XXXX 2021 bill, so I paid it and it didnt make a difference on the reporting because it was still marked late. I have been a card holder with Chase for many years and have always paid my account on time. Im hoping this will help my case when it comes to this late remark.
Consumer complaint received 2022-02-25
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: EQUIFAX, INC. (PA)

While reviewing my credit report I noticed some things that alarmed me. I noticed someone was using information to get financial aid of some sort in the form of student loans and other things. It was alarming because this was not me nor did i give anyone permission or consent to use my information this was not.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The below company repeatedly reports late to all 3 credit bureaus which is not true or consistent to what me as the consumer has been doing. The amount of excessive late payments reported is very unethical and shouldn't be on my credit report. 
XX/XX/XXXX {$630.00} Balance updated XX/XX/XXXX 25 late payments XX/XX/XXXX 30 - - - - - - XXXX 30 60 60 XXXX 30 60 90 90 120 90 60 60 90 90 120 90 XXXX 30 60 60 90 60 60 60 60 60 XXXX XXXX - - - On Time 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable
Consumer complaint received 2020-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a XXXX  resident. I have disputed numerous times a Chapter XXXX Bankruptcy on my credit. I have been a XXXX  for 7 years. I called ohio bankruptcy and they stated they do not provide 3rd party  agencies such as Transunion, XXXX XXXX and XXXX do not provide the whole social security number. Bankruptcy does not verify information over the phone nor through the mail. The address on this Chapter XXXX is not that of my address which is my Nevada address. I disputed this bankruptcy with transunion stating this bankruptcy is not mine and the address of the bankruptcy does not match nor do transunion or pacer show the full social security number. Transunion removed the bankruptcy some time before and reinserted the bankruptcy without my knowledge of doing so. This is my final attempt to rectify this situation before seeking legal counsel.