davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

First and foremost, your automated system does not allow me to speak to a customer service agent. 
This is the third consecutive month that I received my monthly statement the day before the due date or a few days after the due date. The statement date on my current statement is XX/XX/2021. I'm pretty sure that the postal service does take 10 days to deliver this bill from XXXX XXXX, Colorado. 
I have been trying to avoid monthly late fees by asking my son to make my monthly payments via the computer. I literally received my statement today, XX/XX/2021, with a due date of XX/XX/2021. The payment processing address is XXXXXXXX XXXX XXXXXXXX, California. Please explain to me how my payment will make it from Florida to California on the day of the due date? I'm an XXXX  women trying to make my payments on time. The last thing I need is to be charged late fees or fall behing on payments.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXG Inquired on XX/XX/XXXX 2020
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WV)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.SCode $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receiptIt has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relatesNEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFTAs a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2021-07-23
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: NAVY FEDERAL CREDIT UNION (FL)

I am a victim of identity theft. My personal information was stolen/shared with unknown sources. These accounts are reporting inaccurate information on my credit profile and needs to be removed immediately from my credit files. I have no knowledge of the following accounts nor inquiries reported on my credit report. It is addresses in Ohio with accounts attached that are fraudulent, please remove them immediately. 

Dept of edu/XXXX  : XXXX this is not my account! 

XXXX XXXX XXXX  : XXXX, XXXX these are not my account. This are repeated accounts showing on my credit profile by the same company. 

XXXX XXXX XXXX : XXXX {$430.00} I have no knowledge of the account XXXX XXXX XXXX : XXXX {$260.00} This is not my account XXXX XXXX {$2200.00} this is not my account XXXX XXXX : XXXX {$440.00} this is not my account. 

Navy federal credit union:XXXX {$530.00} this is not my account XXXX XXXX : XXXX {$1200.00} this is not my account. 

There are more than 30 inquiries on my credit profile from someone trying to still my identity.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

Experian is showing my on their credit report my account with XXXX was 30 days late from XXXX of XXXX. This account should never have been late and should never have been reported late. I have filed previous complaints in XXXX to address this error in reporting. For some reason this account this year started to report that period in XXXX of XXXX as late. I filed a complaint with the CFPB and XXXX responded that they directed Experian to report my account as never late. Their response to the CFPB complaint in XXXX and then recently in XXXX of XXXX indicated the same that they directed Experian to report my account as never late. 

In XXXX I filed a complaint with Experian XXXX in which they responded to the CFPB that my account was reflecting exactly like I said it would as never late. 

I have been filing disputes with Experian to challenge this error in reporting. Each time they tell me the company is telling them I was late. They will not look at their own comments or any of the documentation that I provide them that this is an error. They simply say it is a automated dispute system and the creditor is saying I was late. 

They tell me I can go back to the creditor but when I go back to the creditor they say they have directed experian to correct this information. It is a back and forth an back and forth where my credit report remains in ERROR and Experian is doing nothing to fix it.
Consumer complaint received 2021-07-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

My FHA Mortgage forbearance expired XX/XX/2021. I contacted my mortgage servicing company Community Loan Servicing LLC to find out next steps i.e. what option is best for me going forward. They told me that because I had arrears prior to the mortgage forbearance that I did not qualify for the various FHA Mortgage Covid-19 options which would best help me. 
The only options they presented were ; 1. Pay the lump sum of all mortgage arrears this includes the portion currently being paid in bankruptcy 2. A hardship modification which they have denied in the past. My financial circumstances are worse now due to my lay-off during the pandemic. Their past denial of a mortgage modification is why I went into bankruptcy to prevent a foreclosure. Now Community Loan Serving is also saying that they will likely deny any new hardship modification again and start foreclosure procedures again. During the mortgage forbearance period payments were made by the Bankruptcy Trustee to the mortgage loan. As a result of these payment by the trustee the actual arrears portion of my mortgage loan has gone down. I dont know how this effects the current actions of Community Loan Servicing. They have refused to accept a normal mortgage payments from me at this time. 
Based on my conversation with Community Loan Servicing they said my only options are the 2 noted above. This is not what I was told when I requested the mortgage forbearance. The mortgage forbearance has made my situation worse instead of better because I was given inaccurate and incomplete information by Community Loan Servicing. They are using the mortgage forbearance to force people into foreclosure instead to helping home owners stay in their homes. At no time when I requested a COVID-19 forbearance was I told that Community Loan Servicing could refuse to do any of the options offered by the FHA.

In reviewing the Community Loan Servicing LLC website they never mentioned that persons who currently have arrears can not take advantage of various FHA assistance options due to Covid-19.

Below are 2 FHA websites and at no point does the FHA on its website mention that persons already in arrears can not take advantage of other FHA payment options at the end of the mortgage forbearance period. 

https : XXXX https : XXXX
Consumer complaint received 2021-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (FL)

I am not liable for this debt with XXXX JUST MOVE XXXX XXXX and I do not have a contract with ALDOUS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Consumer complaint received 2021-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

I had an accident the beginning of XXXX which in the same week my insurance company dropped Bridgecrest the {$28000.00} to be exact it is now week six and Bridgecrest is still holding my money for my overpayments every time I call I get the runaround I was first told 7 to 10 business days that came and gone then it turned into 4 to 6 weeks now here we are the sixth week and theyre still holding my money they got way more than what I paid for the truck none of their employees know what theyre talking about every time I called Ive gotten a different story a different time frame a different process I am a XXXX mother of XXXX children XXXX being a toddler XXXX being an infant neither of which I can get to the grocery store or doctors appointments or nothing for that matter because they refused to release my money so I can move on with my life and get another vehicle from experience find another company!!!! Now here it is almost 2mnths later still no updates still no refunds.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

M

y consumer rights have been violated pursuant to 15 usc 1681a ( 2 ) ( B ) any item on my consumer report and consumer file that was originated through a credit card, in this case my social security card as defined in 15 usc 1602 ( l ), it should be excluded. I am demanding that the accounts be deleted from my consumer report and consumer file immediately as they are violations of my rights as a federally protected consumer under title 15 chapter 41. Pursuant to 15 usc 1681i ( 5 ) ( A ) I should be notified of reinserted accounts within 5 business days of the account 's reinsertion. I was not notified within 5 business days of this action, therefore, I demand that the account be permanently removed from my consumer report and consumer file immediately as this is also a violation of my rights as a federally protected consumer under title 15 chapter 41.
Consumer complaint received 2021-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX/XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-06-08
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)

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Consumer complaint received 2021-07-22
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. (PA)

On XX/XX/2021 I sent a dispute letter to Equifax, XXXX XXXX, XXXX  about my consumer credit report. Under 15 USC 1681b Permissible Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX, EQUIFAX, XXXX XXXX any written consent to report anything on my consumer report. No Consent is Identity Theft. A copy of the LAW is attached with this dispute letter. Concerning the accounts listed below as a consumer, I am demanding a deletion of this account.
Consumer complaint received 2021-07-23
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. (IN)

I have spoken to all 3 bureaus 5-6 times over the last 6 months. They refuse to help or make their wrongs right. XXXX after a year is now reporting my XXXX  XXXX authorized user account as it is suppose to but the other 2 have failed to do so. Along with that I have been fighting XXXX over an identity theft that has caused all 3 bureaus to place several things that were not even the proper name on my report. They have removed most of these items but only after reporting to this company. There are still 2 inquires on my transunion that are fraudulant one from XXXX and XXXX. The companies verified them to be fraud and that was 6 months ago so why are they still on here but the others from the same place for the same reasons were removed as they should have been. My acct number ends in XXXX for my XXXX XXXX account that was suppose to be added over a year ago. XXXX has now fixed this and added it but the other 2 have not. A YEAR OF TIME AND WORKING TO BUILD CREDIT AND THEY HAVE PLACED ME 10 STEPS BACKWARDS FOR THIS ERROR ON THEIR BEHALF. It is keeping me from being able to purchase the home I need for my 3 children. This needs to be fixed. There is also a new account added last month that should be showing up and I worry with all the mistakes they make that it too will not be added. These bureaus have destroyed the last 6 months of my life because they are not doing their jobs properly and I would like to sue them for all the fraud that they allowed to be placed onto my reports.
Consumer complaint received 2021-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have reached out to Capital One Bank several times to have the information being reported removed as it is reporting inaccurately. I have given several chances to have the information verified and proof shown and this has not happen. First letter went out XX/XX/2021, second went out XX/XX/2021 and third went out XX/XX/2021 and all I have received is that the information was completed over the phone which does not show contractual proof the debt is mine.
Consumer complaint received 2021-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (DE)

XX/XX/2021 Sequium Asset Solutions LLC placed derogatory entries on three credit reporting agencies claiming I am in default of some kind of debt from who knows who for {$1400.00}. They are wrong. I owe nothing to anyone at this time. I have attempted to contact this company by email on XX/XX/2021 and have not received a response back from them.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several items on my credit report that I have paid off over a year ago. Being the lender XXXX XXXX required that all open collections be paid off and they wrote a check to pay off items in order for approval of funds. 

The following account name - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-07-22
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: AMERICAN EXPRESS COMPANY (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft AMEX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.