davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (MA)

Shellpoint Mortage is absolutely horrible. Not only incompetent and unfriendly, but unethical. DO NOT DO BUSINESS WITH THEM. 

Our mortgage was transferred to them without our consent and they have entirely screwed up our plan to pay off our mortgage early - costing us years and XXXX  in additional interest. It's a fairly common practice to pay additional principal each month to pay off a mortgage early. Shellpoint forced us to send in a physical form to do so, and after several billing cycles of not applying additional payments to the principal of our mortgage, they told us doing so was not possible. Extremely incompetent, unethical, and borderline scammy. AVOID AT ALL COSTS.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am having a hard time understanding why and how this account is still reporting on my file- when I have continuously requested for your company to remove it because it is inaccurate. This inaccuracy has affected my credit score, thus affecting my entire plans of getting financial help.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/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 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 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting 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. (FL)

This debt showed up on my report as being in default. 
I have not lived in Connecticut to open such an account, I called XXXX XXXX XXXX and it states it was opened in that state. 

This is NOT my doing and I want it taken off my credit report!! 

This is FRAUD!!! and it needs to be handled. 

This account was opened up and It does NOT belong to me!!!! 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2024-09-05
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. (PA)

I was shocked to discover inaccurate accounts on my credit report this afternoon, and I have no idea how they got there. I routinely check my credit report, but this time there were random discrepancies that took me completely by surprise. I even tried refreshing my browser, hoping it was just a glitch, but unfortunately, the wrong accounts stayed there. Now, I'm left feeling anxious, and I need the documents I've sent to be thoroughly reviewed so I can finally put this behind me.
Consumer complaint received 2024-09-05
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I'm writing about a business credit card AMEX is trying to hold me. personally liable for. XXXX, XXXX to whom this card was issued elected for a private liquidation per the terms of the XXXX XXXX. There is no money left as all unsecured creditors were paid XXXX  XXXX  of their debt and we are dissolving the company shortly. 

According to the company attorney, the explanation accompanied the check. AMEX accepted the check, making the settlement binding. Legally, AMEX can not accept the settlement money and then choose to ignore that it has settled the account. AMEX had the option to reject the settlement and either discard the settlement check or return it to the liquidator. But it legally can not accept the settlement and continue to pursue collection. 

On XX/XX/XXXX, I spoke to an AMEX representative about the liquidation settlement and was asked to send documentation of it to a specific address : XXXX XXXX XXXX XXXX XXXX, TX XXXX. I sent them the requested documentation the next day XX/XX/XXXX. I was told no further action would take place until AMEX had reviewed the settlement documents. Further, I followed up with AMEX on XX/XX/XXXX at which point the representative told me AMEX was typically slow processing documents mailed that address and to be patient. 

AMEX is now threatening to send the account to collections when I have been making a good faith effort to be in communication with AMEX and sending them legal documentation - from which I have not heard back. 

First, the account should not still be open it was legally settled. But if AMEX is not convinced of this, it should not be making derogatory marks on my credit while the issue is in review- which it did. Nor should it be sending the account to collections while we are discussing the matter.
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX and XXXX XXXX XXXX were my XXXX XXXX XXXXXXXX technician contractors. They opened and used numerous accounts without my authorization. I notified the creditors. I was told to provide information that i don '' t have and I was also told because it is over 60 days that I am responsible. I provided with copies of the police reports. Instead, they kept selling them to different buyers. I need your help.

i requested them for the original contract with my signature, the complete information of the original creditor, the payments history and itemizes bills, and proof of ownership. Proof that it was permanently deleted out of all credit bureaus
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (VA)

Sorry but I dont have all the dates I have contacted the company more but have the chat dated which is attached XX/XX/XXXX, cant call them but tried since XX/XX/XXXX and every month to get this resolved every month explaining yes later then normal due to family situation mother took XXXX XXXX and XXXX XXXX so yes it has taken financial hit to us but never been 30 or more days late. 
Then disputed with credit bureau on these dates with no resolve and called them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and some of the dates sent documentation.
Consumer complaint received 2024-07-26
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. (OK)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

So there is a XXXX credit card in collections or as a charge-off on my credit report and it has been there since around the time of my divorce in XXXX My ex-husband ran a few of my credit cards up I paid them all down they were always automatically put into my checking accounts so they I just paid you know monthly whatever got the first bills before my divorce was finalized before he messed with all of my mailings put the credit card numbers into my bank and just was paying all of my bills. I have records of making payments to XXXX card and the amounts that is on this bill which is like {$3000.00} I think I paid them a little bit more than that might have been a little bit less but around the same amount that's due and I kept wondering why the it was never going down so I contacted them a couple years ago and I was trying to buy a house so it was probably in XXXX. And they said that I had to send in proof that I had made payments so I went to my bank I had gotten all the information from the bank all the payments that went out to XXXX card sent that to them and they told me that those payments went towards another account that it was not my accounts and they could not discuss that information with me. I said well this is the account number that you gave me on a bill before my husband messed with the mail and then all of my mail got redirected and then I never got another correspondence from you I said this is the account I've been paying on so I paid somebody's {$3000.00} bill you didn't notify me you didn't like anything like that so I've paid them the money I've asked them I beg them to take it off of my credit report it is holding me back from being able to purchase a house because they say my debt to income ratio is too high I want it deleted I have proven to them that I made payments through XXXX XXXX XXXXXXXX to XXXX  in the amount of the {$3000.00} that is owed to XXXXr I paid them they applied it to somebody else 's credit card and will not discuss that information with me it is a charge off anyhow and it's been on my account for many years I would like it removed I have contacted the governor 's office of New Jersey and he gave me this information and asked me to Lodge a formal complaint through your agency
Consumer complaint received 2024-09-05
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)

Under the FCRA I have the right to a accurate a correct credit report I have no knowledge of any of the opened accounts listed below nor did I authorize anyone to open any of the accounts in my name mail and info of mine has been stolen and used by others for monetary gain I have notified and filed police report and FTC IDENTITY THEFT REPORT also obtained a Lawyer PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$6700.00}
Consumer complaint received 2024-09-05
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)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-05
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-05
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-09-05
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 Experian was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


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

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


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


Delete the late payments from my consumer reports
Consumer complaint received 2024-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (GA)

At the beginning of the year, my loans were being service by MOHELA. I was told repeatedly I had to recertify by mid XXXX or my payments would increase. I submitted an application to change to the XXXX plan on XX/XX/XXXX. On XX/XX/XXXX, It was announced that income recertification for XXXX would be pushed back until XX/XX/XXXX. I called Mohela on XX/XX/XXXX at XXXX to cancel my application to switch my plan. I was told the application would not be processed. On XX/XX/XXXX, I received notification that my application was processed and accepted despite being previously told it was cancelled. My payment went from {$99.00} up to {$2100.00}. I sent a notification to Mohela on XX/XX/XXXX ( attached ) stating that this was done inappropriately and I would like to be reverted back. I never received any reply regarding this specifically only an auto generated response stating my account was deliquent by 2 days ( which it was not as I was on auto pay at the time- a screenshot of this is also attached ). I followed up by called MOHELA on XX/XX/XXXX at XXXX and spoke with XXXX XXXX She stated my account would be placed into forebearance and she had filed an internal IDQ to have my plan reverted back. I called to check in this on XX/XX/XXXX and XX/XX/XXXX and both times I was told it was still in process. I had administrative forebearance extended until XX/XX/XXXX. I received notification that my loans would the transition to Ed Financial beginning in XXXX. I attempted to reach MOHELA regarding this issue again prior to transfer without success. Once my account was fully transferred I spoke to a representative at Ed Financial on XX/XX/XXXX regarding this matter. She stated that she would have to escalate this and a supervisor would be calling me within XXXX hours. I never received a call back. I called again on XX/XX/XXXX at XXXX and their dedicated loan XXXX team would be looking further into this and I would have information within XXXX business days and they would call me directly. This never occurred. My most recent conversation occurred on XXXX. I let them know I never received information or a call back from either encounter. I was told MOHELA still has not sent them detailed information from my transferred account so they are still unable to assist. They also stated they are unable to place me on administrative forebearance at this time. MOHELA has not supplied them with the information to rectify this situation and Ed Financial is unwilling to place an administrative forebearance on my account while this is investigated resulting in my current balance ballooning every month. I have made my previous payment amounts from my original payment plan out of good faith. I am unsure where else to turn to rectify this.
Consumer complaint received 2024-09-05
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HORIZON BANK (SC)

I opened a personal checking account on XX/XX/XXXX. The bank was offering a {$450.00} promotion when you deposit XXXX XXXXXXXX and have a XXXX XXXX balance for 3 statement cycles. In addition, they required 10 account transactions per cycle for 3 cycles. I opened the account on XX/XX/XXXX at the branch with {$5000.00}. I did 10 transactions on XX/XX/XXXX, 10 transactions on XX/XX/XXXX, 10 transactions on XX/XX/XXXX and 10 transactions on XX/XX/XXXX. I should have received the bonus in my account on XX/XX/XXXX, which was 10 days afterthe requirements were met. Today is XX/XX/XXXX and I still haven't received the {$450.00} bonus. I have called the bank and customer solutions about 6 times to no avail.