davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-02-17
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation (FL)

I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USD 1681-s.

The collections account in question, associated with ONEMAIN, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report.

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws.

The collection agency, ONEMAIN, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA.

Moreover, ONEMAIN has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law.

I am disputing any ownership of debts to ONEMAIN. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt.

The purchase agreement between myself and the original creditor.

I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report.

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report.

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ARS National Services, Inc. (MI)

I SENT A LETTER TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED MENTAL ANGUISH AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT. REFERENCE FAIR CREDIT REPORTING ACT 15 USC 1861 PAGE 10.
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (NC)

We have been paying our mortgage and never been late on a payment. The company collects XXXX in escrow payment from us every month. We just got a notice from our insurance company ( XXXX XXXX ) saying that the mortgage servicer never paid them, and our policy will be canceled on XX/XX/XXXX unless they are paid.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Carmichael & Frost LLC (OK)

On Wednesday XX/XX/XXXX, I received a text message from XXXX stating : " XXXX, your bank has confirmed they received our request to freeze your accounts, which should take effect in XXXX business days. I also informed our enforcement team to arrive unannounced since you didn't schedule a time. Please notify anyone at your business or home addresses. Thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX sent this identical text to my mother and my son. I called my bank and they advised they had no idea what they were talking about and that this was most likely a scam. 

I called the number the text was sent to and was advised that this was regarding a business loan, that I admittedly defaulted on as the business was closed in XXXX of XXXX. I advised that I had not received any written communications from them and told them to sue me. He advised they have a UCC XXXX and they are coming to my home. I advised no one had better come to my home and he said they were bring law enforcement with them. I advised that I wanted to see a court order and he said they did not need XXXX as they filed a UCC XXXX. I have never received so much as a letter from this company and I did not take the loan out through this company and no matter who he is with I am certain that he can not threaten me or give information out to my family and friends about this and he definitely did do so when he contacted my mother and my son. 

This man has scared the XXXX out of me. I am raising a XXXX XXXX XXXX grandson and I am afraid of what they will pull next.
Consumer complaint received 2024-02-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

XX/XX/XXXX I received an alert from credit monitoring service that a new collection is reporting and my score dropped XXXX points. Upon investigation Jefferson Capital Systems LLC is reporting a debt of {$340.00}. I don't know this company nor do I owe this company. This is the same debt I reported to CFPB back in XX/XX/XXXX that collection agency agreed to have removed from the credit bureau. I am an elderly XXXX person who spent the most of my morning talking with Jefferson Capital about an alleged debt from over 7 years ago. They could not provide me a copy of the bill nor could they even verify if any notices sent out to me before reporting to credit bureau. Their response to me is to call them back? I requested XXXX phone number and they stated not to call XXXX because it is not their bill it is Jefferson 's now. I am so confused.
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (AL)

Date Account opened ; XXXX Amount Owed ; {$580.00}. I am not liable for this debt with XXXX XXXX. I do not have a contract with Jefferson Capital System.They did not provide me with the original contract as I requested.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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
Consumer complaint received 2023-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX 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 ( MONTHS REPORTING LATE ) 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.

EQUIFAX 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

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 XX/XX/year> 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.

( CREDITOR NAME ) 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 2024-06-05
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)

This is a complaint against Experian. I am a victim of identity theft and I have sent all the documentation that supports my claim, FTC Report, Police Report and this bureau blocked the account for only a few days and not forever. This account was opened without my consent and according to federal laws. Identity theft when disputed with an FTC Report or a police report this account must be deleted immediately, however XXXX does not do so under the Fair Credit Act.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (MO)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every station date and balance whether reported or not. 
account Item and Number ) also respectfully request to be provided proof of this alleged item, specifically proof that these aments were in fact late. By the provisions of the consumer protection laws. I demand that if enable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to my creditors who have requested a copy of my credit report in the last 6 months n also requesting the description of the procedure used to determine the accuracy mpleteness of the information. I have read that this must be provided within 15 day + Completion of your reinvestigation. I also read that under federal law, you have 30 days complete your investigation. 
is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must done within 30 days of receipt of this letter, or you must remove the incorrect information. Thank you for your prompt attention, time and help in this matter.
Consumer complaint received 2024-06-05
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. (NJ)

I went to XXXX XXXX to purchase a vehicle on XX/XX/year> I saw online the night before. If I liked the vehicle, my intent was to purchase. After test driving the vehicle, I discussed logistics with XXXX, my sales rep. I was adamant I did not want my credit run until clear understanding on payment, interest, etc. While my credit score at all XXXX bureaus ranged between XXXX - XXXX, I was not concerned with getting the best APR available or being financed. My financials and debt to income ratio were also of no concern. Once agreeing on the payment and term details, I completed the application. Again, I was adamant not to hit my credit bureaus multiple times. They did just that, 6x. I ended being approved, within {$2.00} of agreed payment and terms. I want these excessive inquiries removed from my credit report. It was not necesssary and now reflects negatively as excessive inquiries on my credit report. My credit score dropped XXXX points. 
My daughter is expecting and looking to purchase her first home, my intent was to help if and as needed ; however with this decrease in my credit, it has resulted in a burden and hindering ability. 
I also told the dealership I could reach out to my credit union myself for approval, to specifically avoid this. I am not happy on the excessive hit on my credit bureau in an attend on their tactics. 
I am requesting these excessive hard inquiries on my credit report be removed.
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Movement Mortgage LLC (SC)

I have been XXXX  since XX/XX/XXXX my loan was eventually put in forbearance which during this time I was still making payments towards it while looking for full time employment. I had made payments through XX/XX/XXXX. XX/XX/XXXX BEFORE the end of m y forbearance I contacted Movement Mortgage and was given a 1 month extension till the end of XX/XX/XXXX. Today XX/XX/XXXX I was contacted y Movement Mortgage and when I called back I was told that my account was in active forclosure. I asked how is that possible when I was given the extension until XXXX XXXX. I was told that even though I was f-given the extension it was taken back? I asked how can you give an extension and them just decide to take it back without even contacting me? I was not given an adequate answer but instead I was told to complete some forms on XXXX  which I want to know why do they need a transcript of my taxes from XXXX? How is that their business? I was given the extension when I called on XX/XX/XXXX and movement mortgage should be made to honor that extension. Furthermore I also feel that when they call the consumer should not have to give out personal information in order to be told what the call is about. MM called me I didn't call them and asking a consumer to give out their address is a violation of privacy. How do I know you are actually from MM? That information should only be given if the consumer calls the company not when the company calls the consumer
Consumer complaint received 2023-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

Select Portfolio Servicing is my Mortgage company and they have taken home insurance out on my home. They have added the insurance payment to my mortgage payments for each month. I recently file bankruptcy and will be paying the insurance payment back to my mortgage company for the insurance they have taken out on my home. I recently have had major roof damage from storms and hail which have caused my roof to leak in several areas in my home. So, I needed to take a claim out and did so and had a claim specialist come out and look at the damage. I received a claim check from the insurance company, and it has my name and my mortgage company name on the check. My mortgage company is refusing to send the check back to me so I can pay a contractor to fix my roof damage and the inside my house ceiling where it leaks. They want to send me a quarter of the money for me to pay my contractor. I can not pay my contractor a quarter of the money because my contractor will only do all the work at one time and will not only do partially of the roof work. So, I am stuck with a damage roof and my ceiling leaking and can not get it fix because my mortgage company is refusing to send me all the claim check back to me. I have recorded conversation with my mortgage company that by law I made sure they knew I was recorded our conversation on several different conversation with different agents telling me to send them the check and they would endorse it and send it back to me. And I have other recorded conversation with agents telling me different stories about what I need to do with the claim check. And I'm also trying to get my own home insurance on my home, so I don't have to pay my mortgage company to take insurance out on my home. But no insurance company will give me insurance with a damage roof until I replace my roof damage. And now my mortgage company is taking their own insurance out on me again and adding the payments to my mortgage payments every month causing my monthly payments to go up on me. I will be more than happy to send the recorded conversation to the CFPB if needed. Thank you.