davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Around  XX/XX/XXXX  I sent an dispute letters to  XXXX ,  XXXX , and Transunion disputing about the following inaccurate information : 1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   3.   XXXX    Around  XX/XX/XXXX , I called all credit bureaus for updated investigation status. I was told by  XXXX  that they had received the letters, but has not gotten to investigating  XXXX  yet, but was behind in the mail so they were still investigating  XXXX . Under the Fair Reporting Act, the investigation should be done in 30 days. That did not happen due to the Holidays. I sent another letter asking them to investigate. I thought this matter was resolved until I applied for an apartment on XX/XX/XXXX .I was told by the apartment complex that this same information disputed in   XXXX   was impeding me from getting approved to have a roof over my head. Will you please provide me a description of the procedure used to determine the accuracy and completeness of the information, including the business, name, address, phone number and documentation submitted to credit bureaus to validate the debt? I am requesting this information for all  XXXX  credit bureaus.
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In addition, I want you all to investigate the credit bureaus refusal to supply an updated credit report when items have been disputed, deleted and changed. Each time I call to ask for the disputed results in writing, I was told I had to subscribe to a paid monthly service to get credit reports. I had to ask for the manager to get an updated credit report for free. The credit bureaus are more concerned with selling you credit reports or scores than they are about doing their job, to report accurate information. How can they become more user friendly, accurate, and provide the service mandated by the government. Please help.
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Thanks   XXXX   XXXX
Consumer complaint received 2017-05-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

We execute d a Home Affordable Modification Agreement that  was booked on  XXXX   XXXX ,  2017 . At that time, our escrow amount was {$140000.00}. Escrow per our account statement dated  XXXX / XXXX /   2017  is {$1500.00}. T he Modification Agreement clea rly states that the estimated monthly escrow payment amount adjusts annually after yea r 1. It also clearly states that our total monthly payment of {$3200.00} adjusts annually after year 1. We have not completed year 1 and our monthly payment has incr eased to {$3300.00} which was due on  XXXX / XXXX /   2017. It has not been a year since we signed the Modification Agreement and our total monthly payment and our payment for escrow has increased. We would like to understand why our escrow payment and total monthly payment has increased four months after signing the Modification Agreement.
Consumer complaint received 2017-05-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Around XX/XX/XXXX I sent an dispute letters to XXXX, Equifax,  and XXXX disputing about the following inaccurate information : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX Around XX/XX/XXXX, I called all credit bureaus for updated investigation status. I was told by XXXX that they had received the letters, but has not gotten to investigating XX/XX/XXXX yet, but was behind in the mail so they were still investigating XX/XX/XXXX. Under the Fair Reporting Act, the investigation should be done in 30 days. That did not happen due to the Holidays. I sent another letter asking them to investigate. I thought this matter was resolved until I applied for an apartment on XX/XX/XXXX.I was told by the apartment complex that this same information disputed in XX/XX/XXXX was impeding me from getting approved to have a roof over my head. Will you please provide me a description of the procedure used to determine the accuracy and completeness of the information, including the business, name, address, phone number and documentation submitted to credit bureaus to validate the debt? I am requesting this information for all 3 credit bureaus. In addition, I want you all to investigate the credit bureaus refusal to supply an updated credit report when items have been disputed, deleted and changed. Each time I call to ask for the disputed results in writing, I was told I had to subscribe to a paid monthly service to get credit reports. I had to ask for the manager to get an updated credit report for free. The credit bureaus are more concerned with selling you credit reports or scores than they are about doing their job, to report accurate information. How can they become more user friendly, accurate, and provide the service mandated by the government. Please help. Thanks XXXX XXXX
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

My name is  XXXX   XXXX  from the great state if new jersey and I have been the victim of fraudulent credit reporting. inaccurate medical debt information has been shown as a credit liability in terms of suits and typical double-dipping of insurance which is an admonishable obimination of that greed. So much so it is illegal as clearly described in the free credit reporting act. Nothing is being done and this has SERIOUSLY compromised my ability to do business as a   XXXX   Please see that someone actually does something about this and not in the ridiculously short time the major agencies allow. I do not need   XXXX  . I need the parties responsible for this to remove the petty and destructive occlusions NOW and I furthermore feel I deserve compensatory damages.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is  XXXX   XXXX  from the great state if new jersey and I have been the victim of fraudulent credit reporting. inaccurate medical debt information has been shown as a credit liability in terms of suits and typical double-dipping of insurance which is an admonishable obimination of that greed. So much so it is illegal as clearly described in the free credit reporting act. Nothing is being done and this has SERIOUSLY compromised my ability to do business as a  XXXX . Please see that someone actually does something about this and not in the ridiculously short time the major agencies allow. I do not need   XXXX  . I need the parties responsible for this to remove the petty and destructive occlusions NOW and I furthermore feel I deserve compensatory damages.
Consumer complaint received 2024-10-26
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. (PA)

I am confused about why XXXX and EXPERIAN have accounts listed on my report that dont belong to me. I rarely use credit, so its concerning to see this. It feels like a violation, especially since I wasnt notified about these accounts. This situation is very upsetting, particularly as Im looking to buy a new house. I was informed about negative items on my report, and theyre hindering my ability to move forward. 

I urge you to investigate this matter and remove the fraudulent accounts from my report as soon as possible. Im eager to purchase a home soon, and this issue is creating significant obstacles. If necessary, I will seek monetary relief due to the tampering of my name. I already have legal counsel ready to file a petition in civil court if this issue isnt resolved promptly. Thank you for your attention to this urgent matter.
Consumer complaint received 2017-05-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bread Financial Holdings, Inc. (NY)

I made an agreement that I would pay {$75.00} on  XXXX , then {$120.00} on XX/XX/XXXX  and {$120.00} every month until the amount of  XXXX and change was paid. They way I found out about that they were trying to reach me was with a recording that the they left my sister cellphone. Giving my name and last four of my social. stating that i needed to be present at my house if not present or if I did not call that date he would appear at my place of employment at the hr office where one of my managers needed to be present. I called them and made a payment plan how ever the payment was to be deducted from my account, but forgotten about it, because I did n't get a courtesy call or even a letter. I got a call of the none suficiente fund and that they would take any property away. I called back but was on successful. I called again today because they had left me another voicemail. I wanted to talk to them because they had mention that the first payment did n't go through and I had proof. The second because I had forgotten and did no have the funds in my account it was unsuccessful. But what had bothered me about this last conversation was that I was driving and I told them that I would call them back in 20 minutes so I can make the payment. He said no that I only have 3 minutes because they close at   XXXX   and that if they did n't get a payment that there lawyers now can sue for more money. I said let me see if my mother can give me her card information because I ca n't stop on a bridge. I did a 3 way call he now said after my mom gave him the card number that he would also charge 34 for the return payment making it {$200.00}. I said to him no my mother does n't have that and also   XXXX   plus  XXXX  it 's  XXXX . He proceeded to take the  XXXX  with the understanding that I would call him back again tomorrow with my card to put on file as well to be charged  XXXX  but he said it need to be done early that if not that they would call my mother and she can make the arrangements with them since my hours of work are not convenient and I work in a bassement and have no reception. I asked him to give me his hours of operation and he proceeded to say why does n't my mother handle my account. First of all my mother was doing me a favor because I was driving and could n't get to my purse as second My mother does n't need to pay my bills. He said she 's more understanding and I said she 's a  XXXX  patient dealing with her treatment that she does not need them calling her. I had it with them. If they want to show up to my job which is new they could, and if the want to take the car that 's not completely mines they can try but I do n't need them harrasing any of my family members with these treats
Consumer complaint received 2023-07-03
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: BARCLAYS BANK DELAWARE (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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with 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 60 days to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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 XXXX
Consumer complaint received 2024-11-01
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. (LA)

I am writing to formally request the blocking and permanent deletion of the fraudulent account and inquiry listed below, which were created in my name without my authorization as a result of a data breach. I am a victim of identity theft, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their immediate removal from my credit report. 
The details of the fraudulent account are as follows : XXXX. XXXX, XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2000.00} Additionally, please remove the following unauthorized inquiry : XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (ME)

Dear CFPB, I am writing to formally raise a concern regarding inaccurate credit reporting by Ally Financial, which has been the subject of numerous disputes. Despite my repeated efforts to resolve this issue, the inaccurate information persists and continues to be verified incorrectly. 

Account Information : Account Name : Ally Financial Account Number : XXXX Disputed Information : Reporting of account status as repossession with an incorrect balance The account in question is consistently reported with a balance that is incorrect. This account was covered by gap insurance, which should have resulted in a XXXX balance upon settlement. Instead, the account is being reported as a repossession with an outstanding monthly balance, which is both inaccurate and misleading. 

This is also reporting with a monthly payment due of {$530.00}, which is also inaccurate considering the vehicle is charged off. 

I have previously disputed this account through the credit bureaus, but each time, it has been verified as accurate despite the evidence and documentation provided. The continual reporting of this inaccurate information is detrimental to my credit profile and financial well-being. 

I urgently request that the CFPB intervene in this matter. I demand the immediate removal of this account from my credit reports due to the persistent inaccuracies and the misleading nature of the information being reported. 
I would appreciate your prompt assistance in resolving this issue and ensuring that my credit report reflects accurate information. 

Thank you for your attention to this matter.
Consumer complaint received 2017-05-16
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: Experian Information Solutions Inc. (OH)

I have sent a validation letter to   XXXX   XXXX   XXXX   and   XXXX   XXXX   and neither company has responded within 30 days. The letter that I sent to both agencies goes as follows : To whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. (  15 USC 1692g Sec. 809 ( b ) ) I do hereby request  that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.     Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.     Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.     I did not receive anything from neither collection agency.   XXXX   keeps stating : " Account information disputed by consumer, meets FCRA requirements ''. This statement is untrue and these  XXXX  accounts need to removed immediately for they was never validated so clearly they are not verified.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ABC Loan of Martinez/ Georgia Finco Holding Corp (GA)

Purchased a vehicle from XXXX XXXX XXXX. I no longer have this vehicle due to the motor going out in the vehicle 5 months after purchasing. I never made a payment to ABC LOAN COMPANY all my payments were made to XXXX XXXX XXXX. According to my records, I believe that this loan has been incorrectly marked as open/active, and I would like to request a thorough review and correction if necessary.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with Equifax 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.

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 2024-08-14
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. (NY)

Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.