davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (VA)

My mortgage switched over from XXXX to ShellPoint. During the conversion, a payment was applied to the principle and not to the monthly payment as requested. I have called on the following dates- XX/XX/XXXX ( initial payment inquiry ), XX/XX/XXXX ( realizing payment wasnt applied correctly and made payment and was assured it would be corrected ), XX/XX/XXXX ( requesting new company to research, provided payment information to prove payment was cleared ), XX/XX/XXXX ( company finally researching to see payment was applied to the principle and would be routed in the correct direction, XX/XX/XXXX, XX/XX/XXXX. 

I am currently ( XX/XX/XXXX ) on the phone with them now to apply XXXX payment while the XXXX payment is being resolved.
Consumer complaint received 2024-07-10
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. (MD)

After checking all of my credit reports, I noticed that there are some accounts that should have never been put onto ANY of my credit files. I never gave consent for XXXX XXXX XXXX XXXX XXXX XXXX XXXX to post my personal AND educational school history financial documents. That is a major violation of the Privacy Act of 1974, as well as, a major violation of 42 USC 408 - Penalties. 

My school loans should have never been posted to any credit file because I never gave consent and it's a major violation of THE SELECTIVE SERVICE. I REGISTERED WITH THE SELECTIVE SERVICE on XX/XX/XXXX ; SELECTIVE SERVICE # XXXX. 

I have already contacted the SELECTIVE SERVICE and I was told that my school loans should have NEVER been attached to ANY credit file bearing my name and social security number. The SELECTIVE SERVICE representative made me aware that ANY school loan was DISCHARGED because of my registration with the SELECTIVE SERVICE on XX/XX/XXXX. 

Federal School Loans are backed by the Full Faith and Credit of the United States of America.
Consumer complaint received 2024-07-10
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. (TN)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-07-10
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)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-10
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. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I am writing to file a formal complaint against Experian and XXXX XXXX XXXX regarding inaccuracies on my credit report. 

Despite my dispute, Experian refused to remove inaccurate information related to a timeshare account with XXXX XXXX XXXX. They classified this personal installment loan as a real estate loan and falsely reported it as foreclosed. According to federal guidelines, this account should be classified as a personal installment loan, not real estate. The correct balance as of XX/XX/XXXX is {$10000.00}, and the first missed payment was in XX/XX/XXXX, not XX/XX/XXXX as reported. 

Experian 's refusal to correct these errors, including their failure to follow federal guidelines, has negatively impacted my creditworthiness. I request that the CFPB investigate these matters and ensure that Experian complies with federal regulations to correct my credit report.
Consumer complaint received 2024-07-10
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-10
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. (MI)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2023-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (PA)

After making several attempts, This company still has failed to produce any and all contracts that I have signed with them showing that I gave them permission to collect from me and that they have a right to report late payments and debt increases to my credit report weekly and monthly. If they purchased this debt, provide the chain of title proof that they purchased this debt. I have yet to receive anything with this information and yet they are still placing negative information on my credit report every week and sometimes every 2 days. Additionally, This company sent a bill from another medical facility with personal medical information on it which is in direct violation of XXXX. At this point This company is knowingly harming my character and reputation and should be held liable for what they are doing. I do not owe this company I have never signed anything with this company and I dont know who they are. They continue to report late payments to my credit profile harming my life and the lives of my family. This is criminal and in DIRECT violation of SEVERAL FDCPA laws. Receivable Management company can not produce any contract because they do not have one. I am AGAIN making this complaint and demanding that this information be deleted from my CREDIT profile IMMEDIATELY.
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (DC)

I have previously submitted two CFPB complaints against Dovenmuehle Mortgage , Inc., for failure to correct my tax lines and restore my escrow account. They refuse to provide my actual escrow analyses, and have sent over only projections without explanation as to why I am being charged what I am. XXXX XXXX XXXX XXXX XXXX XXXXXXXX is showing significant credits to my account, however Dovenmuehle continues to attempt to charge me for overpayments for what they say are taxes owed. 

For example, in their latest response to my last CFPB complaint, they said they corrected my tax lines, but in the escrow projection that they sent me for 2022, the tax lines were still showing incorrect amounts ( approx. {$1800.00} for taxes projected twice, when in reality, it's approx XXXX and XXXX for 2022 ).
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

From the time we applied for an received my son 's federal student loans, we only knew that XXXX XXXX was the servicer of these loans. 

XX/XX/XXXX received email from XXXX XXXX notifying us that the student loans would be transferring to XXXX. 

XX/XX/XXXX received welcome email from XXXX notifying us that the student loans had been transferred to XXXX. My son set up his account profile on XXXX in preparation to makes payments. 

Starting in XXXX, my son made payments in different large installments via direct bank transfer to his XXXX account ultimately completely paying off his student loans in a matter of a few months. 

XX/XX/XXXX received email from Edfinancial advising student loan payment was due on XX/XX/XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX received emails advising student loan payment was due even though we had already explained that we had no knowledge of having any loans outstanding with Edfinancial. My son provided proof of payment with XXXX and we have spent a considerable amount of time on the phone attempting to resolve this issue with Edfinancial. 

As of today, XX/XX/XXXX, we still have not heard from anyone at Edfinancial about this situation and it still shows that we owe Edfinancial the full amount of the loans that were paid to XXXX.
Consumer complaint received 2024-07-10
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: Conn's, Inc. (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX XXXX XXXX XXXX XXXX Laws Dear CONNS, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has unequivocally come to my attention that CONNS has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CONNS to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CONNS immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CONNS will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-07-10
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. (TX)

My account with XXXX was never late! I have had exceptional payment history with 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 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 that are reported 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. 
XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-07-10
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. (TX)

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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2024-07-10
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 filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-07-10
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. (IL)

My account with XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX. XXXX XXXX and XXXX 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 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 that are reported 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. 


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

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Experian has FAILED TO INVESTGATE AND CORRECT THE ITEMS MENTIONED IN MY COMPLAINT # XXXX DATE XX/XX/year>. 

THIS IS THE USUAL LACK OF RESPECT I GET FROM MY EXPERIAN QUERIES.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (IL)

I bank with American Express Serve. 

{$1000.00} dollars was stolen from my account via fraud over several weeks in XXXX in varying increments. I have never had any dealings with the company involved XXXX XXXX XXXX or ever heard of them. I followed their procedure as listed by American Express Serve, and reported the fraud, them submitted paperwork attesting that the charges were fraud. 

I was surprised that the fraudulent charges even went through, as I can not shop at XXXX with out American Express Serve denying the transaction and requesting authorization that it was authorized. 

My case has been denied twice with no explanation, and a note stating that I would have to write a letter requesting the reason for the denial.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I am writing to formally dispute inaccurate information on my credit report concerning an auto loan with account number XXXX. Despite my efforts to resolve this issue with the credit reporting agencies and the creditor, the incorrect information remains. 

Discrepancies Noted : Inconsistent Balance Information : XXXX reports a {$0.00} balance, while Experian and XXXX report a {$17000.00} balance. 
Inconsistent Date of Last Payment : No date provided by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. 
Inaccurate Reporting : The repossession entry does not accurately reflect my payment history. 

I attached proof of identity and document thats showing inaccurate.