davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 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 2019-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX   and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-06-28
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. (TX)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with 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 on those accounts 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 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am writing to this letter to formally dispute several unauthorized information that appears on my credit report. I never gave them written consent to furnish my information or obtain my information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, companies must have a permissible purpose to access my credit information. I did not authorize these inquiries, and therefore, they constitute a violation of the FCRA.
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (AL)

Subject : Urgent Complaint Regarding Loan Modification and Foreclosure Process Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding a troubling situation with my mortgage loan that I believe requires your immediate attention. The issues stem from a series of miscommunications, errors, and mishandling of my loan modification process by XXXX XXXX and Shellpoint Mortgage Servicing XXXX. Here are the details of my case : Background : The property in question was originally financed through XXXX XXXX with a loan account held by XXXX [ Last Name ]. Following XXXX 's passing, the house was awarded to me, XXXX through his will. 
Initial Instructions : Upon contacting XXXX XXXX about a missed payment, I was instructed to complete the probate process to transfer the loan account into my name. I followed these instructions, and once the transfer was complete, I was advised to wait until the account became 90 days delinquent to be eligible for a loan modification. 
Loan Modification Process : After my account was 90 days delinquent, I was informed verbally by XXXX XXXX that they had received all necessary documentation and that my loan modification request was proceeding. However, I did not receive any formal paperwork confirming the loan modification. 
Account Transfer to Shellpoint : Subsequently, I received a letter indicating that my loan account had been sold to Shellpoint Mortgage Servicing XXXX. I was instructed to follow up with Shellpoint regarding any open assistance options. 
Issues with Shellpoint : Each time I contacted Shellpoint, I encountered inconsistent information. Initially, they claimed not to have received the necessary paperwork that XXXX XXXX had confirmed. Later, I was informed that my loan modification was approved and that I needed to complete a trial payment period consisting of XXXX payments ( XXXX, XXXX, and XXXX ) to finalize the modification. 
Despite making the required payments, Shellpoint abruptly canceled the loan modification process on XX/XX/XXXX without any notification, resulting in my home being placed in foreclosure. 
Current Status : Shellpoint has indicated that the foreclosure is on hold due to their error, but the foreclosure status remains active. 
This situation has caused significant distress and financial strain. The mishandling of my loan modification process and the abrupt foreclosure action are deeply concerning. I am seeking your assistance in resolving this matter promptly and ensuring that my loan modification is properly processed and my foreclosure status is addressed. 

I would greatly appreciate your intervention to help rectify this situation and provide guidance on the next steps I should take. Please find my contact information below for any further communication or clarification. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ]
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I signed up for a Citi credit card which promised XXXX XXXX XXXXXXXX XXXX if I spent {$3500.00} in 3 months. They card was approved but with a very low credit limit which made meeting the required amount in 3 months difficult ( not impossible, but difficult ). There was no reason for this low credit limit. I have a credit score of XXXX and not an excessive number of cards. They also keyed my social security number in wrong making it impossible for me to set up my on line access ( they acknowledged this on the phone today that they keyed it in wrong after the card had been approved with the right SS XXXX ). I spent a large amount of time trying to sort this out which resulted in my true inability to take advantage of the miles offer. I believe they baited me with the offer and intentionally gave me a ridiculously low credit limit and then made it more difficult to achieve the bonus. I just cancelled my card and will not do business with them again. This seems like a scam to get people signed up for the card, not really give access to the miles offer and it took a lot of my time.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (DE)

On XXXX XXXX, 2024 I reached out the settlement department at Navy Federal Credit Union asking to settle on the account ending in XXXX. I have XXXX on hand from a family member that I was able to pay to the account of and avoid further penalties and late payments. The bank could only offer me an agreement in the amount of XXXX. I wasnt able to agree to the amount so I had to cancel the proposed agreement. I have made the bank fully aware that Im in a financial hardship and that I am not able to make monthly payments. Its unfortunate that we couldnt come to an agreement and my account would remain in default status my credit will be affected. Navy Federal Credit Union in XXXX XXXX does not protect its customers.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my livelihood and credit health. 

Collections XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (GA)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, DPT EDXXXX : # XXXX, XXXX XXXX : # XXXX, DPT ED/XXXX  : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # 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, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  : XXXX XXXX, has violated my rights. 

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 2024-09-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CSO Financial (OR)

I was garnished without notification trying to collect on XXXX tickets that are past there statute of limitations that are all over XXXX to XXXX XXXX XXXX was never notified at all about this debt so far that have take over XXXX dollars
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (MO)

XXXX and XXXX were fraud accounts opened directly after a bankruptcy with my ID. they received my FTC ID theft reports and failed to remove and are damaging my credit. I have requested both Equifax and XXXX to provide PROOF of verification, not just computer checks and they failed to provide proof. Both of these accounts are damaging my credit and calling and speaking with them is useless. XXXX received my complaint and failed to file arbitration as requested and stated they are not required, however per the contract they sent, arbitration is indeed listed. XXXX refused to take my call and rejected all attempts of letters and proof of ID theft.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

I was notified by Discover of charges that needed verification. Found out that these charges not made by me. Discover did not take any action to secure my card and I monitored and Discover took no action. Then I notified Discover for fraudulent transaction. After I filed and they assisted got a call from them asking why I went into my account several times, which I thought was unusual since Discover was the ones to alert me. They said file a police report but I had only lost one card and according to laws discover was to follow up. 
XXXX weeks ago they called saying in very bad attitude that XXXX charge and someone can not buy without an account and as I am not aware of what policies and what other transactions XXXX  has and also I am fraud on some XXXX  website where I never made any transactions there were XXXX charges. I never made these charges and she asked if I filed police report and it is up to card to resolve.The lady who called me was rude said about these XXXX charges and abruptly rudely hung up never made these charges and therefore again can not file police report. Now without notice have added these charges to my account total {$4600.00} XXXX  XX/XX/XXXX XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} running balance is {$4600.00} Thu XX/XX/XXXX XXXX name is XXXX  XXXX XXXX XXXX XXXX XXXX Merchant category is Merchandise Amount is {$2200.00} running balance is {$4300.00} Wed XX/XX/XXXX XXXX name is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Merchant category is Merchandise Amount is {$59.00} running balance is {$2100.00} XXXX  XX/XX/XXXX XXXX name is XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Merchant category is Merchandise Amount is {$63.00} running balance is {$2000.00} XXXX  XX/XX/XXXX Merchant name is XXXXXXXX XXXX XXXX XXXX XXXX XXXX Merchant category is Merchandise Amount is {$1900.00} running balance is {$2000.00} XXXX  XX/XX/XXXX Merchant name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Merchant category is Merchandise Amount is {$15.00} running balance is {$32.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11.00} running balance is {$17.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} I need these charges reversed I never made them.
Consumer complaint received 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: TRIAD FINANCIAL SERVICES, INC. (TX)

Dear Sir/Madam, I am writing to formally lodge a complaint against my mortgage servicer, Triad Financial , regarding their refusal to allow me to sell my home prior to initiating foreclosure proceedings. My mortgage account number is XXXX. 

I have been a homeowner at XXXX XXXX XXXX XXXX for the past year. I have been dealing with the fact my wife XXXX  and I am now going through a XXXX. When I purchased my home, we were a XXXX  family but now it is a XXXX XXXX XXXX. I made the decision to sell my property as I can no longer afford it. I informed Triad Financial Mortgage company of my intent to sell and along with the help of my Real Estate Agent and requested their cooperation in the process. However, despite my efforts my mortgage company has initiated foreclosure proceedings without giving me a fair opportunity to complete the sale. Ive had a couple offers in the short time my house has been on the market and have submitted them to my mortgage company with no response. Despite giving written authorization to speak to my Real Estate agent concerning the offers and what needs to happen next my mortgage company refuses to speak to her without me being on the telephone. I am trying to work to support myself and can not always be on the phone. For this reason, I gave my authorization to speak to the Real Estate professional. 

Despite my efforts my mortgage company decided to serve me with foreclosure papers with a sale date of XX/XX/year>. XXXXriad Financial has initiated foreclosure proceedings without giving me a fair opportunity to complete the sale. I believe that Triad Financial is acting in bad faith by not allowing me to explore the option to sell my home before they initiate foreclosure proceedings. Their refusal has not only jeopardized my financial situation but also caused significant emotional distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure Triad Financial allows me the opportunity to sell my home before continuing with the foreclosure process. 

I appreciate your attention to this urgent matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-08-21
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. (AL)

Did not do an investigation at all. My social security number was breached all the negative items need to be removed immediately. How can an account keep reporting charged off for XXXX, XXXX, and etc? A account can only be charged off one time. This is clearly a violation.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (TX)

I have sent online disputes to all these companies and they continue to report inaccurate information. 

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 CAINE & WEINER XXXX XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OLIPHANT FINANCIAL, LLC (OH)

I checked my credit report and was notified that Oliphant USA , LLC, the original creditor for XXXX, had indicated on my credit report that I had an open collection. This account was paid off over a year ago. It says that this collection was added to my file between XX/XX/XXXX and XX/XX/XXXXXX/XX/XXXX This was on both my XXXX and XXXX accounts. I would like this to be removed from my credit report. The tactics this company is using are illegal. They are placing an account on my credit report, saying it was open when it wasn't. This has caused my credit to have a significant decrease in my score.
Consumer complaint received 2022-01-11
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: ENCORE CAPITAL GROUP INC. (CA)

Hi CFPB! Because you exist, there is hope for the future of ordinary people like me. I am hopeful that the inaccuracy on my credit report will be corrected as soon as possible as I am not able to gain meaningful employment, qualify for direct plus student loan for myself and especially, parent plus student loan for my kids. This complaint against Midland Credit Management ( MCM ) stems from XXXX XXXX  XXXX store card. MCM told me that they will remove the tradeline upon receiving the full settlement payment. They received the payment, but they did not do what they promised they would do. Never mind my future or career, I need to be able to co-sign for my children 's student loans. And to do that, I have been paying off my debts. Had I known that MCM was basically misrepresenting that they will remove the derogatory tradeline, I would have just waited a few years to pay so I can use the money I paid them to pay for my kids ' tuition fees. Before the Pandemic, I had an excellent payment record witXXXX XXXX XXXX XXXX XXXXnd I am not disputing against XXXX XXXX XXXX My complaint is solely against MCM. I feel like I've been tricked to pay a lump sum at a time of inflation and tough job market - money is tight.