davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXXXXXX 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
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I paid off my XXXX Mortgage Account XXXX. XXXX in XX/XX/2018. XXXX is still reporting that I owe money on this account to EXPERIAN and XXXX. By incorrectly reporting this amount to EXPERIAN and XXXX, XXXX is driving down my credit score with EXPERIAN and XXXX. Could CPFB please get XXXX to correct this? Thank you for your assistance with this request.
Consumer complaint received 2023-09-14
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. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-27
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)

I recently reviewed my credit report and notice an account that was not reporting accurately. I had ( XXXX ) late payments on my account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates. ( XX/XX/year> ) I'm now requesting you to investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Consumer complaint received 2024-06-26
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 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 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 Never Sent the periodic statement along with the disclosures from section XXXX ( 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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

am not liable for this debt with XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the with the original contracts as I requested for {$5800.00} and {$900.00}.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Personal information was made public to 3rd party agencies as well as inaccurate information on my personal consumer report without my expressed written consent in writing. I also believe but can not verify that Transunion as well as other 3rd party agencies benefitted monetarily in sharing my restricted private information.
Consumer complaint received 2023-07-25
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C. (CA)

I received a debt collection notice from Gurstel Law Firm, on XX/XX/XXXX. I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and a copy of the certified mail receipt ) I received an envelope from Gurstel Law Firm on XX/XX/XXXX. The contents had nothing I requested. 

I received a debt collection notice from XXXXXXXX XXXX XXXX XXXXXXXX, on XX/XX/XXXX. I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and copy of the certified mail receipt ) As of XX/XX/XXXX, I have not received a response from XXXX XXXX XXXX, who is the sole owner of this alleged debt.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Duvera Billing Services, LLC (WA)

I am writing to file a complaint against Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act. Specifically, these entities have breached the following federal laws : 1. 15 USC 1681b ( 2 ) : Unauthorized access to my credit report.

2. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information.

3. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification.

4. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted.

Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OR)

Inaccurate Negative Remarks : The negative remarks associated with this debt are inaccurate. Dept of Education has failed to provide any documented proof to substantiate these negative details. Additionally, there has been no legal correspondence or opportunity for me to defend myself against these negative entries on my credit report. This lack of evidence and due process is a direct violation of my rights under the FCRA.

Incorrect Reporting of Daily Transactions : The daily transactions being reported are inaccurate and misleading. I do not have any contractual agreement with Dept of Education that authorizes the reporting of these transactions, nor any agreement that specifies the terms of such reporting. The reporting of late payments is particularly egregious, as I have no contract that stipulates these terms, making any late payment entries invalid. 
This debt was federally XXXX XXXX XXXX, as per the official discharge order issued by XXXX XXXX XXXX XXXX Despite the discharge, XXXX, XXXX and XXXX continues to report this debt, which is in clear violation of the FCRA. This not only misrepresents my financial status but also causes undue harm to my creditworthiness.
Consumer complaint received 2024-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (TX)

MY LENDER NATION STAR MORTGAGE RECEIVED {$100000.00} TO PAY OFF MY LOAN ON XX/XX/year>2023 IT CLEARED THE BANK ON XX/XX/scrub> 2023 I HAVE REQUESTED TEY APPLY THIS TO MY MORTGAGE FOR OVER A YEAR THEY HAVE MADE ME SUBMIT PAPERWORK TIME AND TIME AGAIN AND THEY STILL HAVE NOT APPLIED THIS PAYMENT TO MY MORTGAGE! I JUST RECEIVED A CERTIFIED LETTER THAT THEY ARE FORCLOSING ON MY HOME WHICH SHOULD OF BEEN PAID OFF OVER A YEAR AGO!
Consumer complaint received 2019-07-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have been trying to get the interest rate dropped since XXXX. 
hey are trying very hard to not support or allow me to refinance at a lower rate. 
Each time I put in my complaint, they send a letter stating that it has been resolved
Consumer complaint received 2024-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

Today is XX/XX/year> and I checked my credit reports to see if there were any changes for all three credit scores this morning. To my surprise, the collection from Transworld Systems XXXX still remains on all three of my credit reports ( XXXX, XXXX, and Transition ). My score for XXXX is currently XXXX, my score for XXXX is currently XXXX, and my score for XXXX is currently XXXX. After questioning why my XXXX score was much lower than my scores for XXXX and Transition, I discovered that the debt collection from Transworld Systems XXXX has not been removed. I filled out the Fraud Packet from Transworld Systems XXXX as the company requested and mailed it to them as Certified Mail with a tracking number on XX/XX/year>. On XX/XX/year>, it was picked up at USPS from their XXXX XXXX XXXX XXXX XXXX  in XXXX, DE XXXX with the tracking number # XXXX. In this mail, I included the requested Fraud Form completed ( provided as an attachment to the company 's response ) along with a copy of my NJ license and a copy of my Identity Theft Police Report. Every time I have called XXXX to get answers about this issue, every representative has stated I would need to call the phone number of XXXX XXXX, the manager in charge of my account. I have not heard back from XXXX XXXX after leaving voicemails with my contact information in hopes to hear back from her. I have been attempting to contact her since Monday, XX/XX/year> to no response. This has led me to request help from CFPB once again to help me get this matter resolved. I have been dealing with a lot of emotional distress with this whole situation of Identity Theft and discovering fraudulent debt collections appearing under my identity. On top of that, it is impossible to get in contact of the person handling my account at Transworld Systems Inc. since my calls have been going straight to voicemail. Please CFPB, help me resolve my issue.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
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. (WA)

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within XXXX days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within XXXX days and forward me the results. If this account can not be verified, DELETE from my consumer report. 

ACCOUNTS : XXXX XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency.

Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete.

Thank you for your rapid response in this very important matter,
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (GA)

On XX/XX/XXXX I sent a message to Freedom Mortgage requesting that the PMI on my mortgage be removed since I had just an appraisal completed in XX/XX/XXXX. The LTV of my property was well below the required 80 % then and they refused to remove the PMI, stating that the appraisal was not enough, and I needed to pay another {$150.00} for a " XXXX '' to prove the value of my property, just two months after the appraisal was complete. Fast forward to XXXX, same scenario, I had second {$400.00} Freedom acquired appraisal completed XX/XX/XXXX, in XXXX I requested the PMI to be removed ( WAY below 80 % ) again, they refused. One of their " customer service reps '' even went to the extent to tell me I was lying, and no such appraisal existed, and Freedom had no copy of appraisals on file, but the appraisals have Freedom 's information listed as the requester. In XX/XX/XXXX, I located the email addresses for some " higher ups ' in the company and sent them a friendly email to explain the past two years to them and funny thing, I got a call the next morning and finally XX/XX/XXXX no PMI on my mortgage statement/payments. However, that still does not resolve the past TWO YEARS of unnecessary PMI payments ( XXXX XXXX XXXX ) that I've been forced to pay when I shouldn't have had to pay those! I've continued to message Freedom Mortgage in reference to this to try to resolve this issue only to repeatedly receive a generic message " thank you for contacting blah, blah, blah further research is required '' XXXX. They know this is a violation of the HPA/PMI Act and they could care less. My question is, how many other customers are they doing the same thing to?
Consumer complaint received 2024-07-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (KS)

Gift card received for XXXX last year from Amex XXXX American Express ) and have yet been able to use it. Can not get any assistance on line or via phone. Tried all of the suggested avenues to fix to no avail. It has been declined by every retailer, even after registering it, and attempting to use it online. It's very frustrating.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IN)

It has been 7 years and this record has been on my XXXX and XXXX. XXXX deleted once I went to the court house and notified them the courthouse did not report this information.

This information has been requested to deleted from Lexis Nexis.
Consumer complaint received 2024-07-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CO)

To whom it may concern : I XXXX XXXX XXXX would like to respectfully request to submit a complaint on the companies listed below : Shellpoint - Current Company Name as of XXXX XX/XX/XXXX - Current Date XXXX XXXX XXXX  as of XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX - Original Lender on XXXX XX/XX/XXXX - XXXX XX/XX/XXXX I have enclosed documents for your review of this complaint that I am submitting on XXXX XX/XX/XXXX. I have attempted to contact XXXX, A Division of Newrez and was left on hold for XXXX minutes. To get a better understand of my complaint, please review all documents. No monthly payments amount has been applied towards the principle amount of {$60000.00} XXXX XXXX with the exception of {$100.00} that I applied online on XXXX XXXX XXXX. The name of the company has changed several time within the last year and I have some concerns of fraud. Due to the lack of communication from the company and a XXXX XXXX XXXX rating of an F, that is my reason for submitting this complain. Any assistance that you can provide would be greatly appreciated. 


Respectfully XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX  )
Consumer complaint received 2024-07-08
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (OH)

I have filed 2 previous complaints with CFPB regarding an alleged charged off account showing on my credit report from Nordstrom. I have requested the 1099c from this company, confirmation of any insurance claims made in reference to this account, and demanded to see ALL documents not just statements in regards to this account reporting. Nordstrom has not responded directly to my requests, only denying that they will remove the account and stating what they see in their records. This is my official demand for arbitration since Nordstrom credit card has continuously violated my rights under the FCRA. I wanted the account removed and now I will also be seeking monetary compensation for these violations as outlined in 15 USC 1681n ( b ), I only want communication via email for my records.