davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (FL)

Gm financial has been reporting late payments on my credit. I didnt give them authorization to release my personal information This has impacted me tremendously and my ability to progress in life. I know that As per FCRA the late payments are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 US Code 168la ( ) ( a ) ).

According to the FCRA, late payments should not be reported as negative information. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms.

I feel as though In accordance with the Fair Credit Reporting act GM FINANCIA
L act XXXX XXXXXXXX has violated my Rights. 15 U.S.C 1681 section 602 A states i have the rights to privacy 15 u.s.c 1681 Section 604 A section 2 : it also states a consumer reporting agency can not not furnish an account without my written instructions. 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer plan as late for ANY REASON 15 U.S.C. 1681 section ( a ) Accuracy and fairness of credit reporting 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. U.S. Code 1666b - Timing of 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. These laws are governed to protect the rights of the consumer.Im sending this letter out demanding that you either remove all late payments from reporting with all CRA or remove the account from all CRA from reporting inaccurate information. As per the FCRA, I expect a response within 30 days, acknowledging the receipt of and informing me of the actions taken to address this issue. Additionally, I request an accurate copy of my credit report once the corrections have been made.
Consumer complaint received 2024-03-12
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. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-09-13
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 tried to contact company and no response and I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (FL)

I am submitting this complaint against Mercedes Benz, regarding the incorrect information on my credit report on the outstanding balance and reporting payments for lease. In XX/XX/XXXX, I began my four year auto lease with Mercedes Benz. In XX/XX/XXXX during the COVID-19 pandemic, my vehicle was stolen and it took XXXX months to recover the vehicle. Due to COVID-19, Mercedes-Benz financial services agreed to defer my payments for two months. Lease ended in XX/XX/XXXX and vehicle was inspected at home and turned in with a XXXX balance. Months later Mercedes-Benz Financial reported a {$6100.00} debt to all credit bureaus. Mercede-Benz is still claiming that I have this vehicle and requesting payments for the lease to the credit brueas. I have been trying to remove this debt with all three credit brueas for almost a year due to incorrect information that Mercedes-Benz Financial Services is claiming. I submitted documentation when submitting the disputes, which is an official balance letter with XXXX balance that was sent to me via mail by Mercedes and copies of report. The information has not been removed and I am unable to obtain credit due to this information in my credit.
Consumer complaint received 2024-03-12
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. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Dear Equifax Customer Service, I hope this email finds you well. I am writing to bring to your attention a significant issue regarding inaccurate information listed on my Equifax credit report. Despite multiple attempts to rectify this situation, I have encountered hurdles that prevent me from obtaining a resolution. I kindly request your prompt attention to address this matter as it is adversely affecting my ability to access credit. 

During a recent conversation with a representative from Equifax, I highlighted the inaccurate information on my credit report. The representative acknowledged that the reported information is indeed incorrect and illogical. However, they mentioned that Equifax is obligated to record the information as provided by the original creditors. Upon contacting these original creditors myself, they confirmed that they did not provide Equifax with the inaccurate information. Despite this clarification, Equifax has refused to update or correct the information in question. 

The specific item that requires immediate correction is the " Date of major delinquency reported. '' If my account first went delinquent in XXXX, it is only logical and fair that the date of major delinquency reflects this year and not XXXX. Equifax 's failure to rectify this error is not only frustrating, but it also hinders my ability to obtain credit due to the inaccurate and misleading information on my credit report. Furthermore, I have noticed that when I review my credit report, it states that my last late payment was just a month ago, which is completely incorrect. In fact, I have not had a late payment in over a year. Therefore, both my XXXX and XXXX accounts require updating and accurate reporting. 

I understand that mistakes can occur, and I am willing to work together to resolve this issue promptly. As a responsible consumer, it is essential for me to have accurate credit information that reflects my true creditworthiness. I kindly request that Equifax investigates this matter thoroughly and updates my credit report accordingly to reflect the correct and accurate information. 

I appreciate your attention to this urgent matter and kindly ask that you provide me with a timeline for resolving this issue. If necessary, I am willing to provide any additional documentation or evidence to support the correction process. I am confident that with your expertise and commitment to accurate credit reporting, we can rectify this matter swiftly and ensure the integrity of my credit profile. 

Thank you in advance for your immediate attention to and resolution of this matter. I look forward to receiving your response within a reasonable timeframe.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (CA)

On XX/XX/XXXX I received a credit alert that my Affirm account was reporting 60 days past due. I do not currently, nor have I ever had an account with Affirm. I reached out to them to alert them to the fraud and ask for their assistance with my investigation. 

The representative told me she could not provide the information on the existing account that she found, and that she could only relay it to the appropriate department. She also could not give me any information on what department that was or how I could get in contact with them. 

Further, she could not give me any documentation to relay to the credit bureaus regarding an open investigation.
Consumer complaint received 2023-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (GA)

I am not sure what about this {$30.00} billing charged to me as I have not taken any service in last 5 months and moved to GA. 

Also it is not clear what is the service date and what service it was taken. 

Also as per my last call to XXXX XXXX, I have cancelled all scheduled appointment and as per them there was no appointment pending,
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was a victim of Identity Theft in XX/XX/2023. I reported the fraudulent activity to the credit card company and bank involved ( XXXX XXXX  ). They closed the account and reported the activity as fraud. I would like the activity removed from my credit score from all credit reporting agencies.
Consumer complaint received 2023-09-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (GA)

I received a credit alert on XX/XX/2023, indicating a new collection account reported by AmSher Collection Services, even though I have not received any prior communication, verbal or written, regarding the alleged debt. This sudden reporting has led to a decline in my credit scores. Notably, I received written notification of the same alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/2023 ( enclosed ), while AmSher Collection Services added their collection account to my credit file between XX/XX/2023, and XX/XX/2023. AmSher Collection Services ' actions appear to be in violation of the FDCPA, resulting in damage to my credit rating and adversely affecting my relationship with existing creditors.
Consumer complaint received 2017-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NY)

XXXX  sold my mortgage to  Nationstar  in  XXXX   XXXX . All terms remained the same and I was paying {$1500.00} a month  (  {$320.00} escrow included  ). A ll taxes paid by  XXXX  before sale for the year  XXXX . In  XXXX   XXXX   Nationstar  paid my county-town tax for {$1200.00}. My school tax is not due till  XXXX   XXXX  for {$3900.00}. MY CLAIM IS  Nationstar  says I have. {$2900.00} escrow shortage. By the time  XXXX  comes I would have accumulated {$3200.00} and only be {$700.00} short. They immediately spread payments over 12 months and my new payment since  XXXX  is now {$1700.00}. This is a {$230.00} increase that is creating a burden for me, I am a  XXXX    XXXX   living off of  XXXX  compensation and the additional {$230.00} a month is a lot for me to sacrifice. I have made numerous calls faxes emails but not one can give me a straight answer, and they sent escrows analysis and the numbers are not consistent. I just want my payment to go back to normal ... .please help me. Thank You  XXXX   XXXX   XXXX
Consumer complaint received 2024-03-12
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. (OR)

XXXX XXXX XXXX : XX/XX/XXXX LAST XXXX of XXXX : XXXX Account Number XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX To whom this may concern, I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of consumer protection laws listed below : Failure to Provide Validation Information : XXXX XXXX XXXX has placed a collection on my consumer report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ).

Denial of Dispute Rights : I have not been given the chance to dispute the account in question, contravening 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Use of False, Misleading, and Deceptive Means : XXXX XXXX XXXX has engaged in false, misleading, and deceptive practices, violating consumer rights. 
Failure to Provide Required Disclosures : The agency has furnished the account to consumer reporting agencies without providing necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I urge you to protect consumer rights. Do a thorough investigation and appropriate action to ensure compliance with federal regulations. 

Sincerely, XXXX, XXXX
Consumer complaint received 2023-09-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (TX)

XX/XX/XXXX I submitted a payment for {$5300.00} to Specialized Loan Servicing through XXXX  XXXX XXXX online bill payment system with the intent of paying off my HELOC. All other payments that I have made to SLS have been via this method. 
XX/XX/XXXX I was advised that the payment was being refused and refunded because they require payoffs to be in certified funds and delivered differently than other payments. The payment was made directly from XXXX  XXXX XXXX to Specialized Loan Servicing via electronic transfer. 
XX/XX/XXXX I sent a message to SLS inquiring about how and when my money would be returned. 
XX/XX/XXXX I received a response that the refund process could take up to 15 days. I responded that the HOW question was not answered. I verified with XXXX  that the payment was delivered electronically. 
XX/XX/XXXX I received a response that funds would be refunded to the same form of payment as received. 
XX/XX/XXXX Called SLS to find out why my money was not back to XXXX since 15 days had passed. I was informed that the process could take up to XXXX business days. I asked to speak to a supervisor. She confirmed that the process could take up to XXXX business days and indicated that the money should be back to XXXX  by XX/XX/XXXX. 
XX/XX/XXXX Called SLS to find out why my money was not back to XXXX. I was told that the money had already been sent back to XXXX. 
XX/XX/XXXX Called SLS to find out why my money was not back to XXXX. I was told it could take up to XXXX business days. I was told it went out on XXXX so, I asked for a trace number and was told none was available. I asked to speak to a supervisor, held for an additional XXXX minutes and was disconnected. I contacted XXXX. The CSR informed me that she could see that the funds were returned from SLS on XXXX. She said she would initiate a case to try to expedite the return of funds to my account. Received a response from XXXX that they were researching the issue and would contact me with an update or resolution in XXXX business days. I contend that there was nothing left to research, they knew they had the money and knew it belonged to me. 
XX/XX/XXXX I received a message from XXXX  that funds would be credited to my account in XXXX business days. 
XX/XX/XXXX I was able to see the deposit was made to my account during overnight processing on XX/XX/XXXX. 

My issue is that I made a good faith effort to make a payment to SLS. SLS refused to accept my payment. They determined that they were going to refuse the payment by XX/XX/XXXX but did not accomplish the return of the funds until XXXX. Then XXXX takes until XX/XX/XXXX to restore my access to the funds. I think that it is not fair that these financial institutions are able to implement these arbitrary policies about the return of customers ' funds and withhold the customers ' access to deposits that legitimately belong to the customer.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

A fraudulent account ( credit card ) was opened under my name in XX/XX/2023 by XXXX XXXX, XXXX XXXX XXXX XXXX. I reported it as Fraud and the company closed the account, and found that it was fraudulent. They provided the attached documentation. I would like to have the activity removed from my credit score.
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

During the life of our mortgage loan with NationStar Mortgage, they have went out of their way to misapply payments or apply them in such a way that they get the greater benefit. Most recently, I sent in  XXXX  for a principle payment and they put my money into " reserve funds '' instead of applying it. They sent a letter asking for an extra  XXXX  before they would take it out of this reserve. Yet I had sent in my regular payment with the exact and full amount days later - and they never fixed the earlier payment. Then I called them to fix it and they said they would need to have the " back office '' work on it and for me to call them back in 3 days - which is ridiculous to expect me to call back on their error that still has yet to be corrected! And I just recently sent in on  XX/XX/XXXX  another payment of  XXXX  which they proceeded to split up into a monthly payment and less principle - even though I had already paid the monthly payment days earlier. This is not the first time, and now I am sure I will have to struggle to get these corrections made while they benefit on the interest charges. I am seriously unhappy about their servicing practices. No wonder they want to change their name to "  XXXX   XXXX  ''. I will be so glad to pay off my mortgage to not have to deal with their tricks.
Consumer complaint received 2024-03-12
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-09-13
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. (MI)

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 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 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.