davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (SC)

I am writing to bring to your attention a concerning issue I have encountered with Comenity Bank regarding the re-aging of my account, which I believe to be in violation of consumer protection laws. 

In XX/XX/XXXX, I obtained a copy of my credit report. According to that report, the Date of First Delinquency ( DOFD ) for my account with Comenity Bank was listed as XX/XX/XXXX. However, upon reviewing my most recent credit report from XX/XX/XXXX, I discovered that the DOFD had been inexplicably changed to XX/XX/XXXX. 

This sudden alteration of the DOFD by Comenity Bank raises serious concerns about the accuracy and integrity of my credit report, as well as potential violations of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Re-aging an account, which involves changing the reported date of delinquency to extend the time period for which negative information remains on a credit report, is widely recognized as an unfair and deceptive practice. 

I wish to emphasize that I have not engaged in any activity or made any agreement with Comenity Bank that would justify a change in the DOFD on my account. The XX/XX/XXXX credit report accurately reflected the original delinquency date of XX/XX/XXXX, and there have been no new incidents of delinquency or default since that time. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Comenity Bank if it is determined that they have indeed engaged in illegal re-aging practices. Additionally, I would appreciate your guidance on the steps I can take to rectify this issue and ensure that my credit report reflects accurate and lawful information.
Consumer complaint received 2024-03-07
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. (IN)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

I currently have a plan through Experian called XXXX premium for daily credit score report, monthly 3-Bureau credit reports and other various benefits for {$24.00} per month.

I was considering upgrading my plan in order to obtain monthly privacy scans and removals from the internet, so I reviewed their upgraded plans. Their website loaded a page which was a 3-column comparison ( attached ) of my CURRENT plan ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( also called XXXX for some reason? ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The " XXXX XXXX XXXX XXXX XXXX XXXX which includes the " monthly privacy scans and removals '' I was looking for, outlines as the very first and BOLDED bulletpoint that this upgraded plan includes " EVERYTHING IN CURRENT ( plan ) ''. However, if you scroll down, you'll see that this " upgraded '' plan only includes QUARTERLY 3-bureau reports, versus my CURRENT plan which includes MONTHLY 3-bureau reports.

How could it be possible that my current plan include MONTHLY 3-bureau reports and the " upgraded '' plan included only QUARTERLY reports, yet Experian is trying to charger me MORE money and, not only that, but they go so far as to mislead me ( and likely many many other consumers ) by falsely stating that the new/upgraded plan option includes " EVERYTHING IN CURRENT PLAN '' - when, in fact, it absolutely does not. This is a LIE and this is FRAUD .... from the largest credit bureau in the United States. Nice work Experian. 

NOTE : MY CONTACT PHONE NUMBER ON FILE IS WRONG/OUT-OF-DATE. MY PHONE NUMBER IS NOW XXXX. Please update your records accordingly. Thanks!
Consumer complaint received 2023-02-01
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. (MI)

I have a a XXXX XXXX XXXX XXXX  showing on my credit and the account is 100 % fraudulent. The address listed under the account is fraudulent. I contact XXXX XXXX  and they have no knowledge of the account. The account keeps getting verified when it isnt under any debt collectors. This account was due to Equifax data breach. I have file the police report, FTC report and XXXX  complaint. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (CO)

Hello- I have been diligently tracking my communications with two mortgage companies that have made the process of coming out of Covid forbearance an absolute nightmare. What was supposed to be helpful has hurt our credit, our financial ability to pursue business opportunities, obtain credit personal and/or business credit, and our families emotional well-being. 

Please see the entire documented process at the XXXX XXXX link provided - ( XXXX : XXXXXXXX XXXX ) My main concern at this point in the process is that BSI Financial provided us with incorrect information in their loan modification paperwork and we agreed to something that was not accurately depicted. We were asked to continue making payments until the modification was complete. We received the paperwork on XX/XX/XXXX, and we had it signed and returned on the same day, with the understanding that the agreement was for a total payment of XXXX, as was clearly stated in the agreement. We then began making payments of {$1100.00} for the next three months, which we had to call and make through customer service. Never did a customer service representative tell us that we were making a payment that was less than what was expected of us. Only when we started getting late payment notifications did I realize something was wrong. I called customer service ( call recording in XXXX ) and they told me XXXX would need to handle it. XXXX states customer care should have been helping me. 

In addition to the incorrect modification paperwork, there is some blatant and hurtful disconnect with the non-disclosure that is being provided to a consumer that is agreeing to a loan modification. My total loan payment before the modification was {$1400.00}. Now, my payment is {$1400.00} on a XXXX loan? So I added 10 years and probably XXXX in interest ( I have no idea since I never received an amortization schedule ) to save {$10.00} a month? 

I have my real estate and mortgage loan originator licenses, and I know for a fact that this stuff should not be happening. It's been terrible for my family, and it's terrible for the industry. 

I don't think BSI understands the implications of the negligence of their handling of these issues. It is blatantly clear that they have significant issues with providing terrible customer service and I believe have moral and ethical issues. These issues are affecting families and providing stress beyond what is being seen on paper ... Look at all of these people being affected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Source Receivables Management LLC (CT)

XX/XX/2023 Called Source Receivables Management with whom my sprint debt was sold to to obtain account number so as to make payments via the website. XXXX XXXX the agent who picked my call refused to give me the account number she just kept saying how are you paying today, I said to her well i'm not paying anything today but I would like to have my account number she kept talking over me about paying, then she offered me a discount and asked for payment and I kept telling her this is not what I called for today may I just please have the account number at this point she is still asking for payment, she was extremely rude, she does not listen and this is not the best way to go about getting payment. I was speechless.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

An account was opened by me and approved by Citibank on XX/XX/2021. When i tried to use the card it was refused. When i tried to activate the card i was told my identity could not be verified despite the password, e mail address, and phone number used to open the account. I was told I would receive a letter to open the account. I did receive a letter stating i should call to activate my account. I called. I was told that was not the right letter that i had to wait. I asked to close the account. They refused, a supervisor refused, I never received another letter and they refuse to close the account.
Consumer complaint received 2023-09-19
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC (MI)

They took money out my account when they was in court. I sent the information to the person in an email told me I would be paid back for the payment never received it. I have had to put stop payments in my bank for Lexington law firm but they come up with another name to take money out of my account
Consumer complaint received 2024-03-07
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. (NY)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 list of Inquiries. 


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 2023-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

The mortgage servicer on my home loan, Select Portfolio Servicing ( SPS ) informed me the company issued a refund check for {$130.00} in XX/XX/XXXX for a refund of escrow overpayment. Since then we have spoken with CSRs and supervisors on more than 10 separate occasions and written multiple times notifying the company that we never received the check and to request a replacement. 

Each time we speak with representatives, we receive conflicting, inaccurate, and outright misleading answers, including : 1 ) The check was cashed XXXX XXXX XXXX 2 ) In response to my request to provide a copy of the cleared check for my review of the signature, SPS said they could not send me a copy of the check 3 ) After submitting a written request as a QWR, SpS responds every 30 days stating they require 30 more days to research the matter 4 ) In a phone conversation on XX/XX/XXXX a rep told me the check was being prepared for mailing that week and verified the mailing address 5 ) Today, a supervisor told me the Advocacy Unit is still researching the matter and she could not give an expected completion date. I told her I will file a complaint with the CFPB today.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, 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. (CA)

XXXX XXXX is consistently pulling soft pulls on my credit profile without my consent. This is a violation of my consumer right to privacy. I was not asked, nor have I signed anything authorizing them to do such. Below is the evidence of all the data pulled from XXXX XXXX. For what purpose was my credit pulled? I would like to see the document in writing that I gave them authorization to continually pull my soft credit. 


XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2024-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Hi, Per my tax document it states I did NOT pay interest from XXXX. 

Per the Interest Rate response email on XXXX XXXX XXXX, when will I be reimbursed for the {$2100.00} paid in student loan interest during the Remediation Forbearance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Below are the dates and amounts totaling the {$2100.00}. 
- XX/XX/XXXX - {$52.00} - XX/XX/XXXX - {$69.00} - XX/XX/XXXX - {$120.00} - XX/XX/XXXX - {$270.00} - XX/XX/XXXX - {$270.00} - XX/XX/XXXX - {$120.00} - XX/XX/XXXX - {$420.00} - XX/XX/XXXX - {$520.00} - XX/XX/XXXX - {$140.00} - XX/XX/XXXX - {$150.00} Total Amount = {$2100.00} reimbursement. 

Thank you, XXXX XXXX, Account Holder
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$280.00} XX/XX/XXXX XXXX  XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX/XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX {$4400.00} XX/XX/XXXX XXXX  XXXX  XXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XX/XX/XXXX XXXX XXXX  XXXX {$860.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$51.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-07
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-10
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. (AL)

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, US DEPT ED : XXXX, US DEPT ED : XXXX, US DEPT ED XXXX XXXX, US DEPT ED : XXXX, US DEPT ED : XXXX XXXX US DEPT ED : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, 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 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (SC)

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 2022-12-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XXXX XXXX I summitted disputes to all Credit bureaus, plus a complaint to XXXX about XXXX XXXX  falsely reporting late and derogtory remarks on my credit reports. I was on a loan modification from losing my job from Covid 19. 
XXXX contacted me back and fixed my report. XXXX and Experian still have not. I hired XXXX XXXX XXXX for help on XX/XX/XXXX. As of today XXXX XXXX still have not got a response from them. XXXX XXXX took over my loan on XXXX XXXX XXXX reports state XX/XX/XXXX, still not corrected. 
I have worked hard as a single parent to keep my bills paid on time. Please help me fix this issue.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On the following dates my credit was run without my permission and knowledge. I did not consent to or authorize nor benefit from any of the following inquires XX/XX/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 XXXXXXXX XXXX During these times especially between XX/XX/XXXX to now I have been out of my resident state working on XXXX contracts being a frontline worker. I hope this issue can be resolve immediately. I have taken further action to protect my identity and credit profile for the near future.
Consumer complaint received 2024-03-07
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. (IL)

I am writing to bring to your attention a matter of significant concern regarding my credit report. Upon a recent review, I discovered what appears to be a fraudulent account listed on my credit report, which I believe has been opened without my knowledge or authorization.