davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing a formal complaint against XXXX for their failure to adequately validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : XXXX XXXX XXXX XXXX : {$1600.00}
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MD)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has come to my attention, the BANK, has transfer an account to XXXX XXXX XXXX immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their account #, without me first verifying the information they have on file. How can I verify information that doesn't belong to me?
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Who : XXXX XXXX XXXX XXXXXXXX XXXX Capital One Account # XXXX Capital One QuickSilver Credit Card # XXXX What : Hold placed on credit card without notification. 

When : XXXX XXXX became aware of the hold on XXXX XX/XX/year> after calling Capital One. 

Where : Capital One Why : No full explanation for the hold was given. XXXX XXXX was only informed that his account was on hold due to a transaction being investigated. 

How : XXXX XXXX discovered the hold after contacting Capital One. No prior notification was sent. 

Summary : On XXXX XX/XX/year>, I called Capital One to inquire why my available credit had not increased beyond {$20.00} despite making multiple payments to fully pay off the balance. The payments were as follows : XXXX XX/XX/year> : {$520.00} XXXX XX/XX/year> : {$100.00} XXXX XX/XX/year> : {$520.00} XXXX XX/XX/year> : {$120.00} XXXX XX/XX/year> : {$140.00} XXXX XX/XX/year> : {$180.00} XXXX XX/XX/year> : {$35.00} I noticed on XXXX XX/XX/year> that these payments had not resulted in an increase in my available credit. Despite this, I continued to pay off the remaining balance. 
At XXXXXXXX XXXX on XXXX XX/XX/year>, I called Capital One and requested to speak with a supervisor. The supervisor informed me that my full credit would not be available, and there was a hold on my card until XXXX XX/XX/year>, even though all required payments had been made well before their due dates. 
After researching my rights under the Consumer Financial Protection Bureau ( CFPB ), I called Capital One again at XXXXXXXX XXXX  on XXXX XX/XX/year>. I asked to speak with a supervisor and informed them that Capital One had violated CFPB regulations by not notifying me of the hold on my credit card or providing a reason. The supervisor claimed that at least five notices had been sent to me, but upon reviewing all notifications, including emails, texts, and mail, none mentioned the hold on my card. 
The hold on my card without prior notification led to missed payments and an inability to rent a vehicle needed to commute to work while my car was being repaired. I requested that Capital One send a written letter to all credit reporting agencies explaining that any issues were out of my control. I also requested restitution for the missed payments and the time missed from work due to the inability to rent a vehicle.
Consumer complaint received 2024-07-19
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. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC (OR)

When I applied for this loan I was told by my mortgage broker that once the loan hits 80 percent LTV that the PMI would automatically come off. I have been making 15 year loan payments and its a 30 year loan. There is a process to request to remove PMI. I called Flagstar to start this process. We are still about XXXX dollars short of the 80 percent mark. Two different people have explained to me that I can request the dollar amount that guarantees I will get the PMI for the loan removed. I requested that dollar amount. I know what the LTV ( at the time of purchase ) will be. I simply wanted to know that if I make that principle payment they will remove the PMI. I received a letter today stating that my LTV isnt at 80 percent with no principle payment amount to remove it. I was also informed in the letter that it now has to be 75 percent or less based on the current value. That is not what I have ever been informed. It also states that I have to pay for a property valuation at the cost of XXXX dollars. That has never been discussed. I simply want to know that once I make this principle payment ( I want a total ) that will get the loan to 80 percent that they will drop the insurance requirement. It does not matter what this house is worth currently I was told I only had to get my loan to 80 percent LTV. I want to know they will remove that once I make the payment they tell me. This is fraudulent behavior and a way to get insurance out of people that are not at risk of default. Our old servicer did not require this and when Flagstar took over they are required to follow the original servicers policy.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the presence of a fraudulent accounts on my Experian credit report. Even though I have submitted dispute letters and the necessary documentation to the Federal Trade Commission ( FTC ) according to your guidelines, these accounts are still remains on my Experian report. After uncovering these fraudulent accounts, I contacted the relevant company, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged these accounts from their records after verifying its fraudulent status. 

I am puzzled as to why Experian continues to report these fraudulent accounts, especially since the other credit bureaus have already removed it. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 

I hereby request a comprehensive investigation into these matter and the immediate removal of these fraudulent accounts from my Experian credit report. The company has confirmed the fraudulent nature of these accounts, and its persistence on my credit report is unjustified and detrimental to my creditworthiness. 

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.
Consumer complaint received 2024-08-12
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-19
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. (VA)

I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 
Here are the specific items in contention : Account names & Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX There should be no balance, past due or monthly payment on an account no longer owned by original company, this account was transfer/sold ; DELETE IMMEDIATELY ''. 


Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-07-29
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXXXXXX  Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-19
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. (WA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (IL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-19
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-19
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. (IL)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with DEPT OF ED/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 XXXX AND XXXX 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. 

DEPT OF EDXXXX 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 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (MS)

Our Mortgage company failed to pay our property taxes. We asked why our taxes weren't paid and were told it was due to our tax assessor 's office being " too small town ''. They stated that it was due to a check having to be manually mailed, so the mortgage company just didn't mail one. When we received final notice that our account was delinquent from the tax office, we contacted our mortgage company and they said it would be resolved. Today XX/XX/year>, I received word from a friend at the Tax office that our property and home would be listed for tax sale next Monday, due to non-payment. When contacting the mortgage company, they stated a check was mailed on XXXX. That check was never received, and was not issued for the correct amount, even though the statement from the tax office was uploaded to the mortgage company. According to the tax office, the check would have been returned anyway for not being the correct amount. Our mortgage escrow account has {$6400.00} in the account and today, XX/XX/year>, I had to pay out of pocket {$1700.00} to avoid tax sale. Since our loan is a VA loan, I can not handle the taxes on our own. Unfortunately, the same thing happened last year. This has been a very emotional and stressful time and my husband and I have missed a lot of time from work handling this over the past few months.
Consumer complaint received 2024-07-19
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. (LA)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MS)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX NAVY FEDERAL CR UNION 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 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

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.