davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
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. (NY)

the company didn't provide me with information and didn't fix the problem since XX/XX/year> I still have this problem on my credit report that's giving me a hardship still. I filed multiple dispute and still have the same problem 15 USC 1681i- procedure in case of dispute accuracy
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On or about XX/XX/2022, Capital One NA took down its Rewards Mileage Transfers. No notice was provided or emailed to customers and upon needing to make a mileage rewards transfer I quickly learned through Social Media and Travel Blogs I would be unable to make the transfer and that Capital One was not sending out notices and only responding on Private Direct Messages that their system was undergoing maintenance. 

Capital One NA charges 'significant ' annual fees for the purposes of using its rewards credit cards and the lack of honest notification to consumers and removing a benefit for weeks without notice is unacceptable. 

Maintenance is a planned issue, if this was actually a planned service Consumers should have been sent notice of a significant period of down time so they could plan to use their rewards points before the system was taken down. Capital One NA has not been forthright in its response to consumers and has intentionally misled consumers by removing this benefit with no notice for an unspecified period of time under the guise of maintenance.

Upon contacting Capital One NA their only response is that the system is currently under maintenance and no known up time was provided.

Had Capital One NA been honest with its customers and stated that some unexpected issue had a occurred that caused the system to be taken down for emergency maintenance I believe many of us would be understanding, however, Capital One NA has continued to intentionally mislead consumers and causing concerns as well that Capital One NA may have suffered a breach of its systems as the reason for the mileage transfer and rewards system to be taken offline with no notice for an extended period of time.

Capital One NA intentionally has misled consumers by not providing notification of the emergency maintenance in hopes only a small percentage of customers were aware of the issue.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Agency claims my FTC theft report to be invalid. It is a federal document produce by identitytheft.gov and is very much valid according to federal law. However, I did revised it to be as co-operative as I can be.
Consumer complaint received 2023-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (FL)

I checked my name in the equifax data breach with the last 6 digit of my social security my information was included in the data ALL THE ACCOUNT WAS OPENED WITHOUT MY CONSENT AND APPROVAL I XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2022-08-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

i purchased my home in XXXX, received my supplemental tax notice from XXXX county in the mail on XX/XX/XXXX i paid them on XX/XX/XXXX with a cashiers check for the total amoubt for both supplemental taxes totaling {$2300.00}, mailed certified mail directly to XXXX county treasure-tax collector.then around XXXX around the XXXX i received a letter from XXXX XXXX XXXXXXXX, that i have not paid my supplemental taxes, i faxed over a letter informing them i paid them and if they had any questions to contact XXXX county tax collectors and included their phone number, they never contacted me again, my mortage payment was XXXX and some change, about 4 months ago it jumped up to {$1800.00}, i immediattely contacted them, they told me it was because of property taxes, it was not i spoke to numerous employees of XXXX XXXX XXXXXXXX which none had an answer other than they did not know, i continue to pay my payments but they have been late due to the amounts, i e mailed them around 20 times till finally i received an e mail saying was the sub-servicer of your loan on behalf XXXX XXXX XXXXXXXX and that they mailed me a letter on XX/XX/XXXX stating i didnt pay my supplemental taxes and they began to pay my supplemental taxes that is why my mortage payments went up, yet i paid them in full and sent fotos of cashier check and certified mail receipt and the supplemental tac forms from XXXX county, that i paid on XXXX XXXX, they do not return my emails anymore or my calls i am frustrated need help, the person they gave me the phone number to is XXXX XXXX XXXX extension XXXX she does not answer or return my calls they have caused me financial struggles in other areas, please help, thank you, sincerly XXXX XXXX
Consumer complaint received 2022-08-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

On XX/XX/XXXX I entered the Cares Act Covid-19 Hardship program with my Mortgage company Freedom Mortgage on XX/XX/XXXX they told me it was time to start the exit process and resume payments they also told me that the VA had approved me for a partial claim to secure the outstanding balance. I filled out the paperwork they sent me and then I got a call saying they incorrectly filed it with the wrong maturity date on the paperwork i filed and had notarized. I was in contact with them over the next several months seeing if they were going to resend the the paperwork and what date would I have to prepare to start making payments they said i was still under hardship protection and as soon as they heard back from the VA they would re-send the paperwork then about a month ago I started getting calls from people who wanted to buy my house. I contacted the Mortgage company and they told me that I shouldn't be getting those calls because I was still in the reviewing process and because it was there error on my paperwork I wasn't in danger of foreclosure and I should prepare to resume payments on XX/XX/XXXX. Then I received a letter to accelerate the the lien on my home. Now my house is set for sale on XX/XX/XXXX. I spoke with the VA and they have no record of them even filing a partial claim on for my home or any claims at all in their system. The mortgage company is engaging in dual tracking to foreclose on my home and the VA says they have no record of them uploading any documents or filing any claim in their system.
Consumer complaint received 2024-06-05
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)

The app wasnt working and i wasnt able to log in to make the payment. I wrote them multiple times and 60 days later i was able to log in and make a payment. i was on the phone multiple times and wrote multiple emails.
Consumer complaint received 2024-06-24
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)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-06-07
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Collection Account Metro 2 Compliance To Whom It May Concern, I am writing to formally dispute the collection account reported on my credit report, which does not comply with Metro 2 reporting standards. I am requesting that Experian conduct a thorough investigation into the accuracy and completeness of this collection account and promptly delete it from my credit report if it is found to be unverifiable or inaccurate. 

The account in question Is : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Amount : [ XXXX ] Date Opened : [ XX/XX/XXXX ] Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. Experian is obligated to follow Metro 2 reporting standards to ensure the accuracy and completeness of the information reported.

To support my dispute, I am providing the following documentation : A copy of my credit report highlighting the disputed collection account.

Proof of identity ( e.g., a copy of my drivers license and Utility bill. ) Any relevant correspondence related to this account.

Additionally, I would like to bring to your attention several court cases in which Experian has been found in violation of accurate reporting requirements : XXXX XXXX Experian Information Solutions , Inc. : The court found that Experian failed to conduct reasonable investigations into disputed information. 
XXXX v. Experian Information Solutions , Inc. : Experian was found to have violated the FCRA by reporting inaccurate information and failing to correct it after being notified. 
XXXX XXXX Experian Information Solutions , Inc. : This case demonstrated Experians non-compliance with FCRA standards in maintaining accurate and verifiable information on consumers credit reports.

Given the above-mentioned legal precedents, it is clear that Experian has an obligation to ensure that the information reported is accurate, complete, and verifiable. Failure to comply with these requirements can result in legal consequences, as demonstrated by the aforementioned cases.

I kindly request that you : Investigate this collection account under the FCRA guidelines. 
Delete the account from my credit report if it can not be verified or if it is found to be inaccurate or incomplete. 
Provide me with a written statement confirming the results of your investigation. 
Please be aware that I am maintaining a detailed record of my communications with you regarding this matter. Should you fail to comply with this request, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

Based on credit reports from all the agencies, I have a credit account from XXXX, which keeps appearing on my credit reports and has negative impact on my credit. But I have never opened a credit account with XXXX and had no idea about that account. I tried to dispute with XXXX, but nothing really changed ( except now that the status of the account is open ), I am not sure what else I need to do to correct this information.
Consumer complaint received 2024-06-11
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. (CA)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. 
The information I am disputing is as follows : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX.
Consumer complaint received 2019-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

Hi, I have an FHA loan with an origination date of XX/XX/11 and have been paying monthly PMI since then which is about 8 years now. Per online regulations at the time and some real estate help and HUD guidelines, was told that once your " loan to value '' ( LTV ) ratio reached 80 % of appraised value, PMI should be cancelled. 
My house value has gone up considerably and I have written to Carrintgon Mortgage Services couple of times asking to have the PMI removed, they come back saying ( to suit their convenience ) that they will not look at the current value but, the original appraised value. This is really unfair, since when I bought the house in 2011, this was the expectation. 
I have not missed any payments and feel that CMS can not use whatever suits or benefits it to not waive my PMI. This is per HUD guidelines, and it is important that rules also help FHA loan consumers while protecting mortgage companies. 
Thanks in advance for your help in removing my PMI by Carrintgon Mortgage Services and use current value of the house for LTV, with loan origination in 2011 and no missed payments. 
Kind Regards.
Consumer complaint received 2024-01-01
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. (MS)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding an auto loan account with Account XXXX XXXX, which was allegedly opened on XX/XX/2017, and currently shows a balance of {$8700.00}. I have discovered this account on my credit report and believe that I am a victim of identity theft. 

The circumstances surrounding this account are deeply troubling, especially in light of the XXXX database breach that occurred around the time this account was supposedly opened. Pursuant to the provisions outlined in 15 USC 6804 and 15 USC 6802 ( b ), I have formally disputed the existence of this account with XXXX XXXX XXXX, requesting a thorough investigation into its origin and legitimacy. 

I am pleased to inform you that XXXX has independently verified my claim and has agreed with my decision. They have taken immediate action to remove and block this account from reporting on my credit report. 

Furthermore, I have exercised my right to opt-out of any information sharing practices related to this account. I have also requested all pertinent documentation related to the account, including applications, signatures, contracts, a copy of the drivers license, and any other information on file. 

Despite my efforts to rectify this situation directly with XXXX XXXX XXXX, I have encountered resistance and am concerned about the potential impact on my credit and financial well-being. Therefore, I am seeking the assistance of Experian and XXXX in resolving this matter. 

I kindly request that each credit bureau investigate this dispute and take appropriate action to ensure XXXX XXXX XXXX complies with the relevant consumer protection laws. Moreover, I request your intervention to halt any collection activity associated with this disputed account and to address the potential violation of my rights under the Fair Credit Reporting Act. 

Enclosed, please find copies of the dispute letters I have sent to XXXX XXXX XXXX, along with any supporting documentation related to this case.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with SELF FINANCIAL/LEAD BA was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX 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 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  ever 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 2024-01-01
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. (TX)

Greetings, it has came to my attention that some inquiries were placed on my credit report without my consent and this violated my consumer rights according to the fair credit reporting.The following inquiries are not authorized by me nor do I have anything to do with them.please kindly remove 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  ( finance ) 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 2024-01-01
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. (MI)

The account with account/tradeline " XXXXXXXX XXXX " and partial account number XXXX reports as a C/O with an " On record until '' date of XX/XX/XXXX. 
The courts within my Federal Judicial District have published a case that demonstrates how C/O are established relative the Date of First Delinquency ( see attached ). To determine if an alleged payment history and accompanying charge-off were reporting accurately, the Court subtracted seven ( 7 ) years from the " Estimated month and year this item will be removed '' date. For the Experian credit reports this is the " On record until '' date. The " On record until '' date for the account herein is XX/XX/XXXX and applying the method demonstrated by the Court to the account herein, ie. subtracting seven ( 7 ) years, gives a Date of First Delinquency of XX/XX/XXXX. XX/XX/XXXX is a month that precedes the alleged charge-off by more than 180 days and does not report as a month with a delinquency. XX/XX/XXXX can not be the correct Date of First Delinquency for this account because the account does not reflect a 30-day late status for XX/XX/XXXX, implying the Date of First Delinquency is false or inaccurate. The payment history and alleged charge-off remarks are false or inaccurate for the account because there is no reliable Date of First delinquency. Thus the payment history between the computed Date of First Delinquency XX/XX/XXXX and present need to be removed.
Consumer complaint received 2024-06-07
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. (AL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-01-01
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)

Hope this finds you well. My names XXXX XXXX, when I look on my credit report I see inaccuracies from the reporting of this card. One bureau says it's late one month, another says a different month. I've never noticed this with any other cards. I look forward to hearing back. I'll be attaching my credit report with the account #
Consumer complaint received 2024-01-01
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. (FL)

My information was bought and sold illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

ACCOUNTS : DEPARTMENT OF EDUCATION # XXXX