davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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. (MI)

I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC (VA)

On XX/XX/2023 both VMF and XXXX XXXX XXXX were notified that we would be cancelling our current insurance policy with XXXX XXXX and switching to our new policy with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/2023 VMF issued payment to XXXX for this new insurance policy from our escrow account and the VMF online portal had reflected this change to the new insurance policy. 

On XX/XX/2023 we received a new escrow analysis stating that our mortgage payment was going up, after we review this escrow statement we noticed that on XX/XX/2023 VMF made a payment to XXXX XXXX for the old policy they were both told to cancel, had now been switch back to our insurance policy in the VMF portal ( and XXXX XXXX XXXX which is owned by the same company acknowledged on XX/XX/2023 that the policy was cancelled ) VMF nor XXXX XXXX  did not recognize error or did their escrow analysis recognize their failure and the fact they paid for an insurance policy without our consent. 

VMFs escrow statement also includes many factual errors in addition to the gross negligence around the insurance policy, VMF has the taxes in the escrow analysis incorrect there are two installments of {$440.00} per year at the current tax assessment. However VMF also has a personal property tax listed of {$970.00} which is factually incorrect ; there is no personal property tax only real estate tax. 

In addition in XX/XX/2023 VMF withdrew {$220.00} with no description of where this monies went. We need an audit trail of where this money went. 

Over all the gross incompetence at VMF has been a headache since day one and continues to be a headache every day, no other mortgage company has these problems.
Consumer complaint received 2023-10-29
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Installment account needs to show up on my TransUnion report as well XXXX XXXX XXXX, I am asking for you to investigate and add my installment loan that shows on my XXXX credit report to also show on my TransUnion credit report as your site says it will. 

You clearly state Credit Builder Loan ( optional add-on ) reports to TransUnion and XXXX. We require 1 successful payment before reporting. 

The purpose of this installment account with you, that I paid on time, in full, was to increase my credit profile and score for XXXX and TransUnion it shows on XXXX it needs to show on TransUnion. 

Please see attached - complaint - drivers license - social security card - address Please have this report to TransUnion at once.
Consumer complaint received 2024-03-28
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name XXXX XXXX Account number XXXX
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

Collection letter with account number : XXXX with a balance of {$51000.00} from an old account. Which has a date of last payment XX/XX/2013 this account is already outlawed and with misleading practice tries to collect this account. When I call I give them the account number and they answer me with another number and another person name. Insisting that if I listen to them to try to get me to tell them yes. And edit the call using my voice to use as if I affirm the debt.
Consumer complaint received 2023-05-03
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: Sentry Credit, Inc. (TX)

SENTRY CREDIT INC # XXXX 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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

In accordance with the fair credit reporting act XXXX of all accounts below 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 XXXX  XXXX XX/XX/XXXX Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX XXXX XXXX  XXXX XXXX {$2000.00} Balance Updated XX/XX/XXXX Recent Payment {$2000.00} Monthly Payment NA Original Balance {$2000.00} XXXX XXXX XXXX XX/XX/XXXX Status Account charged off. {$340.00} written off. {$340.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$340.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Paid, Closed. Status Updated XX/XX/XXXX XXXX XXXX {$11000.00}. Account Name XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XXXX XXXX. Status Updated XX/XX/XXXX Balance {$670.00} Balance Updated XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Account charged off. {$17000.00} written off. {$19000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello, I hope someone could help me with the removal of these unfamiliar accounts that are being reported on my files. I have made some letters addressed to the credit bureaus and collections explaining my side. I would appreciate it if this will be resolved right away. 

Regards, XXXX
Consumer complaint received 2023-12-04
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: Experian Information Solutions Inc. (VA)

This is regarding Experian Report Number XXXX ( CFPB ID XXXX and XXXX ). I've been trying to find out why Experian keeps lowering my FICO score. The results of their investigation aren't available online, and when I called the number listed online, they didn't give me a satisfactory answer. 

I always make payments on time, I've had the same two credit cards for years, banked at Bank XXXX XXXX for thirty-six years, and had no hard inquiries. In spite of the aforementioned, Experian has lowered my FICO score from XXXX to XXXX in the last two months. 

I think Experian is lowering my score in retaliation for filing complaints against their company.
Consumer complaint received 2023-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TN)

I have paid extra on my auto loan to go toward the principal. There is not an option to do principal only payments online so you have to call in after the payment posts to the account. I have made over 7 calls and my payments are still not being applied correctly to the principal. I also requested that the interest for that time period be credited back as I should only pay interest on the correct principal amount. I believe they make it difficult so you don't pay extra to pay the loan off quicker.
Consumer complaint received 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (CO)

My property 's mortgage was transferred from XXXX XXXX to Freedom Mortgage in XXXX. The principal account balance transferred to Freedom Mortgage is incorrect. My final XXXX as of XX/XX/2023 was {$700000.00}. The balance that Freedom Mortgage has for my account is {$700000.00}. I believe a combination of issues is occurring that is affecting the incorrect balance that Freedom Mortgage has. The first is that there is an incorrect date transfer of payment funds in Freedom Mortgages account from XXXX. XXXX. Freedom mortgage has the wrong payment dates from XXXX resulting in incorrect interest being applied to the loan balance. The 2nd issue is that it looks like the additional loan payment I made to XXXX was not applied to the loan balance when it was sent over to Freedom Mortgage. I have been unable to resolve this issue via phone with both companies and both have received a letter as well in which I have not received a response. 

I suspect that XXXX is keeping my extra principal payment and not transferring it over to Freedom Mortgage. XXXX  documentation proves that they received the transferred and applied it to my mortgage balance, but then transferred a higher balance over to Freedom.
Consumer complaint received 2017-12-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I sent a letter to XXXX, XXXX, and Trans Union ; asking them to correct errors on my credit report. XXXX and XXXX  responded with the corrections, but Trans Union has not yet responded. They are supposed to respond within 30 days.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

For last 3 years i have been contacting XXXX XXXX XXXX XXXX XXXX to stop reporting on a closed account and the account is not my account to delete off my credit file i owe nothing to this bank they keep updating inaccurate information which continues to cause harm to my credit file.
Consumer complaint received 2023-12-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Lakeview is the master servicer for my loan, and subservices it out to LoanCare. They experienced a data breach/cyber security attack almost a month ago, and have provided misinformation and barely any details about what transpired. My contact info is below to identify my loan. I need the following : 1. Assurance that all borrower payments will be backdated to the effective date of the breach to avoid additional interest overcharges. 

XXXX. Loancare/Lakeview to validate my debt to the CFPB as required and timely 3. Confirm timely payment of property taxes from escrow account without any penalties/interest charged to me as a result of their breach All of these are financial harm against consumers. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had not been used my credit card and had a credit balance in late XXXX. I asked for a credit balance refund and check was issued on XX/XX/29 for {$120.00}. Check # XXXX. I never received the check and called many times and was told check would be reissued or balance would be adjusted to reflect the {$120.00} credit adjustment, but nothing has happened.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report. In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to
ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to Metro 2 compliance standards.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently reviewed my credit report and found that there were numerous pieces of inaccurate information which is very upsetting to me. These errors are affecting my ability to get a car which in turn is affecting my ability to get to work. I am on the brink of being fired and I need these errors corrected immediately. This is a flagrant violation of my rights and insist you remove these inaccuracies from my report at once.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28
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. (NY)

I

have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

formally dispute a fraudulent loan account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports.

I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

in accoradance with the fair credit reporting act, the accounts XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX reported paid but with a late payment was never late also acct # veros credi acct # XXXXXXXX XXXX  acct # XXXX has violated my rights under 15 US 1681 15 USC 1681 SECTION 602 A 15 USC 1681 SECTION 604 A 15 USC 1681 SECTION 2 15 USC 1681C ( A ) ( 5 ) 15USC1681S-2 ( A ) ( 1 )
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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.

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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 XXXX XXXX XXXX XXXX Reported XXXX XXXX Amount {$2500.00} Act # XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX Amount {$260.00} Acct # XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX Amount {$580.00} Acct # XXXX