davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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. (PA)

In accordance with the Fair Credit Reporting Act Experian Credit Reporting agency has violated my consumer rights. After reviewing my credit report I noticed several inaccuracies, duplicate accounts, accounting errors, inquiries I did not authorize. 

The complaints were mailed on XX/XX/XXXX. XXXX by certified mail and the credit reporting agency failed to complete an investigation within 30 days. FCRA Section 623 ( a ) states that a furnisher of consumer credit reporting must correct or delete any inaccurate information within 30 days of a dispute. Experian failed to provide any response or even an acknowledgement of my dispute letters. The following accounts are in dispute : XXXX XXXX XXXX Account # XXXX - XXXX XXXX  XXXX Account # XXXX Widget Financial Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX The Fair Credit Reporting Act also stats that consumers are not to have duplicate reporting of any account on their credit report. The following accounts are duplicates : XXXX XXXX XXXX Account # XXXX - LISTED 2 TIMES XXXX XXXX Account # XXXX - LISTED 5 TIMES The following companies are reporting inquiries on my report that I do not recognize. CFPB XXXX XXXX XXXX XXXX Equal Credit Opportunity Act - states protects any consumer applicant from discrimination of credit transactions. 

XXXX XXXX XXXX XX/XX/XXXX, 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 XXXXXXXX XXXX XXXX - DUPLICATE LISTING 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

I have highlighted only a few of violations committed by this agency against me. I demand all the above information be removed from my credit file immediately. Experian has had more than enough time to investigate, validate for accuracy and provide me this documentation and they have failed to do so.
Consumer complaint received 2022-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

There is an unrecognizable XXXX XXXX XXXX  collection on my credit report dates XXXX XXXX with a balance of {$340.00} which is due to fraudulent activity. I am disputing this item and requesting it be removed immediately as it is not verifiable.
Consumer complaint received 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (WV)

I received this year 's escrow analysis and found that there was a error regarding my homeowners insurance policy ( ies ). During closing last year in XXXX, XXXX I had paid XXXX for 12 months coverage to XXXX XXXX XXXX. Property taxes were also paid and the amount of escrow taken that following year should have covered the majority of escrow needed for this year. 

The analysis completed on XX/XX/XXXX shown that I was XXXX in debt for escrow. When I reviewed the analysis I found they had two policies taken out for homeowners insurance. The amounts are XXXX ( XXXX, XX/XX/XXXX ) XXXX ( XXXX, XXXX, XXXX ) and XXXX ( XXXX, XX/XX/XXXX ). I called Vanderbilt mortgage and finances, Inc to try to resolve this XX/XX/XXXX. 

They gave me policy numbers and phone numbers to the insurance companies and I called the next couple days getting everything lined out. Unfortunately, there is still a debt in which I owe and a monthly increase in escrow payment of XXXX. 

XXXX issued a refund on XX/XX/XXXX which I still have yet to receive and when I call I am told it is processing. Vanderbilt claimed that I had not paid any amount towards property/homeowners insurance with closing cost ( page 2b of 5  in closing disclosure shows on line F 01 an amount of XXXX ). 

They are not helping me to resolve an issue they have made and I feel that I shouldn't be obligated to pay for their mistake. I have already made one payment with the escrow increase and need help resolving this issue as quickly as possible. 

Sorry for the long message but I most certainly thank you for your time.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I lost my job and am currently experiencing financial hardship. I made a banking error on my end and made a payment out of an account that didnt have enough to cover the automatic payment on XX/XX/XXXX. I did not know my error, until the payment was returned. I knew I had funds coming into my account around the middle of XX/XX/XXXX, so I waited to repay the minimum payment to be sure it cleared. I had a late fee waived in XX/XX/XXXX, as I lost my job due to Covid 6 months prior and was again trying to replace income and was struggling. Its been a struggle in this economy and I havent quite recovered from the XXXX Covid era financially. I called Capital One this during every financial hardship over the last year and a half when I needed to. They typically dont seem to care to help. The first representative I talked to today on XX/XX/XXXX, said the system decided what fees will be refunded and she couldnt help me further. I asked to escalate the issue then I spoke with her supervisor, who flat out was not empathetic, he said he was, but he was saying the words with no action to back it up. He said I would have to take the hit for breaching the card agreement on a late payment that was returned. Nothing he could do and it couldnt be escalated further. Due to the rolling 12 month fee reversal protocol. His tone and everything in between was just following protocol, he didnt care and didnt care to go to bat to help. I was not rude or disrespectful, but upset! He said next time I need to be proactive instead of reactive and then maybe Capital One could work with me. Ok. I wouldnt be surprised if there are lawsuits coming about for fees and the unwillingness to help their customers especially during financial hardships! Almost every other financial institution are taking steps to protect customers from fees during these times which are unprecedented and a lot of consumers are struggling already! They are waiving or working on refunding fees, but not Capital One. I think its crazy they wouldnt refund a {$25.00} fee, knowing Im struggling financially and I havent had one refunded in 11 months, but just missed the cutoff for the rolling 12 months fee reversal system determinations they use and the supervisor was unwilling to escalate further and continued to be absolute on his unwillingness to help me the consumer who is struggling!! He also said he was the highest escalated person I could talk to and he would notate my account of my disagreement with his decision.
Consumer complaint received 2022-10-19
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. (FL)

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. 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 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 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 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 XXXX 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer under an open end consumer credit as late for any purpose.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed account and remove it if unable to prove that the account is mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged account. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I does not own. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$8100.00}
Consumer complaint received 2022-09-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$590.00} XXXXXXXX XXXX  XXXX Balance XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2022-09-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from XXXX, Transunion, and XXXX.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.
Consumer complaint received 2022-09-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I'm writing to ask for the removal of late dates on disputed items from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Please see the attachments.
Consumer complaint received 2024-03-11
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. (MA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 
I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$2.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-10-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NY)

In XX/XX/2022, my clients, homeowners in XXXX XXXX, NY, submitted a loan modification application to their mortgage servicer, Cardinal Financial Company. The loan number associated with the application is XXXX. 

It is now XX/XX/2022, and Cardinal Financial Company has not made a decision on the homeowner 's application. After providing third-party authorization, I contacted Cardinal Financial Company XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022. 

Every time I contact XXXX XXXX for an update, I am told the company has not made a decision on the homeowner 's application. XXXX claims they have a lot of applications to go through because they are behind. This is not an excuse for not having made a decision on a loss mitigation application in almost four months.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I disputed the inaccurate account and they keep verifying that it is accurate when all actuality it is not. This account should be closed and should have a zero balance. This account was transferred to another servicer. The attached reports were all ran on XXXX. I want this account removed immediately per FCRA 15 USC 1681e ( b ) : Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The credit bureaus and XXXX are both reporting inaccurate information and i want the account removed from all consumer reporting agencies and files.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed there are still items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each items are XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.