davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (OH)

Navy Federal is reporting inaccurate information on my credit reports. On XXXX, they are reporting that I owe {$150.00}, with a high balance of {$210.00}. On XXXX they are reporting a high balance of {$570.00} with a balance due of {$150.00}. On XXXX they report a high balance of {$0.00} and past due of {$150.00}. All the dates of activity and payment dates are also different on each credit report. I've disputed the account as inaccurate several times and have gotten nowhere. Navy Federal has been automatically withdrawing money from my bank account, so none of the information being reported is accurate. I'd like the information accurately reported or removed from my credit report.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Federal Adjustment Bureau, Inc. (OH)

I requested to XXXX XXXX courts to have a eviction removed from my record and the judgement came back as granted for the record to be sealed and not given to landlords as information on background. However the company fabco provided information to a landlord in regards to the eviction and when I contacted them to request that it be removed they stated they could not do that, even after I provided them with the information and documents from the courts. I am asking that this information not be given to landlords or property management companies on my behalf due to not being able to rent a home because of this, my children and I are on the verge of being homeless in a week.
Consumer complaint received 2023-07-26
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. (MA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (PA)

This is an addition to a complaint that Ive already submitted ( XXXX ). Please help. I shouldnt owe this amount of money. XXXX is definitely not part of anything if they were paying them? I have a recent paper here that states I owe $ XXXX not $ XXXXmy pay off was $ XXXX in 2011 when starting the bankruptcy. I made every payment on time throughout then after for 7 years! This is definitely wrong and theyre all robing me! Also I received a paper that states that if I pay a regular mortgage payment that it will be in a suspense account until the full $ XXXX is paid. This is wrong!! Please help. Im adding what I could find. Thank you.
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

At this time Transunion in collusion with XXXX XXXX XXXX XXXX, continues to share my non public private information and as a financial institution and vice versa. Not only that but XXXX continue to ignore written request of account ledgers showing my credits debits, and principal accounts for the so called debt in question. this XXXX account has already been removed from XXXX and XXXX due to said violations. XXXX has still not provided any Accounting or internal records to proof their validity and contract to collect as debt overall. I have sent Transunion XXXX forms of identity as well a an Identity theft report to support my claim and with evidence upon the description of violation broke by both the XXXX and Transunion the reporting company. Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft '' Transunion SHALL a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. All measures have been taken by The authorized person for the Estate of XXXX XXXX XXXX. TRANSUNION HAS NOT IN FACT BLOCKED the account regarded on my identity theft report.I never gave expressed written consent, nor was disclosed this company will be sharing with third parties nor has put the notice of " we will be sharing you nonpublic personal information with proper notice or conscious notice to the Estate ( consumer ) Not only that but pursuant to 15 US Code 6802-6809 XXXX XXXX XXXX XXXX HAS NO LAWFUL RIHGT TO SHARE MY NON PUBLIC PERSONAL INFORMATION TO THRID PARTY AFFILIATES SUCH AS TRANSUNION.
Consumer complaint received 2022-10-20
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. (VA)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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.

Please delete these accounts from my credit report. 

XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is in violation of the following : 15 U.S. Code Section 1681b - permissible purposes 15 U.S. Code Section 1681c - information contained in consumer reports 12 CFR Section 1022.3 - Identity Theft
Consumer complaint received 2023-07-26
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. (IN)

I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.
Consumer complaint received 2022-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I lost my home in the XXXX XXXX on XX/XX/2021. I continue to pay my mortgage and am in good standing. My mortgage company is Specialized Loan Servicing LLC ( SLS ). 

My mortgage company is impeding my ability to rebuild by failing to complete required paperwork by XXXX. XXXX is requesting confirmation that this company is my lien holder before releasing XXXX funding. I submitted the paperwork to the mortgage company and was told it would be processed in 2-3 business days. This was weeks ago and every time I contact the company, I am told that they have sent the paperwork to " management '' and it will signed within XXXX business days. The paperwork is short - acknowledgement and signature that they have a lien on my property. It has now been a month and every time I call, the paperwork has not been signed. XXXX will cancel my rebuild funding without this paperwork. 

Additionally, this mortgage company erroneously charged me for homeowner 's insurance after the fire when I had no home. They then reversed this error but failed to do a new escrow analysis and I continue to get charged for insurance each month, which I must pay in order to stay in good standing. Every time I call to update this charge, I am told no one can fix it. 

Finally, this company has a policy that they will not respond to emails. They will not provide a contact person. They will not provide a direct contact number. Every time I call, the average wait time to talk to someone is 20 minutes. I am then sent to customer service and told they do not have the authority to help me. I am then told that it is my responsibility to follow up on these requests ; however, I can never get a person who has the authority to sign the paperwork or update my escrow analysis. 

Typical conversations take over an hour of my time. This happens weekly. I work full-time and despite dedicating my time to contacting the company, still don't have these issues addressed and resolved. I am told there is no supervisor to transfer to and I am not allowed to contact management. The company refuses to provide any additional numbers or contact options.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (AL)

I am writing to file a formal complaint against Experian regarding their lack of response to my previous letters. On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent letters to Experian, seeking resolution and clarification on important matters pertaining to my credit report. To my dismay, I have not received any response or acknowledgement from Experian regarding these correspondences. 

The letters I sent contained detailed explanations of discrepancies and errors present in my credit report, which have adversely affected my creditworthiness and financial opportunities. It is crucial that these matters be addressed promptly to ensure the accuracy and fairness of my credit profile. 

Despite multiple attempts to engage with Experian through written communication, the complete lack of response is both disheartening and frustrating. As a consumer, I rely on Experian 's expertise and commitment to providing accurate credit information and prompt resolution to disputes. The absence of any communication from Experian leaves me feeling disregarded and unsupported. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to ensure that Experian fulfills its obligations to consumers. It is essential that Experian acknowledges and responds to the concerns raised in my previous letters, providing a comprehensive plan of action to rectify the inaccuracies on my credit report. 

I urge the Consumer Financial Protection Bureau to prioritize this complaint, as it concerns the accuracy and fairness of credit reporting, which impacts countless consumers. I trust that your agency will thoroughly examine the matter and ensure that Experian is held accountable for its lack of response and failure to address my concerns. 

Thank you for your attention to this matter. I anticipate a timely response from the Consumer Financial Protection Bureau and a resolution to these pressing issues.
Consumer complaint received 2022-10-20
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)

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 2022-12-03
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: Experian Information Solutions 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 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 2022-12-03
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: 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. 

XXXX XXXX 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 2023-04-05
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

I had hard inquirys I did not authorize 1.XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/2022 3. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 4. XXXX XXXX ( Retailer ) XX/XX/2022 5. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 6. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 7. XXXX ( Construction ) XX/XX/2022 XXXX
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Hey good day for the past weeks I have trouble getting a loan due to 60 days late payment on my credit report ; I am requesting a goodwill if yall can kindly remove this from my credit report due to my consistent on time payment for the last 5 months or if its possible you delete this account from my credit report this is tradeline : XXXX XXXXXXXX XXXX an installment loan Account number : XXXX it is a credit builder account. Late payments were XX/XX/XXXX and XX/XX/XXXX. 

Thanks in advance
Consumer complaint received 2022-10-20
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: 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. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX credit card 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 2023-09-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

I was gifted a Vanilla Visa gift card for the amount of {$100.00} in XX/XX/2023. XX/XX/2023 is when I tried to activate the card and could not as it came up " invalid ''. I then called the phone # on the back of the card and waited for hours to speak to someone who said that the card was used for a purchase of {$99.00} in the state of Colorado  in XXXX of XXXX. This card was not opened until I went to activate it and was never able to activate it. I was never in the state of Colorado  as I live in New Jersey! I then opened a dispute with Incomm in XXXX of XXXX  and was never given updates or any information concerning the dispute as I did request updates. The dispute did not allow me to check online for updates either. It is quite obvious that the card was used fraudulently for one purchase of {$99.00} in an entirely different state. 
The Incomm resolution stated that the card was used in a store for a purchase so therefore they can not refund the card. 
Of course it was, how else would scammers use the card?!? Incomm refuses to be held accountable for this problem with these vanilla  gift cards which seem to happen quite frequently and Incomm does not want to make any correction to fix this problem or reissue a replacement legit gift card. See attached documents for proof of this. Their resolution stated : " Please refer to the cardholder agreement as it relates to disputes. You acknowledge that purchases made with the Gift Card are similar to those made with cash, and you do not have the right to stop payment or lodge a billing dispute on any purchase or payment transaction originated by use of the Gift Card. We can only return funds that we can recover from the merchant. Any issues should be directed to the merchant. '' which is no help to me and is denying the actual complaint and problem!
Consumer complaint received 2023-09-15
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC (IL)

I closed on XX/XX/23. This was about a month after my original payoff date. my payoff amount was approx XXXX the final pay payoff they requested was XXXX I have called and as them to explain but they have been unable to and still state that I did not over pay. also on my last statement it states that I have approximately XXXX in escrow but they only paid me out approximately XXXX. 

I'll attached my initial payoff request for XX/XX/23, the last statement they provided for XX/XX/23 and the closing disclosure.
Consumer complaint received 2024-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX has refused to correct the erroneous inaccurate reporting on my credit report. They are in Violation of the FCRA. I have attempted several times to have them correct the information on my report. attached is the evidence highlighted in XXXX of the plethora of errors on my consumer report that is not in metro 2 standards and must be removed from my credit report immediately. Please investigate their practices and procedures as it pertains to ignoring the FCRA guidelines and the willful noncompliance of conducting and reporting to ensure the accurate of reporting for consumer reports.