davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-01
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX RE : Transunions failure to physically verify the originally signed consumer contract of the three below fraudulent accounts, has hurt my ability to obtain credit. 

To Whom It May Concern : TransUnion This letter is to inform Transunion that you are reporting inaccurate and incomplete credit information on my Transunion credit report. 

Listed below are the three fraudulent accounts that must be removed from my TransUnion credit report. These accounts were also, removed from my XXXX  and XXXX credit reports which I have attached. 

1. XXXX XXXX  Account # XXXX {$1800.00} XXXX XX/XX/XXXX 2. XXXX Account # XXXX - {$1900.00} - Open XX/XX/XXXX 3. XXXX Account # XXXX - {$16000.00} XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post to my Transunion credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts. 

Transunions failure to physically verify the originally signed consumer contract of the three above accounts, has hurt my ability to obtain credit. 

Under the FCRA, if Transunion is unable to provide me a copy of verifiable proof, you must remove the accounts listed above ; as they were opened fraudulently in my name. I XXXX XXXX demand that the above accounts be removed from my Transunion credit report immediately ; as they were removed from my XXXX  and XXXX  credit reports. 

Transunion, must reflect and maintain an accurate and complete credit profile identical to XXXX  and XXXX  credit reports. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2022-04-26
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. (TX)

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 15USC 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 informationAny adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I reached out to Capital One several times to discuss an issue with the credit reporting and for a potential removal of negative activity that resulted from a situation beyond my control for the credit card that ends in XXXX. 
About XXXX years ago, my debt burden became difficult and I entered into a debt consolidation program with XXXX XXXX, a not for profit company that consolidates bills. XXXX was recommended to me by the credit card companies. I was promised by XXXX that by entering into a debt consolidation program and making monthly payments that I would not be reported late. I agreed to monthly payments of {$1300.00} and that money was allocated to my creditors. 
However the unthinkable has happened earlier this year and it has destroyed me financially where I have been unable to obtain credit or the credit has been offered at interest rates that are financially punitive to me and my family. When XXXX contacted Capital One, they believed that a payment of {$44.00} made in XX/XX/2020 to my Capital One # XXXX would have paid it in full. I have provided support from XXXX where it shows how I made my monthly payment each month by in XX/XX/2020 {$0.00} was allocated to Capital One as they believed the balance was {$0.00}. Unbeknownst to me and XXXX, there was actually a balance of approximately {$20.00} on my account. Since XXXX stopped paying, Capital One apparently began reporting me late. I didn't identify this error until I pulled my credit in XX/XX/2020. As soon as I saw there was a balance at Capital One on card ending in XXXX, I immediately made the payment. 
I have tried repeatedly to discuss this matter with Capital One but I continue to receive a standard response that there is nothing that can be done. I just dont understand. I signed up for a debt consolidation to get my finances in order. I made payments over a 5 year period and now because of a miscommunication between XXXX XXXX and Capital One, my family and I are paying a steep price. I also paid {$60.00} a month to XXXX to process these payments and they did not honor their commitment for this Capital One card to ensure it was paid in full.
Consumer complaint received 2020-12-10
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. (MO)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2020-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (IN)

I have a debt collector show up on my credit report Convergent outsourcing. I have send 2 letters requesting they verify the debt because its for XXXX. Well I'm a current comcast customer and my bill is autopay and has been for years so I doubt the {$1000.00} is mine. I've disputed it on my credit reports and it just says updated never any proof that it is actually mine. I've never gotten a response to my letters with the verification that it is mine Either. I just want it removed from my credit report.
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (TX)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-26
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: EQUIFAX, INC. (TX)

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 15USC 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 informationAny adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: NAVY FEDERAL CREDIT UNION (TX)

I called Navy Federal Credit Union twice and sent them a written message as well on XX/XX/2020 regarding the Balance Transfer Interest Charges on my credit card account which I believe should be removed as the contract they had sent me with the card did not mention a 30-day requirement for balance transfers. The bank is claiming that the 30-day requirement was mentioned in the application, but whether that is true or not, it should not be relevant as they have mislead me by sending me a contract with the actual card that does not mention the 30-day requirement. I read the contract closely before using the card and if I had seen such a requirement, I would not have used the card for balance transfers. Attached please see the contract that came with the credit card.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

We sold our home and paid off our mortgage to Dovenmuehle on XX/XX/2020. We have about {$16000.00} in an escrow account with Dovenmuehle that we have been unable to collect. We have tried numerous times, at least a dozen, to call and request a check be sent, and have been told on a few occasions that one had been sent, or would be sent in the next few days, but we have never seen a check, and they have never provided any evidence that one has gone out. They keep us on hold for long periods of time, disconnect our calls, and give us different information about then status of our funds on different calls. In a few days it will have been 4 months since we paid off our loan.
Consumer complaint received 2022-04-26
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. (OH)

In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXXXXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # 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
Consumer complaint received 2021-06-04
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. (FL)

I have been disputing 1 account since XXXX XXXX, almost a full year and the bureaus have verified the information but have never proven to me HOW they're verifying it nor have they provided documentation! Then, they stopped responding all together! In fact, this account was paid in full in XXXX of XXXX yet they're reporting it delinquent in XXXX of XXXX! This is a paid collection and I have included the paid confirmation for your reference.
Consumer complaint received 2020-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (WA)

Purchase a home in XX/XX/XXXX threw FHA guarantee from Cardinal Finantial. We closed the loan with the first payment due 2 months app. later. This caused a deficiency in escrow as they did not account for the escrow not being paid those two months. Our payment was per contract {$1400.00}. The deficient amount $ XXXX. 
Upon discovering the deficiency Cardinal increased the payment to app. XXXX to {$1500.00}. Which was what was needed to bring the escrow current and we agreed with them gladly. 
Then in XX/XX/XXXX our county taxes increased 300 % from {$960.00} to {$2700.00}. 
They immediately raised our payment for XX/XX/XXXX to XXXX. I contacted them and informed them the county had approved a tax exemption ( deferment ) as I was XXXX  and qualified. They refused to contact XXXX county and confirm as Covid had delayed processing of paperwork on exemptions for months. 
We eventually received the paperwork and submitted it by fax to Cardinal on XX/XX/XXXX. And at that time asked for an adjustment and under the RESPA law that we be refunded the overage. During the XXXX, XXXX, XXXX, time we paid over the required amount. We paid {$1800.00} for XXXX payment XX/XX/XXXX, {$1800.00} for XXXX on XX/XX/XXXX, and {$1800.00} for XXXX on XX/XX/XXXX payments. 
We at all times asked the money paid over each month go to escrow no principal and instructed this monthly. This only made good sense as escrow was deficient at the time. The applied all money over the payment amount to principal balance. 
In early XXXX we contacted Cardinal requesting payment of the overage be returned and they claimed a check was sent which it has not. We also asked that the escrow be recalculated as the single spring tax payment was 2 times what was required and the were refunded by the county 50 % of the tax paid for the 1st half taxes. The sent out a generic letter with a box checked we have completed reviewing your escrow. No more no less not one fact or figure on it. 
To add further they have demanded we pay XXXX payment in the amount of XXXX full well knowing the money is not earned or needed in escrow. 
Originally our payment was {$1400.00} with taxes @ {$960.00} per year. Now with the tax deferal they are {$720.00}. They is {$230.00} less per year, insurance premium unchanged and PMI of course the same. My payment should by contract & law be slightly less than in XXXX when the loan was originated. 
The {$1700.00} XXXX is no less than extortion. 
The misapplying of over payment funds a violation of contract. 
The refusal to refund violation of contract and RESPA. 
During this Covid time they after waiting on the phone lengthy wait times hang up, I beleive by phone number in their computer system. 
These people are the reason you dont want a home or mortgage they are crooked to the core and get away with theft & fraud never acting under the contract FHA should ban them from doing their loans.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After Before Close XXXX XXXX XXXX XXXX Account Name XXXX Account Number Charge Card Account Type Individual Responsibility XX/XX/XXXX Date Opened Open. 
Status Updated XX/XX/XXXXXXXX XXXX XXXX Monthly Payment {$20000.00} Credit Limit {$780.00} Highest Balance NA Terms {$0.00} Balance Updated XX/XX/XXXX {$41.00} Recent Payment Amount
Consumer complaint received 2021-05-01
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. (MS)

Experian Credit Agency is reporting IN- Formation that's in correct on my file which I've disputing with XXXX  & Experian it has been removed from XXXX XXXX but still reporting on Experian.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

This is recurring followup complaint of my earlier complaint XXXX. Citi needs to investigate the actual disputed charges and not the legit charges. The response to earlier complaint does n't support investigation of disputed charges that are fraudulent. 

I have been talking the customer service giving them all the detail though there is no proper action to resolve this issue. This is the worst customer service support that I have ever experienced by any bank. Without looking at this issue Citi is sending me communication that does n't help. I am have been struggling on this issue for last 3 months with no proper resolution. 

Citi has not read my issue shared in my earlier compliant and responded appropriately.
Consumer complaint received 2023-08-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LOBEL FINANCIAL CORPORATION (NY)

I am doing this report because it was many fraudulent accounts in my credit report. 
I did not have knowledge about these accounts. This is inaccurate information that I would like be removed. 

I unaware of this account and the collections are reporting in my credit report. 

Thank you.
Consumer complaint received 2023-01-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  XXXX A Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After Before Close XXXX XXXX XXXX  XXXX Account Name XXXX Account Number Charge Card Account Type Individual Responsibility XX/XX/XXXX Date Opened Open. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$20000.00} Credit Limit {$780.00} Highest Balance NA Terms {$0.00} Balance Updated XX/XX/XXXX {$41.00} Recent Payment Amount
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (NC)

I applied for pre-approval of a mortgage in XX/XX/XXXXXXXX  with Royal United Mortgage. I provided all requested documents and discussed my employment and income during the pre-approval process, and I was pre-approved around XXXX XXXX, XXXX, though it's not clear as the point of contact at Royal United forgot to send the pre-approval and only provided upon my inquiry on XX/XX/XXXX. I went under contract on a home and had closing scheduled for XXXX XXXX, XXXX. Royal United was included in all relevant communication by my realtor and myself. On XX/XX/XXXX, one day before my closing, my realtor reached out to confirm the amount needed for down payment and closing costs. At this point, the point of contact at Royal United replied by email that the loan could not be written without my XXXX tax filing, which would be impossible at that time as XXXX had not concluded. At this point, no relevant information or employment status had changed from the information I had submitted previously. I repeatedly tried calling the point of contact at Royal United, and he did not answer his phone. I called Royal United 's phone tree and was able to reach the point of contact 's manager who told me he would investigate. I called the manager back after about an hour, and he told me that this should not have been pre-approved and I should not have found out about a problem with the loan the day before closing. I asked him if there was a way issue the loan, and he insisted I would need to submit a XXXX tax return before they could issue the loan. As a result of Royal United 's negligence, I asked him to have Royal United reimburse me the due diligence fee, earnest money, appraisal fee, and home inspection fee totaling approximately {$3000.00}, and he told me that I could just get the due diligence money and earnest money back, which I absolutely can not based on my contract. He also told me they would issue the loan once I submit my XXXX taxes, which is not valuable as the sellers were not willing to wait until XXXX to close the sale. I would like to be reimbursed for the approximately {$3000.00} I have lost due to Royal United 's negligence.