davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-28
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. (GA)

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In 2016, several accounts reported on my credit report per XXXX XXXX. Upon research, Im no longer responsible for the accounts. I challenged the validity of the Chapter XXXX Bankruptcy, Reference Number XXXX reported XX/XX/2016 that was being reported on my credit report. Upon challenging this, Transunion and XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed upon challenging the Bankruptcy account with Transunion that they are legally responsible in removing all information associated with inaccurate information being reported. I noticed as a result of challenging these accounts with Transunion that they verified these same accounts. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information Transunion used to verify these accounts in writing. If such documents can not be produced please delete these accounts immediately. 

Accounts are referenced below. The accounts are reporting inaccurately and needs to be removed. The accounts has comments stating that the accounts were included in chapter XXXX bankruptcy yet there is not a valid bankruptcy on my Transunion report, therefore my my consumer rights has been violated and Im requesting legal actions now. 

XXXX XXXX XXXX XXXX XX/XX/2016 - account number XXXX *XXXX/XXXX reported XXXX XXXX- account number XXXX XXXX XXXX XXXX reported XXXX XXXX- account number XXXX XXXX XXXX XXXX reported XXXX XXXX- account XXXX XXXX *XXXX XXXX XXXX reported XXXX XXXX- account number XXXX XXXX XXXX XXXX reported XXXX XXXX- account number XXXX *XXXX XXXX XXXX reported XXXX XXXX- account number XXXX
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

As recently as XX/XX/scrub>XXXX XXXX I was assessed a {$34.00} NSF charge. It was yet another charge that began on XX/XX/XXXX for {$41.00} as a late fee, XX/XX/year>, {$34.00} as an NSF charge, XX/XX/year>, {$34.00} NSF charge. I have attempted to change the linked bank account, and I have been unable, and as a result it has caused me a lot of issues. It has been a great source of frustration to have all these fees assessed and my bank charge me as well. Also since payments have not been received Citi is reporting negatively to the credit bureaus. I am XXXX XXXX XXXX, and I only receive at the moment my social security check and to have all these charges accumulate is very distressing to me.
Consumer complaint received 2022-07-14
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 XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX bank XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX bank, N.A 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
Consumer complaint received 2019-05-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I entered into a Note contract with XXXX when I fell behind and requested help XXXX TRANSFERRED my account to XXXX XXXX  around XX/XX/2015. Although, XXXX XXXX gave me a new account number it still the same original mortgage. My credit report should not be reported as 120 days past due with XXXX every month when now there is a zero balance. 
My credit report shows I have two mortgage companies but I only contracted with XXXX  they chose to place me with another mortgage company because clearly I was having difficulty with my FHA loan and they off loaded me to another mortgage instead of helping me with my hardship.
Consumer complaint received 2019-05-27
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. (WA)

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX,
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NC)

We obtained a mortgage from XXXX and during the pandemic a deferral process was offered. We were told that the amounts deferred would be put on the end of our mortgage loan. Towards the end of the months able to be deferred ( around XX/XX/2022 ) XXXX transferred all their mortgages to a company called Mr. Cooper. Mr Cooper failed to honor the deferment process making the home owners go through another approval process in which the clients were not allowed to owe more then 18 months. Each month we spoke to a different agent and we were told different stories. Some said only one payment was required and another one would say 2 payments were required and most recently on XX/XX/2022 we were told one payment was required to enter into the application for approval docket. Meanwhile they had been reporting to the credit bureau that we were not making payments that were SUPPOSED TO BE DEFERRED! So on XX/XX/2022 I called to make that monthly mortgage payment that I had been making since XX/XX/2022 and was told that I was unable to do so unless I paid TWO mortgage payments! So, we are at risk of ruining our credit so unable to refinance, at risk of losing our house, and been lied to for months as they called EVERYDAY to the point of harassment and when we would answer the agent would say they need the information on the account because they were unsure of why we were called! Every call was recorded and the agent today stated she was not sure why we were told only one payment was needed and without being given a due date before it would default to two payments and all she could do was have the manager review the recorded line and speak to the employee about it but that would not help us! This is unacceptable! We had an agreement with XXXX which we would not have made had we known we would be put between a rock and hard place! Something needs to be done about this as the representative I spoke with today informed me others had gone through this and had to seek government assistance to solve the issue which should have never been the case to begin with!
Consumer complaint received 2020-11-30
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. (OH)

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2019-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

Claim against XXXX XXXX ( the world 's 36th-largest financial services company ), and its partner XXXX XXXX who have been sued and settled for insurance underwriting of homes and residential subprime mortgages loans. I secured my high interest loan from in XXXX. I have not been able to pay off my home that I have lived in since XXXX. I build the home on property my Dad ( a military XXXX XXXX XXXX  veteran ) bought in XXXX. I had a lost my saving and retirement due to caring for a very sick loved one from XXXX to XXXX. During that time I refinance my home and lost my job in XXXX. I have applied for various loam modification to reduced the high interest and help finish paying off mortgage. The company who services the loan for XXXX and is Ocwen. The give me wrong phone numbers an miss information. I have tried to work with them but I am not sure is they even read my complaint or work with my loan modification request. I am paying over 9.80 % on the loan. I was at {$25000.00} owing when I lost my job again in XX/XX/XXXX. I am trying to reestablish but they do not negotiate, and provide me with a list of HUD contacts that do not exist. I have complain before and they send me the same coined response without answering any of my question. I very behind on payments and do not want to lose house. I want a forebearance and they do not work with me. I want a lower interest and they do not work with me. I am filling this in hope of getting a resolutions and not a the same generic letter they send everyone. I also am very concern with your approach you do not look into violations but take what every the bank provides, I have not received help from either.
Consumer complaint received 2019-05-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (TN)

In XX/XX/XXXX I used PRMG Loan Officer NMLS XXXX, XXXX XXXX to assist in closing on my home. I advise Ms. XXXX that I would NOT be able to afford a home with a monthly mortgage of over {$1000.00}. Based on this Ms. XXXX advised me of many things I could do to avoid a higher monthly mortgage. I paid my Escrow and taxes upfront to avoid this. Based on the number Ms. XXXX advised this would save me at least 350 per month with my monthly payment being {$800.00}. All money was paid before closing. When I received my first monthly statement due in XXXX due XX/XX/XXXX, it had a statement of XXXX a month for payments. I immediately contacted Ms. XXXX for clarification. She advised this was an error maybe due to my account being transferred to XXXX XXXX. I was asked to contact an associate at XXXX XXXX to have it corrected. A copy of my paid receipt was also sent to the mortgage company. As a result I was advised that I was still responsible for taxes and escrow monthly regardless of if it was paid in advance. The money collected would be used for next years taxes and escrow. I again contacted Ms. XXXX who apologized via email and took responsibility for the error. She said that she would have the problem corrected. This was 15 days before my 1st payment was due. 2 weeks later I emailed Ms. XXXX again for an update and in this email she stated that she provided me with incorrect information and due to her error she would pay the XXXX extra from her own pocket. After several emails, text, calls and help from my Agent XXXX XXXX Ms. XXXX has failed to respond. Ms. XXXX deceived and scammed me providing me with incorrect information which resulted in me signing to a loan I can not afford. This was intentional as Ms. XXXX and Ms. XXXX were aware I could not commit to signing with to a loan with mortgage over {$1000.00}.
Consumer complaint received 2022-11-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (LA)

I applied for a personal loan of XXXX through a third party website on XX/XX/2022. I was notified I had been pre approved by One Main Financial. When submitting my application from One Main Financial I was notified it would be a hard inquiry on my credit report. I submitted the application and then was told I had been approved. The website now said I need to verify my income and upload other documents to continue. The documents needed to continue said : proof of auto insurance, pay stub, photo ID front, photo ID back, and vehicle registration. The application up to this point had never mentioned a vehicle was necessary for the application of the loan. I called One Main Financial to get clarity of why vehicle documentation was necessary to receive the loan I was approved for. The agent stated I applied for a collateral loan. I let the agent know I applied for a personal loan not a collateral loan. I was told the application was for an unsecured or secured loan. But I would not be able to pick which loan I wanted to apply for. This company falsely advertised the original loan I applied for which was a personal loan. The information the agent told me was not clearly stated on the application I was submitting. My credit report was pulled without my authorization. I wouldnt have applied for this loan if it had been clearly stated that applying for this loan would require collateral even after being approved, based off my credit score.
Consumer complaint received 2020-12-07
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. (OH)

Experian Report Number XXXX Investigation # 01 Dispute Complaints and Results XX/XX/2020 : Filed Dispute with Experian Credit Bureau for XXXX/Department of Education and XXXX XXXX XXXX/In writing through the dispute center. 

XX/XX/2020 : Results- Account Remains the Same XX/XX/2020 : Filed Dispute with Experian Credit Bureau for XXXXt/Department of Education and XXXX XXXX BY PHONE through the dispute center. 

XX/XX/2020 : Results- Account Remains the Same XX/XX/2020 : Uploaded supporting documents from XXXX  /The Department of Education and XXXX XXXX websites to support my claims with most recent balances reflected on the first page. 

XX/XX/2020 : Results sent by email from Experian : XXXX XXXX XXXX XXXX .... 
Remains " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Spoke with XXXX, a Supervisor at XXXX XXXX on XX/XX/2020 who suggested they responded to Experian with updated information to reflect the current balance. It was suggested she will mail a dispute form to me which will take up to 30 days to resolve. 

XXXX/Department of Education suggested they will do their own dispute if the report is not fixed after sending supporting documents. However, it has been updated correctly for XXXX/Department of Education.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I was a victim of identity theft and multiple banks were tried to open a line of credit under my name with my information. XXXX Bank XXXX XXXX did not accept the application because they couldnt verify my identity. Bank XXXX XXXX also denied the application and called me to verify if it was identity theft or not. Citizens one bank however, let the account be fraudulently opened under my information, and let a large balance be accrued. I had to freeze all XXXX of my credit bureaus and report to the FTC about my identity theft. I opened a claim with citizens one bank, and the person I spoke with on the phone said to file the claim online and they would fix the account and balance that I did not personally open. After I followed all the steps to report this account as fraud and identity theft, citizens one bank denied my claim, and is saying that I opened it and they are requiring me to pay a balance for charges I did not make. This needs to be overturned and resolved. I will not be a victim that pays for something I didnt charge, on an account that I did not open. This whole event of having my identity stolen has been grueling enough to deal with. The bank needs to update its security measures to ensure that people who are opening accounts have their identities verified, instead of just letting things push through.
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BlockFi Inc (CA)

I received an email informing me : From : XXXX XXXX Amount : {$5.00} Method : Check Memo : XXXX Final Balance Estimated arrival : XX/XX/year> XX/XX/year>. This is FRAUD. I am not accepting any USD payments. I have no access to any banking products. I have been threatened by the bank with arrest. Send the money to this bankruptcy estate XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (TX)

Santander consumer USA repossessed the car on XX/XX/XXXX at XXXX XX/XX/XXXX with no notification. They had my address on file they did not mail me a letter they did not call my phone they did not notify my references that i put on the original application XXXX XXXX my mother in law phone number was on the contract they did not contact her. My husband was layed off with coronovirus pandemic. this year we were evicted from our townhome i have records of eviction. We were denied food stamps and we stay at my mother in laws house looking for work. I only have a month here to find a place to live. With my XX/XX/XXXXbabies. A XXXX year old and a XXXX year old babies. Now we have no vehicle. They want XXXX to get out repossession i have XXXX. I never got my stimulus check my taxes were delayed this year. Im a united states citizen an being treated unfairly. To resolve this issue i would like the car back with regular payments. My husband just got a job since being layed off. He has not worked the first week yet. I just paid {$900.00} to get work done to the car with the mechanic i was going to reach out to pay now my husband has job. I have not been driving the car