davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-10
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. (TX)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX Your company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2019-10-28
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. (TX)

The XXXX accounts on my credit report are wrong and I was not able to pay these accounts. I have attached proof on complaints I have filed with other agencies trying to get help on being able to pay accounts online. When I call in, it takes almost 45 minutes just to make an payment by credit card. I still don't get any billing from XXXX. 


They repossessed an ATV without providing any communication or billing sent to me. They also contacted my father and made treats to him about my accounts and told him my account information. 

I have also attached emails from the person who contacted me that is not with bank. He also contacted my father and provided information about my account which is against the law. I received obsessive amount of phone calls from this guy while at work. 

Below is accounts on credit report. 

XXXX XXXX Last reported XX/XX/2019 {$1600.00} Reported balance Highest balance {$1600.00} XXXX XXXX Last reported XX/XX/2019 {$3200.00} Reported balance Highest balance {$10000.00}
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (NC)

In XXXX, I purchased a security system from XXXX XXXX. After six months of having the system, I called to let them know I wasn't satisfied with the system. She told me that she would let her supervisor know and they would send someone to get their equipment. They stopped monitoring my home but nobody ever came to get the equipment. In XXXX, XXXX XXXX XXXX contacted me repeatedly about paying them {$4100.00}, I asked for a debt validation letter but I was never sent one. I contacted an attorney and XXXX XXXX stopped calling and the collection was removed from my credit profile. In XX/XX/XXXX, I was contacted by Zion Debt Holdings contacted me about the same debt via text message stating that if I were to pay them {$1200.00}, the collection would be removed from my credit profile. I have done business with this company, purchased anything from this company or had any dealings whatsoever with this company. This company should stop reporting false collections on my credit profile. If XXXX stopped monitoring my home, how could I have a debt with XXXX more than the equipment and six months of monitoring? If it's in collections, how can I be late for monthly payments
Consumer complaint received 2022-06-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

There are several accounts being reported on my credit report. I do not knw any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.
Consumer complaint received 2018-12-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (NY)

My mortgage service provider is CMG Mortgage. I have attempted to modify my loan due to a substantial decrease in my income since the start of the original mortgage. The process has taken over three months. Before and during the process, I had to empty out my children 's NY 529 plans just to keep up with mortgage payments ( over XXXX XXXX worth of funds ). The process with this lender is atrocious. I wasted numerous hours of providing documentation, multiple calls per week during the process in which the representatives either provided inaccurate information. They don't even allow you to speak to the underwriters to make the process more efficient. They would sit on your application for 30 days causing your paystubs and bank statements to become stale. The decision makers would reject the application when they could have picked up the phone to obtain a simple answer. The decision makers weren't even knowledgable enough to know the answers to simple follow-up items. For example, they saw deposits from a 529 plan and asked if this was an independent business arrangement. I would expect these decision makers to know the answers to these questions. Another example, they asked for two months of bank statements for a new bank account. It was a new account, and they could have seen from the statement that it was the first month of operations as the starting balance was XXXX. Finally, they stated that they sent me a " second letter '' in which they never did. They usually publish documents to my online portal. No letter for follow-up was ever sent. They now dismissed my application for being incomplete when I called multiple times to ask what else they needed. The reps you speak to are just messengers and they don't even speak to the underwriters or decision makers. All of this could have been completed in 30 days and if you were able to speak to someone regarding the application and any questions they had on the documentation. They also stated they never received such documentation whenever I either emailed or faxed in the documentation.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

i am XXXX years old. i started using credit at 22 when i bought my first car and since have owned numerous credit card accounts - home loans - lines of personal credit etc.. for over 40 years - several years ago - my wife and i of XXXX  years marriage - divorced and i closed all of my accounts - since then i have opened several accounts -so all of my current open credit is about two years old - the problem is that the formula the 3 credit reporting agencies use to define the length of time i have had credit key on the oldest start date of all of my open credit accounts thus reporting that i have only had credit for a couple of years -- this is hurting my credit score as the time i am reported as having credit to my name is only two years - this is not a good thing because it shows i am very new to managing credit. this is a flaw in the formula - i have had credit for over 45 years but they all three report that i have only had credit for a couple of years. i disputed this with all three but they will not change my score or the length of time i have managed credit. this is not a true representation and is hurting my score and causing me to have problems getting a mortgage. they need to fix this so the length of time is not a couple of years. this puts me in the same group as a teenager just starting out in life.
Consumer complaint received 2023-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

An aquaintence named XXXX XXXX had posted on XXXX  that he was having a moving sale and was selling a refridgerator. When I asked about the refridgerater on XX/XX/23 he messaged me from the same account. He said he could hold the fridge until Sat with a deposit of XXXX. I agreed and cashapped the money to what he said was his cashapp account. 

Later, I asked if he could deliver and he said yes, but there was a XXXX delivery fee. I agreed and sent XXXX. 

After a few hours, I start getting notifications that XXXX XXXXXXXX XXXX XXXX  acccount was hacked and other people had been scammed they same way by who ever was pretending to be him stating they were having a moving sale and he would hold and deliver the items for a deposit and delivery fee. 
I reported the account and XXXX  took it down. I contacted cashapp support who advised they can not help me with a fraudulent charge. I advised the person was hacked into someone elses XXXX  account and pretending to have a moving sale yet they say they can only ask the theif to send the money back!
Consumer complaint received 2018-12-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (GA)

XX/XX/18 - Contacted by XXXX XXXX XXXX at Caliber Home Loans regarding applying for a USDA mortgage. He assured me that his firm was familiar with the bankruptcy/foreclosure exceptions and exemptions for USDA loans involving regular or manual processing with or without GUS.

The property in question was not reaffirmed in the Chapter XXXX.

XX/XX/18 - XXXX XXXX reported that my mortgage application was denied due to the foreclosure. He stated, " USDA is a hard no until your foreclosure is 3 years old '' ( XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX ) and " I dont think you get It! I had USDA underwriting look at it and they dont feel your reason for the hardships are sufficient enough reason for foreclosure '' ( XXXX XXXX XX/XX/2018 ). The foreclosure is an irrelevant issue as stated below in the USDA guidelines. Further,  XXXX XXXX has ignored my requests to receive further explanations from the party ( ies ) that made the erroneous decision. My bankruptcy was caused by unemployment ( layoff ) followed by underemployment, plus the three-year window has already passed for the Chapter XXXX. Again, the denial for foreclosure was an error by Caliber.

USDA Guidelines - " When a Chapter XXXX   bankruptcy absolved the mortgage debt for the applicant, any foreclosure or remaining foreclosure pending is an action against the property, not the applicant. The foreclosure action is not considered as an indicator of unacceptable credit in the applicants evaluation. A loan underwritten with the assistance of GUS will not be required to be manually down-graded when the bankruptcy discharge included the mortgage debt. ''
Consumer complaint received 2021-09-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (GA)

In XXXX I applied for a modification of my mortgage for two reasons. I was divorced and needed to remove my ex-wife name from the loan and I needed assistance with a lower mortgage payment. When I contacted Ocwen, I notified them of what was needed per the court order. The informed me to send in my divorce decree in which I did. Once they received the documents and reviewed them, I was approved for the modification. The modification documents were sent to me in the mail and I was the only person to sign the new loan documents. 

In XXXX my loan was transferred to PHH Mortgage and the payoff/transfer showed on my ex-wife credit which alerted me to her name still attached to my mortgage. I contacted PHH and they are telling me that the modification did not remove her from the debt. 

The main reason for the modification was because of the divorce and I was told her name would not be attached. I am now being asked to sale the house because I could possibly be in violation of a court order in which I did what I was supposed to do. 

I just need the mortgage company to make me the only guarantee on the loan and remove her name. With her name on the account, she has access to ask any questions and review any documents at this time. I have not been able to resolve this after several conversations with people overseas.
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Mr. Cooper bank is the holder of a loan on a duplex property in pre-foreclosure status located at XXXX XXXX XXXX, XXXX, IL XXXX. The property has been vacant for going on 2 years. Mr. Cooper bank did not winterize plumbing in the property. On Sunday XX/XX/2021 the pipes froze and burst in this property flooding the home as well as my adjoining duplex located at XXXX XXXX XXXX, XXXX, IL XXXX. I have reached out to the bank several times regarding this matter and have only been able to speak with customer services representative which have been of no help. To date no water mitigation as been started at the property which Mr. Cooper bank holds the loan for property at the address of XXXX XXXX XXXX, XXXX. The lack of proper water mitigation bears serious negative effects to my adjoining unit at XXXX XXXX XXXX, XXXX. I had water mitigation begin in my property on XX/XX/2021 and my property is currently gutted due to water damage. The current estimate of damage to my adjoining property is near {$17000.00}. I had to pay the plumber on the day of the incident {$270.00} for the plumber to shut of water in the vacant unit managed by Mr. Cooper bank and I also have {$1000.00} deductible related to the insurance claim. I would appreciate any help in resolving this matter and getting in contact with the appropriate party at Mr. Cooper bank to resolve the matter.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

My account with CCB/XXXX  has been paid and closed but it is reporting with new late payments from XX/XX/2019 & XX/XX/2019. This information is incorrect. I have disputed this inaccurate information with the credit bureaus and creditor.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (AL)

I REQUEST WELLFARGO BANK REMOVE XXXX OLD ACCOUNT WITH THEM, THESE ACCOUNT ARE CLOSED HAS BEEN WRITTTEN OFF EVERY OTHER WEEK THE COMPANY INSIST DOING A MAINTANCE SERVICE TO REVEIW MY CREDIT SCORE FROM MY CREDIT REPORT AND THEY DELIBERATELY DISCREDIT MY CREDENTIALS IF THEIRS ANY POSITIVE CHANGES TO MY PERSONAL REVIEW WITH OTHER CREDITORS.HOWEVER- I APPLY FOR A LINE OF CREDIT WELLSFARGO BANK PRODUCE A NEGATIVE INQUIRE TWO ALL CREDIT BUREAU WHICH IS PASS STATUE LIMITATION XXXX OR XXXX YEAR MARKER. NOTE : EACH TIME MY CREDIT SCORE IMPROVE BY A MARGIN OR PAYING OFF A DEBT -WELLSFARGO DOES A MAINTANCE INQUIER TO DISCREDIT MY DATA ETC. PLEASE NOTE I WA S XXXX TWICE TWO SEPARTE YEARS AND ITS IS WELL DOCUMENTED AND OUT OF WORK WELLFARGO DIDNT DESIRE TO COMPROMISE SMALL PAYMENTS AT ALL AND I REPORTED THIS INFORMATION TO THEM AND TRIED TO MANAGE REASONABLE PAYMENTS AND I WAS DENIED.THAT SAID .... THIS IS NOT RIGHT FOR THEM TO HARRASS MY CREDT SCORE AND BELITTLE MY PERSONAL DATA BY CONTIUE TO EXPOSE A CLOSE ACCOUNT JUST TO SIMULTANEOUSLY PUNISH OR REMIND ME OF A PASS HISTORY OF SLOW-PAYMENT DUE TO MY ILLNESS ETC.PLEASE HELP. TODAY DATE XXXX XXXX ; XXXX XXXX CST. PLEASE EXCUSE THE GRAMMAR. CONTACT MY VIA XXXX XXXX OR XXXX
Consumer complaint received 2022-03-28
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. (GA)

I got the XXXX XXXX XXXX loan for the XXXX XXXXXXXX XXXX XXXX. I commissioned XXXX XXXX upon graduating school and there was some confusion with XXXX as to what documents I was supposed to give them. I was finally able to resolve the issue after a terrible amount of communication with XXXX, and then disputed the claims with the credit agencies. I thought that the issue had been resolved. Unfortunately, it had only gotten resolved with XXXX and not Experian. The Experian credit agency dispute shows the same way that it did before the dispute. I took the loan my last two years of school, where it was supposed to be paid off by years in service.
Consumer complaint received 2018-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (TX)

In XX/XX/XXXX I took a 90/10 loan with XXXX XXXX XXXX   ( XXXX  ) on a {$48000.00} purchase where I paid {$48000.00} as 10 % down payment with a principal loan of {$430000.00}.

XX/XX/XXXX my XXXX XXXX XXXX ( XXXX ) loan was current. ( Exhibits 1 and 2 ).

XX/XX/XXXX I made the scheduled monthly payment of {$3300.00} to XXXX. ( Exhibit 3 and Exhibit 4 ) XX/XX/XXXX I also paid XXXX the {$48000.00} against the principal that was required to eliminate PMI. ( Exhibit 3 ) XX/XX/XXXX XXXX   charges {$86.00} for PMI. ( Exhibit 5 ) XX/XX/XXXX I asked that PMI be removed from my account.

XX/XX/XXXX I made the scheduled monthly payment of {$3300.00} to XXXX. ( Exhibit 5 ) XX/XX/XXXX XXXX  sent me a delinquency notice for the XX/XX/XXXX payment. ( Exhibit 6 ) XX/XX/XXXX XXXX   sent a statement showing I owe {$6600.00} on XX/XX/XXXX ( and that my XX/XX/XXXX payment is past due ). ( Exhibit 5 ) XX/XX/XXXX I was again inappropriately charged PMI ( Exhibit 13 ) I have made many contacts with XXXX   attempting to address this issue directly with XXXX. ( Exhibits 7, 8, 9, 10, 11, 12 ). I have more similar messages back and forth with XXXX that simply do not address this issue.

Please help. I am asking that : 1. my account correctly reflect that I made my XX/XX/XXXX and XX/XX/XXXX payments timely ; 2. my account correctly reflect that on XX/XX/XXXX I paid an additional {$48000.00} against principal ; and 3. PMI should no longer be charged and all PMI charges after XX/XX/XXXX should be refunded to me.
Consumer complaint received 2022-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Associates (VA)

On my credit report, XXXX XXXX XXXX, is reporting I owe XXXX $ on XX/XX/XXXX. Due to this I have been denied housing opportunities and loans to even improve my stances on becoming a home owner. I have absolutely no information on this bill or amount owed. I have called multiple times in the past 2 years of when this account was opened on my credit report to be provided with no information or even call backs on how this can be resolved. I have two insurances ONE being XXXX that pays for 100 % of my services within XXXX XXXX ( which is when these charges would have occurred ) Around the XXXX of my son around XX/XX/XXXX .... and TWO being XXXX. There should have never been any financial burdens on my part within these companies. The company has been given all my insurance cards as well as told I have two insurances. I have asked for my bills to be shown to me so I can see what they are for and have been told " they dont have them as they did a new system within XXXX and cant pull up records ''. I cant pay a bill I have no knowledge of, no bill for, as well as no communication on as to why my insurance has never been billed for any of it the " claimed '' amount saying I owe. This is highly unethical and I feel extremely victimized in my quality of life trying to move forward with no anvil. I need this taken care or and I need help.
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Dear Sir/Madam, I made a complaint against loancare regarding the same issue ( XXXX ) They closed my case without resolving my issue. 

My loan balance is still below 80 % but they do not answer any of my calls or emails regarding the cancellation request, they already charged me for the month of XXXX and they send me the bill for XXXX where they still want me to pay PMI. 

I got a letter from them after your complaint that letter was signed by XXXX XXXX with extension number XXXX but when I try to call this number during the business hours provided on the letter I got " Invalid Extension '' error. 

I tried to leave them a voice message but no one ever returned any of my calls.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Systems,Inc. (OR)

Good Morning, This debt has been settled and paid multiple times. However XXXX XXXX  XXXX  XXXX continues this fraudulent behavior. I have tried contacting them, along with XXXX. These were all settled in XXXX or 2015. For {$1700.00} {$2700.00} and {$2000.00} which were negotiated and paid with XXXX XXXX XXXX in XXXX XXXX. This has caused me to go homeless because of greed.