davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. 

I am relocating for work and in doing so I had to pull my credit reports and found there were multiple addresses that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Thank you for your prompt attention to this matter. 


The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Union Home Mortgage Corp (AZ)

XXXX XXXX. loan with more than 20 % down still charging me PMI. they stated i needed to wait 2 years. Waited the 2 years to take off PMI ; XXXX of XXXX send to their PMI department via email : appraises from a licensed AZ XXXX. We actually did XXXX and when doing a XXXX  home a number from inside the home has to be on appraisal and their XXXX they XXXX new build -- hired never ever went by the home or step inside. their XXXX gave comps from other side of town that has nothing to do with our home comps in our general area. Union Home Mortgage told me to appeal the appraisal with XXXX and he would not correct information. The homes in our area were smaller going for $ XXXX in XXXX he gave comps $ XXXX ; Fast forward : We have been asking mortgage company since XXXX to take off PMI. They have been escalating calls to PMI department since XXXX. No response back. Our last Licensed appraisal we received and forwarded via XXXX XX/XX/XXXX to : ( XXXX ) XXXX value $ XXXX we owe as of today {$130000.00} They said they started processing XX/XX/XXXX. But they have per themselves 30 days to process, were in XXXX now. Please help resolve this problem. Thank you in advance.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-19
Product: Credit reporting 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. (NJ)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2018-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MA)

I'm perplexed about the way this account is reporting on my credit report consider it's already paid off. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please  evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 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 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 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 XXXX XXXX, 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. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2023-08-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Auto Finance has participated in several predatory lending practices in order to gain more capital from consumers. During the XXXX XXXX I was only allowed a certain amount of COVID payment relief options despite having full documentation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this time one of my payments bounced back on the online portal, where my entire online account was completely disabled. I was signed up for paperless billing and was blocked from accessing my online account to view payments, history, ect. During the pandemic period, I had my car repossessed two times. Despite speaking with capital one and explaining my situation, I was offered little help and my car was taken twice. Each time the car is repossessed capital one adds fees upwards of {$400.00} in addition to late payment fees and the original account balance. During XX/XX/2022, I challenged capital one about my repossession they just did and their unlawful practices. I somehow ended up on the phone with the president of the entire company. Upon stating their inability to help me and failure to allow me to access my online account in any form, my online account access was magically restored. Since that repossession I have purposefully made payments late to see how this notification process has changed. The process has changed completely. Capital one did the bare minimum during COVID for customers that were directly affected by the pandemic and put us in financial binds with repossession and late fees.. Also since my current repossession the office of the president has called me XXXX different times, with XXXX of the times the phone conviently disconnecting. The lady has called me back each time apologizing and stating that she is unable to call me back after it happens even though my phone is on and have service. They were purposely hanging up on me after receiving the bits of info they wanted because I threatened a lawsuit. I have to print out all of my phone records to show communication between the company and myself.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

These accounts have been listed on my credit report for several months, causing me a lot of stress. Im requesting that you confirm if these accounts are actually mine. The inaccuracies have hurt my credit score and limited my financial opportunities, making it difficult for me to move forward with my plans and goals.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2018-11-27
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: Resurgent Capital Services L.P. (CA)

Earlier this year, I noticed I had an adverse account that I did not recognize from XXXX. On XX/XX/2018, I immediately contacted them for validation of the account. Initially I received nothing in response. Since then, I have requested the same information on 3 different occasions. What I received on my 2nd ( XX/XX/2018 ) and 3rd ( XX/XX/2018 ) occasion was a copy of a final bill from XXXX XXXX, a company Ive not done business with. What I was expecting in return was a package including contracts and signatures validating my ownership of the account and my agreement to repay said account. It was at this time that I realized XXXX XXXX AND XXXX were both negatively reporting on my credit reports simultaneously for the same account. 
Please delete this account from my XXXX XXXX and XXXX reports as this company has violated multiple FCRA laws in this inaccurate reporting.
Consumer complaint received 2018-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (AZ)

Collection has been added as duplicate after this account with the original creditor was deemed unverifiable. The previous collector ( XXXX XXXX XXXX XXXX ) was removed from my XXXX and XXXX credit report for lack of verification on XX/XX/XXXX and just recently re-inserted on XX/XX/XXXX by Waypoint Resource Group/ XXXX for the same account.
Consumer complaint received 2023-10-16
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. (NC)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$320.00}.
Consumer complaint received 2018-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

OCWEN is our loan servicer and they have scheduled a foreclosure sale for XX/XX/2018, even though they gave us a loan modification. They kicked us out of the modification and claimed our first trial payment was late. However, our payment WAS MADE ON TIME and we are getting the runaround by their representatives. We fell behind on our mortgage payments after we went through some tough times financially. We went through their modification process and we got a modification with an affordable payment. I sent in our payment, but they claim it was late and not the right amount. However, I have proof that it was not made late and that it was the exact amount they requested. 
We see that OCWEN got in trouble for this type of behavior and your agency fined them {$2.00} XXXX, but it appears it is just business as usual at OCWEN. We also have concerns regarding the significant increase in our loan amount when we refinanced our loan. Our balance was about {$110000.00} and we took out {$20000.00} to alter the home to meet the needs of our son. However, when he dust settled from the refinance, the balance on our loan ballooned to over {$190000.00}. We tried to get an explanation from our Broker, but we could never get a straight answer. 
We are hoping you could press them to do a formal review of where our money has gone and why our loan went up over {$50000.00}. I have never spoken to the same person twice at OCWEN, have never been able to get our single point on contact on the phone more than once, can not understand them some times and they just keep us in an endless cycle of wasted time and effort. Our current income is sufficient enough to make a reasonable mortgage payment and we want OCWEN to take a step back from foreclosure proceedings and initiate a proper review to resolve our mortgage issues.
Consumer complaint received 2020-11-06
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)

I HAVE BEEN TRYING TO GET UPDATED INFO ALL YEAR LONG ON THIS ONE ITEM ON ALL 3 CREDIT REPORTS IN WHICH THE ACCOUNT WAS PAID AN FULL BACK XXXX AN IT IS STILL REPORTING NEGATIVE THE ONE THAT SAYS XXXX XXXX
Consumer complaint received 2023-03-24
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. (CA)

I want this late payment updated from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$180.00}
Consumer complaint received 2023-10-19
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. (PA)

I am writing to file a complaint against TransUnion for their failure to delete inaccurate information from my credit report, as mandated under the Consumer Protection Code, specifically in violation of 15 U.S. CODE 1681e ( b ) and 15 U.S. CODE 1681i ( 5 ). This inaccurate information is negatively affecting my creditworthiness and financial opportunities.
Consumer complaint received 2021-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (NJ)

My husband and I refinanced our home to remove PMI & decrease rate, leaving Axos Bank This was done through XXXX XXXX XXXX. XXXX XXXX XXXX was having many issues with responses from Axos Bank causing delays in closing ( Axos Bank was delaying sending demand statements and limited date range ). In XX/XX/2021 we signed closing documents however, because of the delays in closing we made our XX/XX/2021 payment {$3400.00} on XX/XX/2021 which was included in the Axos Demand Statement. On XX/XX/2021 Bank XXXX XXXX XXXXXXXX XXXX who wired {$400000.00}. Axos Bank is stating that payment for {$390000.00} was wired. I also overpaid my {$3400.00} payment that Axos Bank is trying not to refund. I have attempted to resolve this for weeks calling the Broker ( XXXX ), the funder ( XXXX XXXXXXXX XXXX XXXX ) and Axos Bank.
Consumer complaint received 2023-04-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

My home loan with XXXX XXXX/PHH Mortgage Services was illegally and wrongfully foreclosed XX/XX/XXXX. 
I affirm that my home was wrongfully foreclosed because I was under the terms of a trial modification plan and had executed all payments as outlined in the agreement, within a timely manner. However, XXXX XXXXXXXXPHH Mortgage Services acted illegally and in bad faith, contrary to the trial modification plan XXXX XXXXPHH Mortgage Services issued when they dual-tracked my loan and foreclosed on my home. 
My trial modification plan which was accepted and sent back to the lender XX/XX/XXXX outlines I was instructed to make three payments of {$490.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per the plans agreement I executed my payments in each month via wire transfer. I have each month 's receipt that prove my payment were credited to " PHH Mortgage '' for each month of the trial payment. 
When I discovered my home had been foreclosed and sold in XX/XX/XXXX, I was still under the terms of XXXX XXXXXXXXPHH Mortgage Services ' trial modification plan, so I understand that the lender, XXXX XXXXPHH Mortgage Services was improperly dual-tracking my loan and made the error to not notify their Foreclosure Department to halt the sale of my home while a loan modification was in effect. 
My home has been sold to a third party now, but I want XXXX XXXXXXXX PHH Mortgage Services to rescind my foreclosure and restore my loan to the point where I should have been in loss mitigation. Additionally, XXXX XXXX PHH Mortgage Services should inform the third-party purchaser of my home that there was an invalid sale transaction due to a wrongful and illegal foreclosure.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (TX)

I had someone gain access to my online account by way of stealing my phone which I reported, they also have my identification information and social security number. They tried to forward mail to intercept debit cards, and been unauthorized usage of these accounts. I'm in mediation with XXXX  XXXX but don't understand why it's taking so long when they agreed XXXX ago I went through identity theft, fraud and account was having unauthorized usage.
Consumer complaint received 2021-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I was put out of an apartment about 7 years ago and all my personal info was left in the apartment I had no time to retrieve my personal belongings I have 2 accounts on my credit that are due to identity theft.
Consumer complaint received 2021-03-18
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Alleged Charged off account XXXX Bank of America is in violation of Title 15 1681 Section 2 8E ( 3 ) for failure to respond to my dispute which accused them of furnishing inaccurate data on my credit report. They are also in violation of Title 15 1681-S2-1 ( B ) for reporting information after notice and confirmation of errors My dispute was received by this company on XX/XX/2021 I am yet to receive a response from them, yet this alleged charged off item is still on my credit report.