davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Ocwen LN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Our client received a letter dated XX/XX/XXXX stating she had until XX/XX/XXXX to respond regarding a choice between a Loan Modification and other Pre-Approved Options. Our clients response, stating they wanted a short sale, was sent to the bank onXX/XX/XXXX via certified mail. Ocwen confirmed on XX/XX/XXXX that they received their response.

Our client was told that if they did not want a Loan Modification they would have 30 days to provide a short sale package, at which point Ocwen would review them for a short sale.

On XX/XX/XXXX and XX/XX/XXXX we submitted documents for a short sale, of which Ocwen has confirmed receipt. Even though Ocwen received a short sale package within the specified time frames, they are refusing to review for a short sale and instead will be taking the property back at auction on XX/XX/XXXX.

We have also been told by Ocwen that the short sale was declined onXX/XX/XXXX -- before the due date for the borrower 's response.

This goes against what Ocwen had previously told the homeowner. Ocwen has purposely deceived the homeowner multiple times. They told the homeowner multiple times that the auction date was on hold and that they would have time to do a short sale. However, when we call in and speak with Ocwen they state they will not postpone the auction date and have every intention of taking the property back at auction on XX/XX/XXXX, regardless of what other reps have told the homeowner.

In addition, Ocwen does not have any kind of appropriate valuation on the property. They are valuing this house, built in the XX/XX/XXXX, against homes that are maybe 5-6 years old. Ocwen has a value of $ XXXX in their system, yet they have never had anyone inside their home. Ocen takes their values from XXXX, who has publicly admitted to inflating their values by 20 % across the board. Is Ocwen refusing to review this offer because they dont want to admit their values are inflated and therefore unrealistic?

Or. Is Ocwen simply discriminating against a XXXX borrower? They have already like to the borrower multiple times. They have no realistic value in their system, and are stating they are simply going to take the property back on XX/XX/XXXX even though Ocwen stated the homeowner would have 30 days to pursue a short sale.

Ocwen has already been fined for this type of illegal behavior. Obviously they have not yet learned their lesson.

I want Ocwen to review the borrower for a short sale, like they told her they would.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX of XXXX XXXX to apply for a car loan. XXXX XXXX XXXX hard inquiry is of my knowledge. The salesman at XXXX dealership said he was going to get me approved at XXXX XXXX which he did. So that inquiry is valid XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX But all these inquires below are not valid and I didn't give permission. These below inquires should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Thomas Agency, Inc. (FL)

The Thomas Agency - 2 years ago I had a company for running credit cards. I clearly emailed them and canceled. They continued to bill me. Then, I needed an invoice, so I canceled again. They sent the info to a collection agency. The collection agency came after me for {$740.00}. Keep in mind I already canceled twice. I feel like they have a bait tactic and require an overly difficult cancellation process. I am very frustrated as I have already canceled twice.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX of XXXX XXXX to apply for a car loan. XXXX XXXX XXXX hard inquiry is of my knowledge. The salesman at XXXX dealership said he was going to get me approved at XXXX XXXX which he did. So that inquiry is valid XXXX XXXX   XXXX XXXX XXXX XXXX But all these inquires below are not valid and I didn't give permission. These below inquires should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-03-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF NATIONAL BANK (AZ)

I paid off my TCF Bank mortgage in XX/XX/XXXXand obtained a home equity line of credit from XXXX XXXX in XX/XX/XXXX. I am currently in the process of asking for an increase in my HELOC with XXXX XXXX   During the application process we had found that TCF Bank had placed a second lien on my property without my consent and I need to show my home as free and clear. Please provide me with a direction of how I can get this accomplished.
Consumer complaint received 2018-12-10
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. (NJ)

There is an inquiry on my report from XXXX XXXX that was not generated or authorized by me, for a company I do not know and there is no additional information about who its from and how to contact them. 

When i asked to investigate this as fraud I was told they don't do that and I would need to figure out how to locate the company and dispute it with the company. 

I asked how was I supposed to track down a company with a XXXX XXXX and no phone number that they readily accepted this inquiry from I might add with no additional identifiable information. 

I quoted from the consumer rights printed on the bottom of their report " incorrect, incomplete information is to be investigated by the company '' upon notification and still they indicated they will not do this. 

On top of this they are unable to verify my identity, though I am able to do this on every other site including the government free credit report site and due to this they won't update my mailing address which is currently missing my apartment and incorrect. 

It has been a vicious circle with this agency for a week and I am the one stuck with things on my report that I can not get removed, disputed and they keep telling me they will MAIL me further information, which I have requested them not to as they will again open me to identity theft by mailing documents with sensitive information to an incorrect address.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint is being filed to request that you, the credit reporting agency, block information on my consumer credit report resulting from identity theft and fraud, as mandated by FCRA 605B ( 15 U.S.C . 1681c-2 ). I ask that this action be completed within four business days of receiving this complaint. 

The fraudulent and inaccurate information includes : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance : {$1800.00} Auto Loan XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$24000.00} I do not recognize any of these accounts or collections as they were not opened, made, or initiated by me. All the accounts listed above are a result of identity theft and fraud. 

Attached is a copy of the FTC Identity Theft Criminal Complaint XXXX XXXX as proof that these accounts are fraudulent. 
Please delete these accounts as soon as possible as it stopping me from been able to get approved for my home loan.
Consumer complaint received 2018-03-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (AZ)

My vehicle was repossed on the night of XX/XX/XXXX. I spoke with the tow truck driver and learned that there was title loan out on the truck. I proceeded to go in to the XXXX in XXXX XXXX, Az XXXX to get information on the title loan Tuesday, XX/XX/XXXX. The general manager then refused to provide me any paperwork on the title loan repeatedly told me that she had no clue who I was. I offered to provide drivers license, birth certificate, social security card, and any other identification she needed to verify that I was the owner of the truck. She refused to view any identification I offered to provide her. Since then I have tried numerous times to pay off the obligated amount owed on the loan to which they are refusing to accept payment for to get back my vehicle. I have spoke to 2 district directors for XXXX in the XXXX area to which both have refused to allow me to make the payment. As they only allow 10 days guaranteed to reclaim the vehicle I am about to be at that 10 day mark on Thursday, XX/XX/XXXX. I recorded the last conversation today with one of the district directors for proof of them denying my payment to recover the vehicle.
Consumer complaint received 2023-06-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

Experian 's process compared to XXXX and XXXX is burdensome and extremely slow and it will cause a delay in purchasing a home.
Consumer complaint received 2024-11-02
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. (FL)

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking, and the information listed below, which appears on my credit report, is a result of that trafficking.

Please block the following information from my credit report within four business day
s, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX  XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX XXXX Enclosures : Proof of identity Trafficking Documentation
Consumer complaint received 2018-03-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (UT)

Called in to speak to NMAC Nissan acceptance motor corporation after payment submitted didnt go thru. They stated they could not take payment over the phone so I paid on their app. I fixed the billing information and submitted a payment. Now it is showing past due over 30 days and reporting on my credit and my husbands. We revieved no email or notification the payment did not go thru the second time after correcting the billing info. Made a payment XX/XX/XXXX as soon as I found out this didnt go thru. No it is pending and when I called in they were very rude and even hung up on my husband. Im trying to get this resolved as I have had the money in the account and paid it. I do not feel this is fair to have a late charge and this hurt our credit when they did nothing on their end after our payments were sent.
Consumer complaint received 2018-12-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (CA)

Hello. In XX/XX/2018 I paid off the entirety of the principal balance for my car loan. I have some lates fees that I couldnt afford to pay at The time and I was Told that this would not impact my credit. I saw I had a XXXX XXXX Balance so I immediately made a payment of XXXX XXXX to pay any principal Balance left and only leave any late charges. I noticed on my credit report that there was a XXXX day late from Wellsfargo dealer services. I spoke with them today on XX/XX/2018 and the told me that this will continue to report until they are paid off. This what was not what I was told and I need this removed from my credit report.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute late payment information that is appearing on my credit report. I believe this information to be inaccurate, and I am requesting an investigation under the provisions of the Fair Credit Reporting Act ( FCRA ). 
According to my records, the following late payments appearing on my credit report are incorrect : Creditor Name : XXXX XXXX Alleged Late Payment Date ( XXXX ) : XX/XX/year> Creditor Name : XXXX XXXX XXXX XXXX Alleged Late Payment Date ( XXXX ) : XX/XX/year>, XXXX As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1666b ). I request that you conduct a thorough investigation into these late payments to verify their accuracy. If these late payments can not be verified, they should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1666b.

In accordance to the fair credit act this creditor has validated my rights under 15 USC 1666b. It states the consumer reporting agency can not furnish any account without my written consent. A creditor may not treat a payment under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



. Please remove and delete the above accounts in this statement.
Consumer complaint received 2018-03-08
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. (LA)

In XX/XX/XXXX I discovered that XXXX XXXX XXXX XXXX was reporting a reporting a debt of XXXX to all 3 credit reporting agencies. I discovered this after applying for a mortgages. The debt was for an apartment that I moved out of in XX/XX/XXXX after giving a 30 day notice. In XX/XX/XXXX I contacted the collection agency and apartment complex requesting a breakdown of charges and validation. I gave my 30 day notice and used my complex as reference to obtain my new apartment. I was not under a lease at that time and my rent was only XXXX at the time I moved out. 
On approximately XX/XX/XXXX I sent a letter to the collection agency for a breakdown & explanation of charges. I got no response. So I started contacting the credit bureaus regarding this debt. I disputed the account online with XXXX & it was removed after the collection agency couldn't provide proof of the debt. I was unable to find options for reporting the debt online for XXXX & Experian so chose to wait until I was able to pull & print my annual report & write them then. I contacted Experian & XXXX   by certified mail on XX/XX/XXXX. Then on XX/XX/XXXX, Experian reported that they were unable to remove the debt it came back as validated. I have yet to see any information. As of XX/XX/XXXX I still have not heard from XXXX.
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

As of XX/XX/2018, as I was checking my credit report and noticed I have a thin record. Shows my credit score is low and a description of " Having less than XXXX accounts can make you look riskier ''. Recommends which credit card to apply for and then when I went to just to apply for XXXX of the cards. My result was denied. I feel as though it was falsely advertised and now my credit score went a few XXXX   down. Even if the bottom says its from a XXXX party. Experian is still partially responsible for the advertisement.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

i have been working very hard to upgrade my FICO scores i have brought my score up to XXXX with XXXX ,XXXX with XXXX XXXX but EXPERIAN refuses to update my score they have it at XXXX i have called repeatedly, i have joined their monitoring service all in hopes of getting them updating my score when i called i went through the whole phone tree until i was finally was able to speak a representative XXXX she was unable to answer any of my questions, she passed me off to - a area supervisor XXXX XXXX refused to explain their company 's scoring formula as if her, XXXX, XXXX, and XXXX were siting there calculating algorithms that i was to simple to understand. 
A perfect score is XXXX, mine is XXXX I asked why my score was 145 points lower than the best score possible her answer was -there were 3 negative factors first, was a delinquent medical bill ; which was paid in full a that point and that was reflected in my score with the other 2 major agency 's also, one credit card was over the 100 percent credit limit in the recent past, but by the time we spoke that account had been paid down below 90 % percent of the credit limit, also reflected in my scores with the other major agency 's third MOST importantly my DEMOGRAPHICS " my demographic s '' i asked her was it because i was XXXX or XXXX what demographic was damaging my score ; she refused to answer, she said the matter would be referred to the regional supervisor, its been 5 days i have heard from no one and my score hasn't changed still XXXX  according to experian these conversations were recorded any help is appreciated
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I applied for a mortgage with Loan Depot in XX/XX/XXXX and after working with them for six months, they finally declined me in XX/XX/XXXX. Loan Depot did not treat me fairly, did not use appropriate underwriting methodology, and failed to include all of the verifiable income that my wife and I make. In addition to the unfair underwriting practices, I was also left in the dark about my approval for a very long time. I have evidence that they decline me on XX/XX/XXXX, but I did not receive the decline letter until XX/XX/XXXX ( I have the postmarked envelope ). The Lender wasted the time of my tenants, my wife, and tax accountant, and myself through 120 hours of communication for underwriting, prepping for the appraisal ( which they ordered and completed ), and preparation for multiple stages of the loan. Lastly, they also discriminated against my wife and I due to my wife 's line of work and the disparaging comments the Loan Officer ( XXXX XXXX ) made to me in which he at one point said " do you know who you're dealing with '' while on the phone with me and was threatening. I wrote various statements of explanation to them, provided numerous reports of income, but they did not reflect all my income and refused to use the correct income for my wife.
Consumer complaint received 2018-03-08
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: CITIBANK, N.A. (TX)

I HAVE ASKED XXXX ; XXXX TO REMOVE ME OFF THE ACCT AND CREDIT REPORTS. 

ACCT # XXXX XXXX XXXX SS # XXXX XX/XX/XXXX