davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX I sent credit dispute letters to Transunion, XXXX and XXXX asking to Validate the debt for 4 accounts I saw on my credit report. I did not receive any return communication by mail from them. 
On XX/XX/XXXX I sent another letter letting them know I had not heard from them and I wanted an investigation started on the 4 accounts. I did not receive ay return communication by mail from them On XX/XX/XXXX I have sent another letter by certified mail letting them know I have not received a reply about the results of the investigation in to the 4 accounts. This is causing a hardship because it is preventing me from buying a home for my family. Very soon we will have to find a new place to live. 
I thought the credit bureaus had 30 days to respond with the results of their investigation. if so they are in violation.
Consumer complaint received 2022-05-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MD)

Dear XXXX, I am in the process of applying for a reverse mortgage with XXXX XXXX XXXX, and the process was moving along quite well, but there is a requirement that my current mortgage servicing company, XXXX XXXXPHH cancel an existing FHA file numbeXXXX before the appraisal can be ordered. According to XXXX, XXXX XXXX XXXX, ( XXXX ) XXXX, EXT ; XXXXXXXX XXXX XXXX/PHH has been " Non Responsive '' to the requests for the cancellation. 

I have tried repeatedly to contact XXXX XXXX/PHH but am repeatedly placed on HOLD, hung up on, etc. 

Please help! 

By way of background, I was previously employed by Public Citizen, so I am quite familiar with your organization and its goals and objectives. I will also forward a copy of this complaint to XXXX XXXX XXXX, as well as my two Maryland Senators. 

Thank you in advance for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
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. (NC)

While My wife and I were trying to make an offer to buy a condominium at XXXX XXXX of South Carolina. Our realtor advised us to get a mortgage pre-qualification letter from a lender. He recommended XXXX XXXX to get the mortgage from so weve filled an application on XX/XX/2022. The bank sent us an email to inform that our loan was denied due to low credit score of XXXX. 
I asked for the credit report to see our overall score which were XXXX, XXXX, XXXX for my wife and XXXX. XXXX for myself. 
I communicated with XXXX XXXX and XXXX XXXX from XXXX XXXX to explain that my Medicare refused to pay some of my medical lab bills therefore the small debit amount appeared on my credit report. I informed the bank that I am willing to pay that debit if the bank will reconsider evaluating my loan application accordingly. For fairness the lender shouldnt take the lowest score out of five scores as a reason to deny our loan and kill our dream to buy the condo. 
We believe the Gentlemen did not promote the equal lending opportunity act. 
Attached some of our correspondence email
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

I've already submitted one complaint about the inability to pay. This complaint is about the lack violations of Truth in Lending and RESPA, but involves the lack of information ( rules, new terms, difference from prior loan, lack of payment stubs ) provided by the company when Shellpoint Mortgage took over the loan from XXXX XXXX XXXX on XX/XX/XXXX. Backstory is that I called to make 2 payments on XX/XX/XXXX, was told I wasn't in the database, called 10 days later as told, but was not allowed to pay because I was " behind 5 payments '', of which the 5th payment was the XX/XX/XXXX payment that I was not allowed to pay. The 4th was the XX/XX/XXXX payment that I was going to pay. I was told that I had to make ALL or NONE of the payment. I questioned why my RESPA 60 day time period was not being upheld, and have had no answer. TODAY, I called and was told something totally different- I was told in XX/XX/XXXX, I didn't have to pay all the mortgage that was behind, but only 3 payments, which we could have done. I HAVE NEVER RECEIVED ANY INFO regarding loan servicing standards, rules, payment options that were different, as above, than XXXX XXXX XXXX. I questioned to day via phone, and via email yesterday, why I was not sent any packet whatsoever, even requesting that early on, OR statements and I was told that it was because I had to request those from customer service. How can a company can take over your mortgage and expect you to abide by a different set of rules than the former company if you've never given a set of rules????? I was told I had to pay late payments, I questioned why now if XXXX didn't make me, and then was told it was her mistake and I didn't have to pay late payments. You can't expect to follow any rules if you've ever received them for ANY reason. That's a violation of TIL and RESPA.
Consumer complaint received 2023-06-10
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: Navient Solutions, LLC. (IN)

In accordance with the Fair Credit Reporting Act, NAVIENT has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-20
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. (AL)

This letter is in response to Transunion 's recent claim that the court verified the public record they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In compliance with this method of investigation request, please provide the following : 1 ) the description of the procedure used to determine the accuracy and completeness of the information 2 ) Name, address, and telephone number of each person contacted regarding this alleged account.

3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
Consumer complaint received 2022-01-25
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. (IL)

I sent out letters on XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not authorize these companies to pull nor access my credit report. These have not been properly investigated nor disputed. This is a direct violation of the FCRA.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the fair credit reporting act Accounts # XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

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 2022-05-20
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. (SC)

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 

15 U.S. Code 1681 Section 602 States I have the right to privacy. 

15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-20
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. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-05-20
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Finance of America Holdings LLC (CA)

My mortgage servicer is deliberately thwarting my efforts to bring my reverse mortgage current. A XX/XX/2022 sale date has been posted. The mortgage was called because XXXX XXXX funds assessed as property taxes on my home became delinquent. I could not pay {$28000.00} per year, especially after my job with XXXX ended. I was told that XXXX XXXX funding was not appropriate for reverse mortgage holders, and should not have been offered to me or the other reverse mortgage holders. There have been real problems, not just for me, because of this. My home is in a prime area of XXXX XXXX ; there is significant equity in the property. 

In XX/XX/2022, I applied for assistance from the XXXX XXXX XXXX XXXX. I was told I could qualify for as much as {$80000.00} ( a little more than half of the tax debt owed ). Because I monitored my application carefully, I learned XXXXXXXX XXXX that there was a specific program focused on reverse mortgages and that I should apply for that program. I did so immediately. 

That new application is now in an inactive status. I was told by XXXX XXXX XXXX XXXX representatives that my mortgage servicer, Finance of America Reverse, has never set up a mechanism to receive payment from the program. The Finance of America Reverse representatives I have spoken to since have individually and collectively referred me to XXXX, the funding source for all states ' mortgage relief program. Evidently Finance of America Reverse is not aware that the connection exists. 

I was told by several representatives for Finance of America Reverse that I was to send the money, without any further effort by the mortgage servicer. The company appears to refuse to acknowledge their clients in California need any assistance whatsoever, and are deliberately thwarting the benefits the XXXX program offers to all citizens. 

I have less than 17 days to stop foreclosure of my home of XXXX years. I want the sale date stopped. I will also appreciate fair reconsideration of my current mortgage.
Consumer complaint received 2024-08-15
Product: Credit reporting 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. (CA)

XXXX, XXXX 2024 I have been trying to get into my account with all three credit report companies XXXX, Experian and XXXX I have inquiries on my credit report from an unknown source and Im unable to get it off my credit report
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Account Details : Collections Agency : XXXX XXXX Amount XXXX Background : I had disputed this collections account with the credit reporting agencies, and it was determined that the account should be deleted from my credit report. However, I recently discovered that the same collections account has been re-added to my credit report. 

Request for Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the permanent deletion of the aforementioned collections account from my credit report. I believe the re-addition of this account is unjust and a violation of my consumer rights, and I seek your assistance in resolving this matter as soon as possible.
Consumer complaint received 2022-05-20
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: Avant Holding Company, Inc. (OH)

Unknown person used my Social Security Number and name to open a credit account with AVANT WEBBANK LLC. using a XXXX address - I have lived in XXXX for 30+ years Avant Webbank LLC refuses to close the account or provide any other ( of my ) personal information that was submitted to them to perpetrate this ID theft. 

Avant Webbank LLC will not cooperate except to require ME to provide endless forms and submissions- they also waited over 10 weeks to respond at all to numerous calls and emails. 

I even got help from XXXX XXXX XXXX XXXX XXXX - and Avant Webbank LLC refused to work with them as well - they have ignored or delayed any assistance I have provided Avant Webbank LLC my driver 's license ( XXXX  ), a utility bill ( XXXX  ) and many other documents
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit Reporting act XXXX Accounts with XXXX, XXXX, and Experian have violated my rights. 

15 UCS 1681 Section 602 States I have the right to privacy.

15 UCS 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for purpose.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I used the XXXX  system to make a payment of {$61000.00} on XXXX XX/XX/XXXX from my personal account in the XXXX to a US company for medical treatment. The US company is a customer of CapitalOne NA. 

Unfortunately, the account I sent the money to have been closed previously which I believe should have meant that the money bounced back to my account automatically as there was no account for it to be delivered to. CapitalOne have told me they do not recycle account numbers. However, this did not happen. 

CapitalOne asked for a hold harmless letter before the money could be returned and when my bank did not provide this, they ignored all other contact from my bank. 
I raised a complaint with the CFPB and on XXXX XXXX, XXXX Capital One replied to say that my bank should contact them at an email address provided. A phone number for a member of staff was also provided. 

I was very pleased and thought we would be able to get a resolution, so I sent this information to my bank and they contacted CapitalOne at the email address provided to query the exact requirements of a hold harmless letter so that they could send the required information. Emails were sent by my bank on XXXX XXXX XXXX, XXXX  XX/XX/XXXX and XXXX XX/XX/XXXX. My bank also phoned the number provided and left two messages on XXXX XX/XX/XXXX. 

I also contacted CapitalOne by email using the address provided on XXXX XX/XX/XXXX and by phone on XXXX and XXXX XX/XX/XXXX using the number provided, leaving messages on each occasion. 

CapitalOne however ignored these eight attempts to contact them and continues to hold onto my money. 

To summarize, CapitalOne NA did not follow the original XXXX instructions ( the money has never been delivered to the account specified ) and other than responding by letter on XXXX XX/XX/XXXX regarding my first CFPB complaint, has ignored mine and my banks attempts to resolve this and as a result have kept my money for medical treatment since XX/XX/XXXX.
Consumer complaint received 2022-05-20
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. (CO)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-20
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: National Credit Adjusters, LLC (TX)

The creditor NCA was unable to proof the original contract with my signature on it, after sending a debt validation letter on XX/XX/2022 After they have reported 2 account on my records, and stated to dispute to the credit companies. As of today NCA has failed to dispute to all 3 credit bureaus, after their response on XXXX/XXXXXXXX 
violation 15USC 1681s2 responsibilities of furnisher of information to consumer reporting agencies. 
Account # XXXX {$140.00} {$560.00}
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  ( XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15usc 1681 section 602 states i have. the right to privacy.

15usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late For a purpose.