davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (MD)

Newrez, mortgage servicer, has changed the LTV criteria for removing PMI from my loan several times. I requested the criteria for removing PMI from my loan in XX/XX/XXXX. Newrez stated for mortgages where the owner has made significant improvements, the LTV criteria for removing PMI would be 80 % or less. I sent correspondence to Newrez substantiating my more than {$210000.00} worth of improvements and the fee for the XXXX. XXXX came back in XXXX that resulted in my LTV being 76.5 %. However, Newrez stated my LTV for a Fannie Mae loan had to be 70 %. I appealed the decision because this was not in line with the HPA, XXXX XXXX servicing guidelines, or the criteria they gave me in XXXX. I called customer service on XX/XX/XXXX for a status update and the customer services representative stated I was denied because in order to remove the PMI the LTV had to be 75 %.
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (IL)

I noticed unauthorized inquiries on my credit report. I contacted Equifax to report and request the items be removed but they refused and told me I needed to have a police report. My city do not issue police reports for unauthorized credit inquiries as no accounts were established. There are three inquiries that were not authorized by myself as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-02-21
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

on XX/XX/XXXX I requested access to view credit reporting disputes was sent a link but when opening link and providing requested info such as user name and password the response was inaccurate password or user name after changing password several times through the last 5 years to 10 years plus the response has always been inaccurate password even when changed within minutes. when entering my email address or user name the response is always this username is already in use. I have contacted Transunion on several occasions only to have automative system redirect me to the link that does not allow me access to the account last attempt to chat with virtual agent on XX/XX/XXXX the agent kept sending the same computer generated questions when I answer agent will resend questions again and repeat until either they state that they are now closed or I give up after several hours I spent XXXX hours on XX/XX/XXXX trying to get into Transunion account. I was also told that I must pay a fee of {$8.00} to access score and credit report by mail but automative system clearly states at the beginning of call that under federal all consumers are entitled to a free credit report and score due to XXXX after stating this Transunion locked my account for inaccurate info provided which is not true.
Consumer complaint received 2024-06-28
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. (DE)

I reviewed my consumer reports and notice that I have 1 late payment on an account I was never late for. The consumer reporting agencies assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late for the account listed in the screenshot inside this complaint in on date XX/XX/2021. Please investigate and provide statements showing that this payment was late. If proof can not be provided, I demand this late payment be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks, please see screenshots attached :
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Inaccuracies reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for {$830.00} on XX/XX/year> .. to XXXX, Equifax XXXX and XXXX credit bureaus XXXX After I filed disputes, an investigation by XXXX was conducted, and creditors verified that debts were mine. These are not my debts. I dispute these findings, and am requesting the following : Debt validation proof, detailed list of payments on account, my signature on said account contracts, any insurance claim filed on debt, proof of chain of title to collect on debt, in Accordance with 15USC 1692 G. I also dispute a Hard Inquiry on my Credit Report By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
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: EQUIFAX, INC. (AZ)

XXXX and Equifax continue to report information that I have requested to be fully verified and removed flor lack of proof. I requested on multiple occasions by mail online and over the phone they could not fully verify my information according to the law with a contract, signature, ID with my name on it proving the debt belongs to me, and a contact of the person they spoke with. They keep verifying the Bankruptcy however it is not verifiable. Bankruptcy Rule 9037 Privacy Protection For Filling with the Court and Privacy protection Act of 1970. Violation 5 USC 552a & 31USC 3711 ( e ). No one can call the court and ask for the information and the information online is redacted meaning no information can be verified. So they can not keep claiming the debt as mine when they can not verify the debt. They are also posting Charged off debt. According to the IRS Topic 431 Canceled Debt, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount owed, the amount is taxable. if taxable, you must report the canceled debt on your tax return for the year it is canceled. According to the FCRA of 1970 Law 15 USC 1681-1681x Income can not reported on your credit profile. So for that reason all of my charged off accounts must be removed according to FCRA.
Consumer complaint received 2024-06-06
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. (TX)

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. 
I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. The following items should be remove as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$750.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance XXXX {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00}.
Consumer complaint received 2024-02-21
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: BARCLAYS BANK DELAWARE (NC)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and North Carolina Laws Dear BARCLAYS BANK DELAWARE, I am writing to address a serious concern regarding the unauthorized reporting of information to my credit report, as protected by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), North Carolina Identity Theft Protection Act, specifically Chapter 75A of the North Carolina General Statutes.

It has come to my attention that BARCLAYS BANK DELAWARE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a necessary requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, North Carolina state law, particularly Chapter 75A of the North Carolina General Statutes, reinforces the requirement for consumer consent for credit reporting. This legislation aims to protect individuals from identity theft and unauthorized use of personal information.

I assert with certainty that I have not provided consent for BARCLAYS BANK DELAWARE to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and could potentially damage my creditworthiness, in clear defiance of federal and state laws.

I demand that BARCLAYS BANK DELAWARE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Chapter 75A of the North Carolina General Statutes. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including North Carolina identity theft protection laws.

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I expect immediate attention to this matter and urge BARCLAYS BANK DELAWARE to rectify these violations promptly, respecting my rights under federal and state laws.

Done in good faith.
Consumer complaint received 2024-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (OR)

My mortgage company, Mr. Cooper ( also known as XXXX XXXX XXXX ) has turned out to be difficult at best to work with. I went through a XXXX  XXXX Bankruptcy and my mortgage was sold off to them from the original lender, XXXX XXXX XXXX. I have paid back all of the money I owed during the bankruptcy and it has been closed/discharged by the Bankruptcy Trustee XXXX XXXX XXXX XXXX XXXX My issues are as follows : 1. I am enclosing a copy of my XX/XX/XXXX statement. Which did not match the amount owed to them. On the statement it clearly states that of {$9600.00} cents owed from the bankruptcy only {$7700.00} has been paid with a balance owing of {$1800.00}. Attached if my letter from XXXX XXXX, the trustee, showing the entire amount has been paid to them, payment dates, etc and they still haven't credited the amount. 

2. My statement from them usually get here 3 to 4 days before the payment is due on the first of the month, yet they immediately added on a {$70.00} late fee on the first when the mortgage we signed has a 15 day grace period. 

3. One can never talk to a person there on the phone. The automated system is such that it is confusing and never being able to speak to a live person is not helpful at all. 

4. At the very end of the bankruptcy, there was a " surprise '' {$900.00} '' charge in addition to making all my payments back to them. Shouldn't this have been disclosed when they settled on the amount owed at the beginning? 

5. They are now demanding an additional " Escrow Payment '' of {$980.00} before I can make my regular monthly payment on the first of XXXX. I received a letter from them stating my payments were going up about {$85.00} a month to cover this escrow, but now they are demanding it all upfront. 

No where on their monthly statements did I find a " RESPA '' address to file a complaint with, which is my I'm using this system. 

Any help would be greatly appreciated, as this company is known for outrageous fees. This is from their last lawsuit " A federal judge gave preliminary approval for a {$3.00} XXXX settlement in a class action case against Mr. Cooper over allegedly charging borrowers " exorbitant pay-to-pay fees. " XX/XX/XXXX '' and I'm being fee 'd to death. 

Thank you for any help on this matter.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I sent out a USPS-certified Notice of Dispute letter to Synchrony Bank . Here is the tracking number XXXX. With my credit report cause I notice there was inaccurate and missing information being reported on my credit report. I received a letter back from Synchrony Bank on XX/XX/XXXX reinsuring me that they reviewed my account and verified it is accurately being reported. 

On XX/XX/XXXX I pulled my credit report again to see if there is still inaccurate and missing information being reported on my credit report. The account number is not being reported accurately. On Account Type - Details they are reporting on XXXX as a charge off but on XXXX it's reporting as incomplete. On Account Status it's being reported on both credit bureaus as " Paid '' but still reporting as a charge-off. The date opened is inconsistent between both bureaus. High Credit is being reported as inconsistent. The credit limit is being reported as inconsistent. On XXXX, it is being reported as " Last Reported " on XX/XX/XXXX, and on XXXX is being reported as XX/XX/XXXX even though I sent a certified Notice of Dispute on XX/XX/XXXX. The last day active and the date of the last payment are inconsistent across both credit bureaus. Payment history is being shown as incomplete and inconsistent.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (PA)

15 U.S. Code 1666 ( a ) Time to make payments A creditor may not treat a payment on a credit card account 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

15 U.S code 1681B Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer.
Consumer complaint received 2024-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute unauthorized inquiries that have been reported on my credit report. Upon reviewing my credit report, I have identified the following inquiries which I did not authorize. Inquiry Information : Inquiring Company XXXX XXXX XXXX Date of Inquiry : XX/XX/year>
Consumer complaint received 2024-06-22
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: EQUIFAX, INC. (AZ)

Thank you for promptly correcting some of the negative information on my credit file. However, there are still accounts that need to be repaired. I request the immediate correction of all inaccurate information associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA (GA)

On XX/XX/year> I signed a RETAIL INSTALLMENT SALE CONTRACT to purchase a brand-new vehicle from XXXX XXXX XXXX with Hyundai Capital America doing business as Kia Finance America financing the loan. I was under the impression that Kia Finance America gave funds on my behalf to purchase the Vehicle. When I contacted XXXX  XXXX XXXX, I was told that the establishment was under new ownership and no longer has any records of the purchase. I did further research and found that there was already a debt associated with the vehicle and the debt in fact belongs to Hyundai Capital America. They actually transferred the debt to my name and never finance any loan. The debt tied to the lien on the vehicle 's title does not belong to me. I asked for proof of how the loan was paid out to the dealership and did not receive any correspondence. I believe that the company has used false and misleading language and advertisement to get consumers to sign over their security interest under the false pretenses of " financing a loan ''. I am left with a debt that does not belong to me. I did not receive any valuable consideration in exchange for the security interest that was transferred to a trust. I believe this company is committing Securities fraud and I have proof of a prior lien on the Vehicle 's title before ever signing a contract. I was not made aware that I would be paying a debt that does not belong to me in exchange to use the vehicle. The proof also shows that they have been doing this fraudulent activity with all of their consumer contracts.
Consumer complaint received 2024-06-28
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. (TX)

Dear XXXX XXXX XXXX, I am writing to you regarding the matter of Account Number : XXXX As a consumer, I am invoking my rights under the Fair Debt Collection Practices Act, specifically under 15 U.S. Code 1692c.

a ) Communication with the consumer generally : I do not grant my prior consent for any further communication from you, either directly or indirectly, regarding the collection of any debt. Henceforth, I demand that you cease any such communication with me. 

b ) Communication with third parties : You are not authorized to communicate with any third party regarding the collection of this debt. I have not granted permission for such communication, and I insist that you adhere strictly to this provision of the law. 

c ) Ceasing communication : I am formally notifying you in writing that I refuse to pay the debt in question, and I request that you cease all communication with me concerning this matter. Your compliance with this request is expected without delay. 

Furthermore, I demand that you cease any detention or reporting of my consumer report in connection with this debt. Any such action would constitute a violation of the law, and I expect full compliance with the Fair Debt Collection Practices Act. 

This letter serves as a final notice for you to cease all communication with me and any detention or reporting of my consumer report, as mandated by law. Failure to adhere to these legal requirements in any future communication will be considered a violation of the Fair Debt Collection Practices Act. 

Sincerely, XXXX XXXX