davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (PA)

During XXXX on 2023, Mr. Cooper purchased my mortgage from XXXX XXXX. I was in the process of removing PMI with XXXX, and continued the process with Mr. Cooper. 

The XXXX came to my house, did an interior/exterior appraisal, and then asked what amount I needed to remove PMI. I told the XXXX a number and they smiled and said " oh that won't be an issue ''. 

On XX/XX/XXXX, I received a form letter with the notice of appraisal and denial of my request to remove PMI. The appraisal was artificially low, did not include a number of upgrades that had been completed, and including comparisons that did not match the neighborhood and traits of the home in question. 

After speaking with Mr. Cooper on XX/XX/XXXX, I was told to appeal to XXXX. 

On XX/XX/XXXX, I sent my appeal to XXXX. 

I had no response for XXXX weeks. On XX/XX/XXXX, I called Mr. Cooper. They advised that no movement had occurred on my appeal, and to wait. 

On XX/XX/XXXX, I called Mr. Cooper. They advised that there was again no movement on my appeal, and to wait. 

Through social media, I received contact from Mr. Cooper. They advised my appeal would be reviewed. 

On XX/XX/XXXX, I received the same form denial letter I had received more than 2 months prior. I called Mr. Cooper ( whose phone tree is impossible to get a person on ) and was advised that they did not consider the mistakes or errors on the appraisal I submitted. They told me I could again appeal, that it would not likely change any outcome. 

Mr. Cooper intentionally designs their phone tree to discourage individuals from reaching a human. In more than 2 months of waiting, there was no movement on my case. It was only through my repeated efforts that I received any communication from Mr. Cooper. 

I do not know why they did not consider any information I provided, I do not know why they did not communicate with me about my appeal, I do now know how they arrived at the decision they did, and now they have charged me {$450.00} for an appraisal that is deficient, and have not communicated at all. 

I would never engage with Mr. Cooper if I had the chance again, and everything about them feels predatory.
Consumer complaint received 2024-05-30
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. (FL)

Please be advised, you are currently reporting incorrect information on my credit reports. I have recently took XXXX XXXX XXXX to arbitration/federal court due to the same errors made on my credit reports and due to their failure to conduct reasonable reinvestigation and follow reasonable procedures to ensure maximum accuracy. As a result those accounts were removed promptly ( see attached ). Failure to comply is will noncompliance and willful negligence in which I will have to take legal action. Ive experience damages such as credit application denials, emotional and mental distress and in therapy. This is my final attempt to settle this matter outside of litigation.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, XXXX, and TransUnion are reporting inaccurate information on my credit report. All three agencies have a different date opened for XXXX XXXX account # XXXX. Also, the high balance and the credit limit are not accurate. The last date reported is also inaccurate. The date of the last active is also incorrect, as is the date of the last payment.
Consumer complaint received 2023-11-07
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. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I am writing to dispute and request the immediate removal of an unauthorized and fraudulent collection account that has recently appeared on my credit report. This account was not previously known to me, and I am deeply concerned about its sudden appearance without any valid verification. 
Account Information : XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
I have thoroughly reviewed my credit report and was alarmed to discover the presence of the aforementioned collection account, which I have never authorized or had any dealings with. This unauthorized entry has the potential to severely impact my creditworthiness and financial standing, and I am determined to rectify this situation immediately.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXXand XXXX XXXX XXXX ; INQUIRIES XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXXXXXX XXXX Inquiry Date XX/XX/2023 and XXXX XXXX  Inquiry Date XX/XX/2023.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts I have made to rectify the issue of fraudulent items on my credit report associated with your institution. 

Over the course of the past, I have diligently followed the prescribed procedures outlined by your organization for disputing fraudulent items on my credit report. Despite my repeated efforts, these fraudulent entries persist, causing significant distress and concern for my financial well-being. 

I have attached copies of the documentation supporting my claims, including but not limited to fraud alert requests, dispute letters, and any other relevant communication. This includes reference numbers, dates of communication, and any pertinent evidence that may aid in the expeditious resolution of this matter. 

It is disheartening to experience such difficulty in removing fraudulent items from my credit report, especially given the potential negative impact on my creditworthiness. I understand the importance of accurate reporting and the potential consequences of fraudulent entries on my financial profile. 

I implore you to conduct a thorough and urgent investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I request a comprehensive explanation of the circumstances that have led to the persistent presence of these fraudulent entries and assurance that steps will be taken to prevent their recurrence in the future. 

If this matter is not resolved promptly and to my satisfaction, I may have no choice but to escalate my complaint to relevant regulatory bodies and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIRSTBANK PUERTO RICO (PR)

Current creditor, First Bank of Puerto Rico, referred the auto loan account to XXXX XXXX XXXX without sending a self-help letter. I received a call this week and I explained this was the first communication directly from the bank since the previous call I received from XXXX a few days ago in which I was harassed. The payoff balance was {$2300.00} approximately due to late fees and interest charges ; all car loan installments were paid. I offered the bank the amount of {$1000.00} during the call and requested a few days to gather the rest of the money but they refused and insisted that I had to pay off at that moment or release the car voluntarily to the bank. On XX/XX/2020, the bank sent a self-hep letter and was received at my address on XX/XX/2020. After receiving that letter, I called the bank and explained again the reason for the outstanding balance and late payments, the bank 's employee stated at that time that she was unable to assist me, that it was correct that the account was assigned to XXXX XXXX XXXX and that if I did not have the money to payoff I had to release the car to the bank. My response was that I was not going to release to the bank a car that has been already paid off and that the remaining balance corresponds to late charges and interests. I advised them that I would not authorize the external adjuster to enter my residence premises. The employee stated that in that case the external adjuster would visit my house and if unable to repossess the auto, would go to the nearest police station and ask for assistance so they could force me to release the car. I responded that is illegal under Puerto Rico 's laws and this was not a criminal case. I explained to her that for the Police to enter my property, they need an order from the court ( also it may include a lien or an attachment ). She replied that was not correct and that she was informing me of the correct procedure and the process performed by the bank in such cases. The methods used by the bank to collect the money owed are unfair especially when I paid {$1000.00} this month and offered to pay the rest of the balance in {$400.00} installments and they refused. This is not the first time this bank handles an auto loan like this, it has happened with other auto loans I had with them.
Consumer complaint received 2024-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing Account Number : XXXX Property Adress : XXXX XXXX XXXX XXXX CA XXXX Currently, Select Portfolio Servicing made an incorrect tax payment on my property some time ago, and it took nearly XXXX months for them to rectify the issue. During this period, they mistakenly issued regular payments of {$7000.00} and then {$8000.00}, until they finally adjusted to the correct payment amount of {$5800.00}. This error occurred because they were unaware of the correct tax amount for the property. As a result, they reported late payments on my credit report, which they have refused to remove with the late fees. Also, got late notices on behalf of the XXXX XXXX they did not pay taxes. It has a hassle to get them to understand the situation because they said it was paid where i was getting late notices. Does make any sense. 

Additionally, I receive my salary on the XXXX of each month and requested to change my payment due date accordingly. However, they declined, citing restrictions from the investor. I'm not fully versed in legal matters, but this situation doesn't seem right to me. I need assistance in addressing these issues and ensuring the company adheres to proper procedures. Understand that we don't much time in the day with my family and these matters at the same time. Thank you.
Consumer complaint received 2024-07-30
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. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-30
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. (FL)

I sent my dispute to Experian on XXXX XXXX in regards to some inquiries on my consumer report that I didn't give permission nor they have permissible purpose to pull my consumer report under 15 U.S.C 1681 b ( a ) 3 ( f ) ( i ). And there was no extension of credit between us. Experian returned my letter of dispute for those inquiries on my consumer report as undeliverable mail as addressed. The address on the envelop mailed to Experian is the correct address.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently reviewed a copy of my credit report this month XX/XX/XXXX and noticed XXXX XXXX XXXX XXXX XXXX XXXX on my report since XX/XX/XXXX. I have never had these services, nor applied for them in the past
Consumer complaint received 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I submitted a complaint, escalated this to the Ombudsman Group, and contacted both Nelnet ( my servicer ) and XXXX. Last time I called, I was hung up on by XXXX. I requested information about the status of my teacher loan forgiveness application. 

I submitted my application and it was approved by XXXX on XX/XX/. I call Nelnet for a status update and they say to call XXXX. I call XXXX and they say to call Nelnet. I need my {$17000.00} forgiven because I paid everything up until that number, and now interests keep accruing and I have to keep paying it off. My payments are still due but I feel that my loans should already be forgiven. It's been months and much longer than the date they said they should address it by. 

They refuse to respond to my complaint and even hang up on me when I try to call.
Consumer complaint received 2024-05-30
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. (TX)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-30
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. (NY)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2023-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened an automobile loan with Bank of America on XX/XX/XXXX, and the account was added to my mobile banking. 

I have a payment method already added to my Bank of America ( XXXX ) mobile banking app. It is an external account that is linked to my Bank of America credit card. 

When I attempted to pay this bill online several weeks ago, it gave me a message that no bills were due, and there was no option to add the auto loan as a payee from my existing external bank account mentioned above. So I waited. Then, on Friday XX/XX/XXXX I checked again and had the same message. I figured the option to pay, then, would show up once the due date of XX/XX/XXXX had arrived -- but it didn't. 

I successfully reached a representative through their social media messaging ( XXXX ), but while waiting for a response to the problem, I went online on a DESKTOP and manually applied the payment amount due, which was posted on XX/XX/XXXX. 

I did eventually get a response and had already explained what was going on, so I further explained that I completed a payment online and no longer needed help. However, when I checked today XX/XX/XXXX, I could see that the payment posted ( both on the app and my Banking app ) was not applied to the automotive loan, even though I specifically arranged the payment to be applied to the automotive loan. 

Today XX/XX/XXXX I was able to speak with a representative who assured me that my payment would be posted to the auto loan account appropriately, once everything had been processed and the payment had cleared my financial institution. 

Despite this resolution, the representative was still unable to give me a clear explanation about why the payment process was so difficult or why my loan did not show up as a qualifying payee account through the mobile app. 

Since there is the potential for others to run into this problem and face late charges as a result of this problem in the XXXX mobile app user interface, I believe it should still be documented and Bank of America should take measures to correct the issue. Please note that this may have something to do with their " eBill '' system, and you can see in the attached photo that I never received one from Bank of America.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.