davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
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. (FL)

I have sent this company numerous letters and spoke with a rep to have the account removed due to the pay to delete agreement we made. The collection company has removed the negative remarks from my credit report but XXXXXXXX XXXX fails to uphold their agreement or respond to the certified letters/ requests Ive sent over to their company. This has been going on now for over a year and yet they fail to removed the account from my report.
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Onity Group Inc. (PA)

My mortgage contract allows the rights to request cancelation of the PMI when my principal balance reaches 80 % of the value of the property. PHH, which currently serves as my mortgage provider, is denying my request for cancelation despite their own assessments demonstrating that my loan to value ( LTV ) is at 79.76 %, which is less than 80 %. The reason provided was that the LTV needs to be 75 %. This constitutes as fraud since it goes against my contract and I never agreed to these changed terms. 
Moreover, I contest the reasons provided in their denial letter by the following : XXXX. The average price between all of the comparable homes used for the assessment was {$690000.00}. There is no reason why only the first comparable home price was used to make the assessment. 
XXXX of the comps listed homes that do not include the $ XXXX in improvements. 
XXXX. This comps assessment was not done utilizing a direct comparison of the house across XXXX XXXX at XXXX XXXX XXXX listed at {$740000.00} and is currently under contract. 
XXXX. The letter states that the closing date on the account was more than two years from the assessment date and therefore the 75 % LTV requirement applies. This is not true. The original settlement date was XX/XX/XXXX and the date of the assessment was XX/XX/XXXX. Therefore, their rationale was based on incorrect data.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The transunion web site includes an area where a user can change the status of a credit freeze. I have been freezing my credit for over XXXX years now. Everytime I attempt to change the status of my freeze with transunion, I receive the error message indicated in the screen shot. I always have to call to make the change. The wait time and subsequent change with the call center usually takes over an hour.
Consumer complaint received 2024-09-08
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: DISCOVER BANK (PA)

Discover financial services Date : XX/XX/year> Account status is being reported as negative. 
I did not give authorization for this hard inquiry that is being reported on my account. This account is only being reported on my experian credit report. It is not being reported on XXXX or XXXX bureaus making this inquiry invalid.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

We were foreclosed on by NationStar Mortgage last XX/XX/XXXX. We were denied our due process rights by them. We were in a loan modification process with them when I was told that we had been denied. NationStar told us not to make any payments during this time frame as it would only XXXX up the process and would take more time to complete. I called Take XXXX XXXX, a credit counseling company, that I had been working with and asked, " What do we do now? '' They said not to worry, the state of Arizona has a program for this scenario where they make up the past due amount and the loan resumes as if nothing had happened. We just needed something in writing from NationStar stating we had been denied. 

I continued to call them every week to check the status of our property and the notification of the denial and to see if a sale date had been set yet. I kept getting told that things were " On hold. '' In XX/XX/XXXX a woman came to our front door and said she was the new owner of our house. This came out of the blue with no notification at all. If we had received something in writing this would have all been averted. We never received a thing in writing from them. We were evicted!!! 

I am realtor and just found out about your agency in a continuing education class this past week. Please help us, ASAP!! We are now in a rental and our landlords are also mortgaged with NationStar, they are in an interest only loan and want to refinance it at current interest rates but are being denied that option. Our landlords have told us they need to have something setup by the end of XXXX to allow us to stay here. I was recently hospitalized for XXXX, XXXX and a XXXX. I was involved in a XXXX car crash on the freeway shortly thereafter and have been under the care of a XXXX for XXXX and XXXX. Any move in the future would simply kill both of us. I am XXXX and my wife is XXXX. 

We had owned the property in XXXX for 20 years. It was always kept in pristine condition and that is same way we are taking care of this home now.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (GA)

Ive contacted various places, XXXX XXXX XXXX XXXX XXXX  and various of other phone calls. 

Due to receiving emails on XX/XX/XXXX of a data breach, and that my information has been compromised, and previously to current potentially a victim of identity theft. One as a consumer would use the 15 U.S.C. 1681, which is a right to privacy. Due to a lot of these creditors and companies selling to other companies doing unlawful things by getting my information is a violation, and seeing that I have not given out my information they should have consequences.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I filed XXXX complaints against Transunion, XXXX and XXXX for XXXX  and for intentionally keeping my credit score low. These complaints are still in progress. I believe that Transunion may have intentionally lowered my credit score by XXXX points today as a possible retaliation for me filing these XXXX previous complaints with you and am requesting an investigation into my complaints.
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (MO)

I am writing to formally dispute and request corrections for several inaccuracies on my credit report. I recently reviewed my credit report and noticed several discrepancies related to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX an accounts which has XXXX impacted my credit history. The inaccuracies include late open, late close and charge off which needs to be corrected or removed : XXXX XXXX  XXXX XXXX : {$530.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as agreed and I never missed a payment. Please update it immediately. 
XXXX XXXX XXXX XXXX Balance : {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX XXXX XXXXXXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX XXXX XXXX : {$0.00} The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

The accounts has been reported as a charge-off, which is not accurate. I have never allowed the account to reach a charge-off status, and there should be no such negative status associated with it. 

I kindly request that you investigate and rectify these inaccuracies promptly. To assist you in your investigation, I have enclosed the following documents : A copy of my credit report highlighting the inaccuracies. 
Documentation supporting the correct opening and closure dates of the account. 
Evidence showing that the account has never reached a charge-off status. 
I understand that correcting these errors is essential for maintaining an accurate credit history, which directly affects my financial well-being. I kindly request that you take immediate action to investigate these discrepancies and make the necessary corrections as per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, you are required to investigate the disputed information within 30 days and inform me of the results. If the information is found to be inaccurate, I request that you provide me with an updated credit report reflecting the corrections made.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Demand for Removal of Incorrect Bankruptcy Public Record from TransUnion, XXXX, XXXX Dear FCPB Complaint Department, I am writing to demand the immediate removal of a bankruptcy public record that has been incorrectly reported. XXXX has already removed this record as requested, but TransUnion, XXXX, and XXXX have not complied. This inaccurate information is severely impacting my ability to obtain credit. 

Per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ), any negative information on a credit report that is inaccurate or outdated may not be used against the consumer in determining or denying access to credit. Additionally, both the Bankruptcy Court of Delaware and the Bankruptcy Court of Colorado have explicitly clarified that they do not report to any credit bureaus. It is considered fraud for any third party to report such information without the consumers written consent. 

Furthermore, all public reportingincluding public records, registrations, property records including court and traffic citations, and credit usageis not authorized without the consumers explicit written consent. As a consumer, I am entitled to a credit score of XXXX across all bureaus at all times. 

Given that this record is incorrect and may have been reported fraudulently, I demand that TransUnion, XXXX, and XXXX remove it immediately to prevent further harm to my creditworthiness. 

I also seek compensation for the harm caused from XXXX to the present. I was specifically denied a credit line from XXXX XXXX on XX/XX/XXXX due to this erroneous bankruptcy record. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (AZ)

I am attempting to get a corrected statement from Pioneer Recovery collection agency in regards to a judgement of restitution by XXXX XXXXXXXX XXXX XXXX One of the debts included in their total is filed as a debt three times, which I have brought to their attention. Their original letter sent for collection of debt shows a total balance of {$18000.00}. I also wanted to have a details on which debts monies collected were applied to The company has sent " proof '' of the correct amount, which I received in XXXX, and totals {$9300.00}. I subsequently sent a request for a corrected statement showing the correct balance of {$9300.00}. 

Dated XX/XX/2024, I received a new statement, indicating the current balance is {$17000.00}. 

I am attempting to pay this debt off, but can not get any assistance from this company, Pioneer Recovery. I have all correspondence and documentation to support my attempts to get this in order, including all certified mail receipts. I will be happy to provide all communication.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have 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 on payments for my account at XXXX XXXX, Account Number XXXX Pursuant to FDCPA " Late payments must be verified/ validated prior to them being placed on your report '' so Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2023-09-15
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. (PA)

Hey, I've been disputing fraudulent and inaccurate information on my credit report for over 30 days now. I haven't heard back from the credit bureaus or creditors who are furnishing this improper data on my report. I've also noticed miscellaneous inquiries on my credit report, accounts that say " closed '' yet are in collections, and reporting late payments. My next step was to contact CFPB and legal counsel for the credit agencies who are being negligent by illegally reporting False, Fraudulent data on my credit report.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have 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 on payments for my account at XXXX XXXX XXXX XXXX XXXX  Pursuant to FDCPA " Late payments must be verified/ validated prior to them being placed on your report '' so Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance Owed : {$440.00}, XXXX  XXXX XXXX Balance Owed : {$310.00}, XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$440.00},
Consumer complaint received 2023-10-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (AL)

I thought I was talking to a high school Class mate on XXXX XXXX. She was offering XXXX trading. So I invested some money to try to make alittle money. XXXX XXXX. Come to find out her XXXX was hacked and these people are scammers. I transfered sums of XXXX and then XXXX  and XXXX  because I was told I had to be invested XXXX to withdrawal. Now I have been trying to withdrawal and its the run around. They want me to pay to withdrawal my money. I contacted my bank and they put the transactions into a process where they will give me my money back due to authorized push payment policy. Which is taking forever.
Consumer complaint received 2024-09-07
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: TomoCredit Inc. (AZ)

I paid XXXX dollars for XXXX months of service to provide credit history of a tradeline from this business. In XXXX I believe. By XXXX I had not received any tradeline history to my credit report on any bureau. This business advertises that they will report history of bills to your credit report and depending on the level you choose that affects the amount they are supposed to report to the bureaus. I paid for the highest tier for XXXX months a little over XXXX  days. With no reporting being made to my credit report. I asked the company to return my money because the service advertised was not rendered. I might have used the word " refund '' however they were aware of what I stated when I asked for that " refund ''. It's not a refund because I never received the service from this business, or being dissatisfied by that service because it was never received. This is a breach of the contract due to never receiving the service. It's injustice enrichment and I am asking for my funds to be returned for the never provided service. If the tradeline was reported to the bureaus there will be proof of such from the business. I would also like to state XXXX  days would have been the max to have a consumer report being reported from a company if anything was sent to the bureaus.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 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 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. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  pandemic during the covered period.
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PLANET HOME LENDING, LLC (TX)

To Whom It May Concern : I am writing to file a formal complaint against Planet Home Lending for placing inaccurate information on my consumer report and for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, Planet Home Lending appears to be operating without proper registration as a third-party debt collector with the Texas Secretary of State, which is required by Texas law to legally collect debts in the state.

Complaint Details : 1. Inaccurate Information on Credit Report : Planet Home Lending has placed erroneous information on my credit report, indicating an alleged debt.

2. Failure to Comply with FCRA and FDCPA : Planet Home Lending has failed to comply with the FCRA by not conducting a reasonable investigation and by not providing me with the required validation of debt. Additionally, the companys actions violate the FDCPA, as it has engaged in misleading and deceptive practices by reporting an alleged debt.

3. Non-Compliance with Texas State Requirements : Under Section 392.101 of the Texas Finance Code, a third-party debt collector must obtain a surety bond and file it with the Texas Secretary of State. Upon review, I found that Planet Home Lending is not listed in the Secretary of States database as a registered debt collector, suggesting that they are unlawfully operating in Texas without proper authorization. 


I have attached copies of all relevant documentation, including evidence of the companys non-registration and correspondence regarding the inaccurate information on my consumer reporting. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX All Rights Reserved.
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc. ()

blockchain.com has locked my trading account worth {$10000.00} in USDT for weeks now. I have provided all documents they claim i need for verification to upgrade the account, but they have still not unlocked the account so i can get my money back. i have contacted them severally and i am frustrated as they seem to purposely spam me with an automated response
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (MD)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>