davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (CA)

I started my loan modification in XXXX of 2024, PHH Mortgage company who is servicing the loan with XXXX. PHHXXXX has been so difficult to work with they have given me the run around for the past 5 months. Several times I've had to upload Financial information and saying documents weren't signed on the paperwork. Phone call, after phone all agents say the same thing, if so frustrating. One of the biggest struggles is with the language barrier of the customer service or relationship managers. They we'll never let you speak to a manager or supervisor and I feel like they just read off a script of what they need to say. I've gone round and round with this company and they are doing nothing to help.They just keep pushing things back to buy them more time and In return pushing me back further behind with payments. The last phone call and I spoke to supervisor and I explained my entire situation. I even told her that I would be willing to make XXXX payments of my mortgage and she said I have to do the unpaid balance. How is this legal for them to deny payment from me. Also, question when Owcen sold my loan to PHH and then in return went to XXXX why did they not send documentation sign from me as the customer. 
Just trying every way possible to get some resolution from these XXXX mortgage lenders in helping me out. They have the worst customer service, they give you emails and then never respond to you. I don't know how that's legal when it's on their documentation. On my denial for my low modification they gave me information that does not even pertain to helping me in my mortgage loan again how is that legal. If I could just at least get some answers here on from the company or from this review or to see how they're willing to help. Homelessness is a real thing and I'm a single mother of a XXXX son who's been in my home for XXXX  years.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-01-26
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. (IL)

I'm writing my complaint to TRANSUNION about the fraudulent and inaccurate information on my credit record that are not genuinely consistent, demonstrated substantial, or recorded as completely evident and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX, XXXXThe FTC report number related with this protest is XXXX. I have perceived likely tricky and verifiably questionable dissent declared demands on my credit record that have no admissible or endorsement settled on by my person of decision. Within my federal and state consumer and/or civil rights, I am entitled to demand and/or compel you to remove/correct them as soon as possible. I'm submitting this complaint to check the guarantee that the specific things you are detailing are in consistence with FACTA Title 1 Segment. 151 that unambiguously obliges a depicted of the modus.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX account # XXXX ) I am Attaching identity and proof of address. Also, there are several inaccuracies reporting on this account
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The status of my credit report is causing me considerable distress, and my disappointment runs deep. It is not only highly embarrassing, but it is evident that either you or the company is at fault for reporting this inaccurate information. I have consistently made on-time payments, and I have never experienced any delays. I request the prompt removal of any notations of late payments, with an immediate update to the status as " paid now '' or " as agreed. ''
Consumer complaint received 2024-08-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Procollect is attempting to collect on behalf of XXXX XXXX. I have proof, police reports and text messages from landlord of XXXX XXXX, XXXX XXXX, advising I was granted early termination from lease without penalty due to XXXX  XXXX. 
Per Texas penal code, A survivor of family violence as defined by Section 71.004 of the Texas Family Code can terminate their lease early my landlord allowed me to leave and advised no penalty via text, and also advised my full ledger was sent to me via email in a text which I have attached. 
I spoke with procollect, XXXX XXXX states he is a manger of procollect and advised my validation of debt request will not be reviewed and I must pay the debt. I have requested validation of debt over 60 days ago. I have also provided pro collect with the police report, texts from landlord and the full ledger sent to me at move out from XXXX XXXX advising I did not owe and the supported reasons for why lease was termed. 

Pro collect is still sending this balance to all three credit bureaus and is reporting it as an open collections, which is an error as well. This is impacting me Tremendously and needs to be removed for I do not owe this balance. Per XXXX XXXX  landlord I only had to pay XX/XX/year> since I was moving out by XX/XX/year> and she granted release from contract with no penalty, which I did pay XXXX rent. The landlord is falsely claiming rent debt now and damages and I have video walk through of unit showing no damages and emails, text etc showing I would not be penalized for remaining lease terms due to domestic violence.
Consumer complaint received 2023-12-13
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. (NJ)

XXXX XXXX XXXX  I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX XXXX  This doesn't belong to me. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX This is not accurate. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In my efforts to avoid identity theft, clean my credit and bring my information up to date, I explained to Transunion that the XXXX in between my first name and last name is not valid, Transunion has ignored that and everytime I get letters from them, my name is written XXXX XXXX XXXX I sent driving license, social security card, and utility bill and also a notarized letter and the name remains the same My name is XXXX XXXX not XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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: Monterey Financial Services LLC (TX)

I'm writing to confer my XXXX as for the tested records on my credit report. On various occasions, I have raised the issue of bumbles in these records, and have reliably referred to that they be totally examined. Regardless of what my endeavors, I quite can't get any goal or restorative activity. These off-base records are genuinely harming my credit report and upsetting my capacity to go on with a standard life. The hostile results of these missteps have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with curing what's happening right away. I compassionately demand that you direct a mindful evaluation concerning the specifying of these tested records. It is major that the key advances are taken to resuscitate and audit my credit report immediately. With your assistance, I need to reestablish the exactness and validity of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally over the top idea and make a rapid move. Your collaboration and moving in settling this issue quickly would be enormously significant. Much appreciation to you right off the bat for your appreciation and help.
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC (CO)

I joined a Gym for a few months then called to try to cancel my membership. The woman I spoke to convinced me to put my account on a freeze, instead of cancelling, but did not mention that you can only have you account on freeze for so many months. Fast forward a XXXX6 months, I start getting charged the monthly membership cost again. I called the gym and they said that they told me about the automatic unfreeze on the phone, which did not happen because I would otherwise not sign up for it. XXXX  then sent me to collections where I received numerous phone calls from XXXX XXXX XXXX based out of XXXX XXXX XXXX Utah. I'm not getting contacted by XXXX XXXX XXXX out of Utah which is a law firm with a debt collector agency as a part of it. I spoke with a man named XXXX XXXX there, who informed me they would only take full payment, not partial payment as a settlement, and that if I did not handle the outstanding balance immediately they " may '' report this to the credit agencies which would impact my credit score. 

This feels like malicious and misleading billing practices from XXXX XXXX XXXX ( Colorado location in XXXX XXXX ). I've since been repeatedly harassed by debt collectors for a balance that I feel I shouldn't owe. I'm also having a hard time finding the original agreement that I signed with XXXX XXXX XXXX and it seems that I can not access my account.
Consumer complaint received 2024-04-13
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. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (TX)

I am writing to file a complaint against Aldous and Associates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding an outstanding balance of {$100.00} associated with my membership at XXXX XXXX  XXXX. 

I am asserting that this amount is INCORRECT for the following reasons : XXXX. My XXXX XXXXXXXX XXXX, and I have been utilizing the EXACT SAME credit card ENDING XXXX XXXXXXXX under her name for auto-payments for our memberships. This card is valid, has not expired, and was just charged on XX/XX/2024, by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX They dont have any issues charging that card for her membership and have continued charging for the past years. However, my membership payments have been wrongly stopped without my consent. It is unacceptable that Texas XXXX XXXX continues to charge my fianc on the same card while my payments have ceased. With that, I can conclude that the credit card is not the problem here. 

XXXX. During my visit on XX/XX/2024, to the XXXX XXXX XXXX  location in XXXX XXXX XXXX XXXX, I spoke with the XXXX, XXXX, regarding my statement above. XXXX verified and confirmed that the card is the same. XXXX could not provide a satisfactory explanation as to why corporate has stopped taking my payments. 

XXXX. On the call with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I am trying to work out a solution. I advised them that the credit card is obviously working because they just took out money from that card for my fiance 's membership. They said it is not their problem because XXXX XXXX XXXX XXXX is the one they use to handle billings. They told me that reason mine was sent to collection because my card was expired and I did not update it and that XXXX tried to contact me. The card is indeed not expired because like I stated above, they just took money out for my finance membership On XX/XX/2024.
Consumer complaint received 2024-01-27
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$510.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00}
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-01-27
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my cfredit report
Consumer complaint received 2024-08-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: SoLo Funds Inc. (WI)

Solo funds allows you to borrow from other people and pay them back on your payday. the current issue is they had a update and my account and i pretty sure many others have been messed up for over a month. so i took XXXX loan was able to withdraw once from the platform. I left some money behind because i was told they would fix the transfer issue and i could use my debit card to move the money. after about XXXX  days of waiting and i heard nothing i went ahead and sent it to my bank by XXXX well the transfer never happen. Now brings us XX/XX/year>. i paid that loan that i thought i got all of the money for and when i took the new i figured out that i did not get it and now there is XXXX dollars there XXXX being the loan and XXXX being money that is now mine. i go to with draw the money and i can not. i reach out to customer service 6 times in XXXX hours ask to have the loan canceled they say we will put a ticket in. still not canceled still can not get my money. i ask to speak to a supervisor we have to put a ticket in. ask for time frames there is no time frames. there is fees with these loans. I contacted customer services aXXXX XXXX XXXX  on XX/XX/year> getting the same run around.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (IL)

I pulled my consumer reports around XXXX, XXXX  and notice it was errors on my XXXX reports. So I disputed the inaccurate information with XXXX. LCI is the company that furnished the inaccurate accounts to XXXX. I disputed the inaccurate accounts with LCI and they sent me a stall letter asking to see a valid driver 's license and copy of my bill. I sent that with my first dispute letter. You can see on the XXXX XXXX, the date is XXXX. I am not here to play games I am XXXX XXXX XXXX by the way. I will like for them to delete this bankruptcy and the rest of the inaccurate accounts. I have proof of my letter being sent to XXXX and the response I receive from them. Also I filed a complaint with the XXXX  and LCI didn't respond. LCI not responding to my complaint through the XXXX  proves this XXXX  and inaccurate accounts needs to be deleted from my consumer report. I will attach exhibit ( A-D ) from my complaint with the XXXX