davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (TX)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan Number XXXX Case Number XXXX XXXX Regulatory Case ID : XXXX PHH Mortgage Services Escalations Department 1 Mortgage Way XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We sent a response to a letter from PHH on XX/XX/2023 concerning incomplete information. XX/XX/2023 we received a letter from PHH stating that We will review the issues raised with the goal of providing a written response by XX/XX/2023. Please note, when allowed and necessary, we may extend the time period for responding in order to conduct additional research needed to respond to your question/ concern, We also received a foreclosure notice on XX/XX/2023, both are attached to this communication. 

In closing, please clarify what is going on. If we are waiting for you to response why are we receiving a fore closure notice and incurring additional foreclosure fees? 
Genuinely, XXXX & XXXX XXXX XXXX. CFPB
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2022-12-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I found out yesterday that my name and credit rating was attached to this loan. 

I DID NOT SIGN OFF ON THIS LOAN!!! 

I DID NOT sign this document and it was notarized by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I WAS NOT there, and not sign it, I was in XXXX XXXX on business and have plane tickets, hotel bill and witness ( s ) that will gladly give deposition to this fact. 

I wish to pursue this matter in everyway possible and convict all parties involve in this fraud.
Consumer complaint received 2023-09-06
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: Experian Information Solutions Inc. (CT)

UPDATE TO CLAIM XXXX -- -- -- UPDATE TO CLAIM XXXX -- -- -UPDATE TO CLAIM XXXX EXPERIAN is an elaborate mechanism as CONGRESS defined it under 15 USC 1681 ( 2 ) ( 3 ) who has ASSUMED its role to acquire and assemble my private personal identifying information against my Federal Right to privacy under the PRIVACY ACT OF 1974. EXPERIAN has committed identity theft under 18 USC 1028A as well as has acquired my social aka credit card to furnish a credit account with a fictitious score without my written consent as CONGRESS REQUIRES under 15 USC 1681b. EXPERIAN has been put on NOTICE of these WILLFUL VIOLATIONS and has been given 30 days to perform accordingly in good faith and remove the demanded accounts from consumer report as CONGRESS demands under 15 USC 1681a ( 2 ) ( i ) and 15 USC 1681c. EXPERIAN was also put on NOTICE for damages accrued by me due to these WILLFUL VIOLATIONS in the form of XXXX XXXX XXXX XXXX  and inability to exercise my right to credit within the banking system for personal and household needs due to the false adverse accounts illegally reported on my consumer report. EXPERIANS performance in bad faith has caused me to be discriminated against because I have been denied a right to credit which is my GRANTED RIGHT and HAVE BEEN DENIED CREDIT. EXPERIAN is now directly in violation under the EQUAL CREDIT OPPORTUNITY ACT as well under TITTLE 18 USC 242 as well under 15 USC 1681q and 15 USC 1644 for acquiring my private information including my credit card defined under 15 USC 1602 to furnish a credit report that goes against CONGRESS requirements to coerce money in the amount via a subscription payment. EXPERIAN is also in contradiction of the IRS definition of Charged Off debt and the manner in which it should be described as INCOME and NOTHING ELSE. EXPERIAN is in fact reporting charged off accounts that are considered as income by the IRS which IS NOT REASONABLE and a direct violation under 15 USC 1681e ( b ) and 15 USC 1681i. EXPERIAN has been put on NOTICE AND IT HAS BEEN 30+ DAYS AND EXPERIAN HAS NOT RESPONDED TO I THE CONSUMER NOR THE CFPB FAILING TO ADDRESS THE MATTER IN A TIMELY MANNER and must remove the accounts regardless.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I called XXXX XXXX XXXX to put my account on an autopay arrangement. This was never completed, I was never contacted by XXXX XXXX XXXX and my account went into default however a payment was withdrawn the following month in XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XXXX and in XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as XXXX with proof of my payment and my phone record showing my phone call to setup the autopay.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

ON XXXX I deposited a cashiers check for {$49000.00} in ATM that was endorsed and signed over to myself. ON XXXX of XXXX the check clears and a hold was placed again. On XXXX the funds would be available but only to be placed back on admin hold I called TRUIST they advise me to walk in the branch I deposited the check in. On XXXX I go to the XXXX XXXX XXXX TRUIST win XXXX Ga to no avail no help was provided. I was advised to a branch leader that was no assistant. Around XXXXXXXX XXXX on XXXX I referred to the TRUIST at XXXX XXXX XXXX GA for a branch leader and no assistance was provided. ON XXXX I called TRUIST they again advised me to go back to the branch. ON XXXX I went back to the TRUIST ON XXXX XXXX XXXX IN XXXX where I was assisted by XXXX. XXXX himself calls TRUIST and I was then told to wait for TRUIST to give me a call.
Consumer complaint received 2023-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX 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 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 XX/XX/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 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 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 2024-06-13
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 noticed huge amounts of errors on my credit report so I contacted the credit bureaus via mail to dispute the reporting. That was 45 days ago and I have not heard back from them in regards to my dispute. The fcra states that they have 30 days to investigate or the must delete the information. I am requesting that the information be deleted from my report because they failed to investigate, correct or delete and they also failed to notify me of their results.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

In XXXX of XXXX I began making monthly payments on my student loan, to XXXX my student loan lender. XXXX claims they report to all XXXX credit reporting agencies once a month, on a specific day for activity from the previous month. 

I began noticing that the Credit reporting agencies were not updating the balance properly, causing a negative impact to my credit score. I contacted XXXX at the number they provided in a letter, but the number was not a working number. I was able to locate a different number. and after many hours on the whole and speaking to over 4 superviors each month from XXXX to XXXX, I was able to get XXXX to send an update to all XXXX of the credit bureaus. 

Unfortunately the credit bureaus still do not show the correct balance on my XXXX student loan account. XXXX still does not show the correct balance amounts from previous months. 

To make matters worse since paying over XXXX my credit score dropped XXXX points with one credit bureau, XXXX points with the second credit bureau and XXXX points with the third credit bureau. All three credit reporting agencies are using FICO XXXX model. 

There is only one FICO XXXX model, why do I have 3 different scores? Why after paying thousands of dollars on my student loans ( over XXXX XXXXXXXX between XXXX and XXXX ) would my credit score drop so drastically. I tried reaching each credit bureau for an explanation, the only thing they can tell me is that my balance goes into the scoring model and generates a score. 

Every time I make a payment, instead of my credit score going up, it is dropping drastically. This is causing me financial hardship because I am unable to finance a car at a normal interest rate. My mother is elderly and recovering from XXXX XXXXXXXX XXXX XXXX XXXX XXXX. We need a car to transport her to her medical appointments. It is causing me mental and emotional stress. I need help resolving this issue. 

Currently, there is no Governement oversight or regulations over the FICO XXXX scoring model and its inconsistencies amongst all three credit reporting agencies. 

I need help. please contact me. 

This is causing me a financial hardship.
Consumer complaint received 2024-04-05
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. (PA)

Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX
Consumer complaint received 2023-09-06
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)

In XXXXXXXX XXXX XXXX I began making monthly payments on my student loan, to XXXX my student loan lender. XXXX claims they report to all XXXX credit reporting agencies once a month, on a specific day for activity from the previous month. 

I began noticing that the Credit reporting agencies were not updating the balance properly, causing a negative impact to my credit score. I contacted XXXX at the number they provided in a letter, but the number was not a working number. I was able to locate a different number. and after many hours on the whole and speaking to over 4 superviors each month from XXXX to XXXX, I was able to get XXXX to send an update to all XXXX of the credit bureaus. 

Unfortunately the credit bureaus still do not show the correct balance on my XXXX student loan account. XXXX still does not show the correct balance amounts from previous months. 

To make matters worse since paying over XXXX my credit score dropped XXXX  points with one credit bureau, XXXX  points with the second credit bureau and XXXX  points with the third credit bureau. All three credit reporting agencies are using FICO XXXX model. 

There is only one FICO XXXX model, why do I have XXXX different scores? Why after paying thousands of dollars on my student loans ( over XXXX XXXXXXXX between XXXX and XXXX ) would my credit score drop so drastically. I tried reaching each credit bureau for an explanation, the only thing they can tell me is that my balance goes into the scoring model and generates a score. 

Every time I make a payment, instead of my credit score going up, it is dropping drastically. This is causing me financial hardship because I am unable to finance a car at a normal interest rate. My mother is XXXX  and recovering from XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. We need a car to transport her to her medical appointments. It is causing me mental and emotional stress. I need help resolving this issue. 

Currently, there is no Governement oversight or regulations over the FICO XXXX scoring model and its inconsistencies amongst all three credit reporting agencies. 

I need help. please contact me. 

This is causing me a financial hardship.
Consumer complaint received 2023-09-06
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: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$2800.00}.
Consumer complaint received 2023-09-06
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX  XXXX XXXX XXXX : XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

A. On or about XX/XX/2023, I received an email from XXXX XXXX wherein she was attempting to collect the debt XXXX XXXX # : XXXX. I responded by requesting the items below to validate the debt. 1. A copy of the Original Purchase Agreement from the Original Creditor that shows that you legally own this debt to the Original Creditor. 2. Proof that you are a legal debt collector in California. 3. A copy of the Bond that shows that you are Legally Registered in My State. 4. Copies of ALL Statements from Open to Close of this Account. XXXX XXXX has failed to submit the required documentation to validate this debt. However, they have submitted to the major credit bureaus they have validated this debt. XXXX XXXX XXXX didn't notify me of this debt before placing it on my credit report. 
I have disputed this debt multiple times with the credit bureaus asking them to provide the documentation XXXX used to validate the debt.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A. On or about XX/XX/2023, I received an email from XXXX XXXX wherein she was attempting to collect the debt XXXX XXXX # : XXXX. I responded by requesting the items below to validate the debt. 1. A copy of the Original Purchase Agreement from the Original Creditor that shows that you legally own this debt to the Original Creditor. 2. Proof that you are a legal debt collector in California. 3. A copy of the Bond that shows that you are Legally Registered in My State. 4. Copies of ALL Statements from Open to Close of this Account. XXXX XXXX has failed to submit the required documentation to validate this debt. However, they have submitted to the major credit bureaus they have validated this debt. XXXX XXXX XXXX didn't notify me of this debt before placing it on my credit report. 
I have disputed this debt multiple times with the credit bureaus asking them to provide the documentation XXXX used to validate the debt.
Consumer complaint received 2023-09-06
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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