davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (AL)

This is a complaint of the timeline provided to close our assumable VA loan. 

Our home has had multiple purchase offers but under the condition that the loan is assumable. Mr.Cooper estimated 4-6 months to close on a third party assuming our loan. 

These timelines are absolutely ridiculous. All of our home 's purchase offers with the stipulation of an assumable loan have backed out. This is a direct result of the outlandish time needed when the average home closes within 30 days. 

Our Realtor has recorded of who she spoke with at Mr.Cooper, XXXX XXXX XXXX on XX/XX/XXXX between XXXX XXXX
Consumer complaint received 2023-11-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc. (CA)

Hello I am contacting you for home loss prevention. I am current in all payments of mortgage and property tax and have never defaulted even in the past ever since the house was purchased in XXXX. My XXXX son is on the XXXX of XXXX XXXX his benefits and the good public schooling of my kids are both connected to our home address. 

This is to kindly let you know that I have a conventional XXXX XXXX  loan with 30 year term and my loan assumption application has been denied by Mr. Cooper the mortgage lender and all because they need an income of {$10000.00} per month and mine is {$6200.00} including everything. I am already their client and bought this house in XXXX. All they are required to do is to remove my XXXX XXXX XXXX name off the loan entirely. 

My home situation is fragile as I am a XXXX  mom with XXXX XXXX XXXX XXXX XXXX boys in my full physical custody and this house is the only asset I have got in my divorce, I have always been able to keep up with all debt obligations after divorce And is solely taking care for 2 years of my mortgage and property taxes. I would not be able to buy another home after selling this and my rent alone would be {$3000.00} per month in XXXXXXXX XXXX which is equal to the mortgage I pay month to month. Please talk to Mr. Cooper my mortgage lender let them see my side, the title of my house is solely in my name and the mortgage has both my and my ex name on it and his name is to be completely removed. The equity of this house is almost equivalent to what I owe {$610000.00} in the house so why can't the equity of the house be my co-signer and my ex name be totally removed from the liability? I am also open to the idea of loan modification with the years of mortgage payment increasing to lets say 40 years from 30 years to bring the monthly premium down from {$2900.00} to much lesser so the debt to income ratio looks healthier and I get approved for the loan assumption but only if it continues to be the same rate of interest as 3.375 %. But denying my loan assumption application just because there is debt income disparity doesnt explain it. I am a XXXX  woman, am a U.S. XXXX, just trying to raise my kids in a safer environment and this house is crucial for that growth. Kindly help. Under our current XXXX XXXX XXXX XXXX case court is making orders forcing me to sell the house if my exs name doesnt come off by XX/XX/XXXX. So the matter is really time sensitive and Mr. Cooper is aware of it. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2022-10-26
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 — 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the Experian credit bureau was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, 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  Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-12-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SinglePoint GI (NY)

Calls from General Revenue XXXX on XX/XX/23 at XXXXXXXX XXXX, XX/XX/23 XXXXXXXX XXXX, XX/XX/23 at XXXX, XX/XX/23 at XXXXXXXX XXXX and XX/XX/23 at XXXXXXXX XXXX Finally spoke to XXXX and was told they were placing an obsolete, time barred debt into collections with the CRA . Requested to be removed from their calling registry and informed them they were in violation of the FDCPA.
Consumer complaint received 2022-10-26
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 — 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the Experian credit bureau was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, 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 Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-10-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XX/XX/22 called in TransUnion consumer solutions to update personal information that was not accurate on my TransUnion consumer profile. After answering brief security questions to verify my identity. The TransUnion agent assured me that the inaccurate information was removed. Today I received fraud alerts form the other credit Bureaus XXXX and XXXX. Stating that there has been a name change to my credit profile. Logged into my my TransUnion account. To find out that the agent i previously spoken with had added a name to my consumer profile that not mine. This totally unacceptable. I spoke with a supervisor regarding the matter and the supervisor assured that the name would be removed with u the hour. It has not been I just been denied a line of credit and bank loan because of trans union consumer solutions added a name to my consume profile that not mine.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion keeps denying my ID theft dispute even with all the proper documentation and won't explain why I'm getting denied. Phone agents don't speak English which is understandable and hang up on me.
Consumer complaint received 2018-06-25
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I HAVE BEEN ASKING FOR VALIDATION AND VERIFICATION ON INACCURATE ACCOUNTS ON MY CREDIT REPORT FROM XXXX   AND THEY REFUSE TO SEND ME THE INFORMATION IM REQUESTED. I HAVE CALLED AND SPOKEN WITH SEVERAL REPS AT XXXX ABOUT  THE INACCURATE REPORTING AND ALSO HAVE MAILED INFO SUPPORTING THAT THE INFORMATION THEY ARE REPORTING IS INCORRECT. XXXX CONTINUES TO STILL REPORT INACCURATE AND FALSE INFORMATION. IVE RECEIVED INFO STATED VERIFIED BUT XXXX REFUSES TO SEND ME THE INFORMATION ON HOW THEY VERIFIED AND WHEN. BELOW I HAVE PROVDER COPIES SHOWING THESE PAID WERE PAID IN FULL AND ARE NOT UNDER BANKRUPTCY. 

ACCTS DISPUTED AND XXXX REFUSED TO CORRECT : 1. XXXX XXXX XXXX- XXXXacct # 2.XXXX XXXX XXXX XXXX-PAID-XXXX acct # 3. XXXX XXXX XXXX PAID-XXXX
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, 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)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my handwritten instructions.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (OR)

I am unable to login to my account or reset my password on Equifax.com. 

Some time in XXXX, I created an Equifax account with email address XXXX to pull my annual report. I have the login info saved in my password manager so I know I created an account. I do not recall if I was able to pull my annual report at that time, but I have not attempted to login to my Equifax account since then. 

XX/XX/XXXX - attempted to login to my Equifax account with XXXX and received an error that the username/password is incorrect. I double-checked the password I created with this account, attempted to login again, same error. 

I attempted to reset my password and received the error " We are temporarily unable to complete this request. Please try again later. '' I tried resetting my password from an incognito browser, clearing my cache and cookies, using a different browser altogether, rebooting my computer, etc. Same error. 

I attempted to register for a new account to try using a different email ( sadly there is no field in the registration form for email address ). Equifax 's site says I already have an account and that I have to login or try resetting my password, where I still get the " We are temporarily unable to complete this request. Please try again later. '' error. 

I googled this issue and several other people have had this same problem ; calling does not fix anything, the first tier agents are unable to resolve this problem. The agents advise they're escalating the issues to their backend tech team and that we'll receive an email when it's resolved but we never receive an email and the account login remains broken. Calling back results in the same loop of being told it's being escalated and we'll receive an email when it's fixed, and nothing is fixed and no email is received. 

The only successful fix for people has occurred when they file a CFPB complaint ; people reported their Equifax accounts were fixed within a few days.
Consumer complaint received 2022-11-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 secti

on 602 A. States I have the rights to privacy. 15 U.S.C 1681 sectiion 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 ir has reasonable cause to believe that the information is inaccurate.
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: 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Late payment, XXXX Late payment, XXXX Late payments, XXXXXXXX XXXX late payments and XXXX balance, Collections XXXX. Equifax XXXX Late payment, XXXX late payment, XXXX late payment, XXXX late payment and balance XXXX. 
Collections XXXX. XXXX XXXX Late payment, XXXX late payment, XXXX late payment, XXXX XXXX late payments and XXXX balance. 
Collections XXXX, XXXX, XXXX, XXXX. 
15 U.S.C 1681 Section 602A. 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 an 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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Late payment, XXXX Late payment, XXXX Late payments, XXXXXXXX XXXX late payments and XXXX balance, Collections XXXX. XXXX XXXX Late payment, XXXX late payment, XXXX late payment, XXXX late payment and balance XXXX. 
Collections XXXX. Transunion XXXX Late payment, XXXX late payment, XXXX late payment, XXXX XXXX late payments and XXXX balance. 
Collections XXXX, XXXX, XXXX, XXXX. 
15 U.S.C 1681 Section 602A. 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 an 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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted over 49 letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXX XXXX  ) I would like have XXXX XXXX XXXX blocked and removed from my file i request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party This is account. This should not be reporting on my account. I have no knowledge of this. Please remove immediately. I have attached drivers license, Social Security, card, and proof of address
Consumer complaint received 2022-10-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Automotive Services Finance, Inc. (VA)

On XX/XX/2022 i informed Automotive Finance Services that i was officially rescinding the Retail Installment Service Contract made in XXXX XXXX on the basis of fraud. It came to my attention that contract 's finance charge had been fraudulently manipulated. Automotive Finance Services has been uncooperative and it has passed the 20 days and they have yet to refund the downpayment and monthly payments received
Consumer complaint received 2022-10-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I called the Equifax after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Inquiries on my credit report which are misleading to me. I sent a letter to the Equifax credit bureau XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that these INQUIRIES will be removed. 
XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX and XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the rights 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.
Consumer complaint received 2023-11-06
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)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group (GA)

Previously submitted information related to the XXXX XXXX, XXXX for alleged medical charges that have yet to be substantiated with the appropriate documentation from the organization that is affiliated with XXXX XXXX XXXX in Georgia. 

I have now been contacted by Superlative RM of XXXX XXXX, California demanding payment. Superlative RM is a debt collection agency, and I have also notified them this debt has not been substantiated.