davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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. (FL)

Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. Based on 15 U.S Code 1681bXXXX Permissible purposes of consumer ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following and no other : ( XXXX ) In accordance with the written instruction of the consumer to whom it relates. I NEVER GAVE ANY CONSUMER REPORTING AGENCY PERMISSION WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER FILE WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER NO CONSENT IS IDENTITY THEFT. IM DEMANDING THESE BE DELETED IMMEDIATELY.
Consumer complaint received 2017-04-06
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (LA)

I think this is an unfair and misleading practice by some loan companies. Why is this allowed to happen and be reported on our credit reports in this manner. It is not accurate because it makes other lenders think you are drowning in debt when the actual pay off on your loan is drastically lower. I have a consumer loan with One Main Financial and on my credit report it is reflected with a balance as shown below. 
Open - Current {$21000.00} The actual pay off is {$12000.00}. On our credit reports they are reporting the debt as what it would be if it was continued to be paid off for the life of the loan. Some other loan companies are following suit. This is ridiculous. If that was the case on my house it would look like instead of {$140000.00} remaining to be paid off the credit report would reflect about {$250000.00} as that would be the total of all the payments if I paid on it the next 28 years. I am assuming the loan companies are trying to hedge against someone filing bankruptcy on them but, it screws up consumers chances of getting loans when they need them because it misleads lenders and everyone about the real pay off amounts of their current debt.
Consumer complaint received 2018-10-12
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. (NV)

Please remove all the collection accounts listed here.. The accounts listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft I disputed the accounts with Equifax but they did not help me..They never gave me any evidence proving the account as mine..CFPB please do something about this and remove the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ( ORIGINAL CREDITOR XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2022-12-21
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. (CA)

IN accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please refer to companies and account number below. 


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 2022-12-21
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. (CA)

IN accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please refer to companies and account number below. 


XXXX XXXX XXXXXXXX Filed on XX/XX/2016 Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXXAccount number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2017-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (HI)

The harassment is the defiance of telling them not to call company phone ... because I am a XXXX and the boss has told us not to answer non delivery calls because it interferes with safety. The ey have not obeyed our demands. The part that challenges me is that they call me on my work phone and usually it 's every day XXXX more than 3 times a day. The last straw is that demanding tones of coming in to make payments on their terms. They are demanding me to make commitments to pay that totally do n't meet my budget.
Consumer complaint received 2023-02-03
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. (FL)

unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2022-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I need have my monthly statements sent on time. I receive my mortgage statement on the XXXX of every month. That doesn't give me enough time to send the payment by the XXXX of each month. If my payment is not applied by the XXXX of each month, I'm charged a penalty and it will show on my credit report. The only method of payment I've been using is writing a check and mailing it. That's the best way for me to keep track when the check is cashed. I don't trust having the amount drafted out of my account. 

Also I need to modify my loan. I have a balloon note that will be due in 2028.
Consumer complaint received 2022-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Collection Agency LLC (NE)

On XX/XX/2022 I received a certified letter from XXXX XXXX XXXX XXXX stating they are going to garnish wages from my job from a judgement placed against me because of this judgement and living at the time on XXXX due to a XXXX. I filed XXXX XXXX bankruptcy, they still called me and my wife to debtor examination, once we arrived they called us by name and released us stating " you have filed bankruptcy you are released from the debtor examination '' My wife and I have taken the bankruptcy courses and via telephone was examined by the trustee for the bankruptcy. After receiving the wage garnishment paperwork from the XXXX XXXX XXXX, I called them and asked why they where trying to garnish my wages for a judgment I have formally filed bankruptcy on. The Collection Agency knew from the beginning my wife and I filed bankruptcy but during the call pretended they had no idea and perused the matter. Finally towards the end of the call the agent said he would check the bankruptcy story and to disregard the wage garnishment paperwork if I indeed file bankruptcy and if I didn't they would move forward with the wage garnishment. I told them future communications needed to be done through my attorney XXXX XXXX. The next day I received a phone call from the XXXX XXXX XXXX requesting payment for the judgement in which I filed bankruptcy on I again informed them that I have already filed bankruptcy and who my attorney was and hung the phone up. It was brought to my attention that XXXX XXXX XXXX XXXX  has a reputation of playing fast and loose with the law and going after the poor because they know they can get away with it with no consequences. I was made aware of this site and that filing a complaint could hold them accountable.
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (AR)

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and XXXX. I can tell that someone has stolen my identity. As a result, I filed a formal report to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In accordance with the provisions of FCRA XXXX XXXX ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., XXXX XXXX ). Please let me know if you require anything else. Please have the following items removed from my Credit File as soon as possible : XXXX XXXX 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 BXXXX 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 I have read that under the Fair Credit Reporting Act section XXXX, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I request of you to have the disputed items removed from my XXXX XXXX as soon as possible.
Consumer complaint received 2021-04-28
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. (FL)

ON XX/XX/2021 I XXXX A LETTER ASKING EQUIFAX, XXXX  AND XXXX  TO INVISTIGATE MY CREDIT REPORTS BECAUSE THERE WAS INACCURATE INFORMATION ON MY REPORTS. TO THIS DATE THEY HAVE RESPONDED TO ME ABOUT ANYTHING. I PUT 10 ACCOUNTS FOR DISPUTE ON THE LETTER AND I HAVE YET TO GET ANY RESULTS. 

1.XXXX  XXXX  AACNT  # :XXXX  2. XXXX  XXXX XXXX  AND XXXX  TOT ACCNT # : XXXX  3. XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ACCNT # : XXXX 4. XXXX  ACCNT # XXXX  5. XXXX  XXXX  ACCNT # XXXX  6. XXXX/XXXX  ACCNT # : XXXX  7. XXXX  ACNT # XXXX
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (IN)

I have been trying to cancel my membership for over a week now. It says on XX/XX/18 my card will be charged {$21.00} and there's no way to delete my card information. For one, that is super shady, and two I want my card information off of their website. Their spam advertisement on XXXX conned me into thinking that I was only going to be charged a dollar and now it looks like I can't delete my card information and am going to be charged a monthly rate of {$21.00}. I want to cancel my membership and delete my card information off of their website immediately. I have tried calling multiple numbers listed on their website and NO CUSTOMER SERVICE REP will get on the phone. I haven't been able to reach ANYONE at ANY time every day I call. This is pathetic and unprofessional.

I WANT MY CARD INFORMATION AND ACCOUNT DELETE IMMEDIATELY.

Thank you.

XXXX XXXX
Consumer complaint received 2022-12-22
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)

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 XX/XX/XXXX ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$320.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

My loan is escrowed for insurance and taxes. Nationstar is the servicer of my loan. Nationstar had paid insurance XX/XX/XXXX and on about XX/XX/XXXX. I changed my insurance carrier on about XX/XX/XXXX. I mailed an insurance refund to Nationstar which was applied to my escrow account on about XX/XX/XXXX. NATIONSTAR HAS FAILED TO PAY MY NEW HOMEOWNERS INSURANCE PREMIUM WHICH WAS DUE XX/XX/XXXX AND I AM NOW AT RISK OF CANCELLATION! I think they are trying to force place insurance and that is not right because they are legally responsible to pay the premium as the have in the past.
Consumer complaint received 2022-12-22
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. (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, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$320.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

I have been trying to remove PMI from my payments, since my home value has increased way over the amount to meet the LTV requirements. I was in the middle of this process with a previous lender ( XXXX ) but during that, my loan moved to another company ( Freedom Mortgage ). I have provided the current, official tax apraisal that was done recently by XXXX county which increased the valeu of the home from XXXX to XXXX. 

I waited a few months since my last complain here and contacted them, now they are saying that my LVT is not met, even that in their own report they are listing my property at XXXX USD but apparently for PMI removal they are only considering the XXXX value. 

I also have received a few letters from them offering me to get money out of my loan, since my property value has increased, but they are also not considering that. 

I sincerely do not know what to do next since the seasoning is definitely over ( more than 24 months ) and my LTV right now should be about 60 % and not 81 %, basically dividing XXXX / XXXX and not XXXX / XXXX. 

I am attaching their last response which clearly states the value of my property ( as is ) as XXXX. 

I did also speak to a loan advisor at Freedom Mortgage and he agreed that the letter was wrong since they should be calculating the LVT against XXXX and not XXXX, however he was not able to change anything since it was a different department.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i contacted transunion about XXXX hard inquiries due to identity fraud last year dates as follows : XX/XX/23 XXXX XXXX XXXX XXXX XXXXXXXX says that this account has been closed but the account has also been turned over to a company called XXXX XXXX XXXX and they say there is nothing they can do about it ) XX/XX/23 XXXX XXXXXXXX XXXX XX/XX/23 XXXX  XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has gone out of business and has turned the account over to another company who says they cant do anything about it and that i dont have an account with them ) i called the companies and they said that all the accounts have been sucessfully closed but i still see them on my credit report as hard inquiries. they said it was under investigation i want the hard inquiries removed.
Consumer complaint received 2021-01-13
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. (VA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2024-03-29
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2022 and a second time, XXXX bank requested a " Hold Harmless Agreement '' from Wells Fargo so I could get my {$200000.00} back from XXXX Bank. FINALLY, after many phone calls and messages, I signed the agreement on XX/XX/2022. IT TOOK 3 MONTHS!!!!!! I am trying to confirm the Hold Harmless Agreement was sent to XXXX Bank. I would also like to know when I am going to receive my money. 
This all started XX/XX/XXXX. I have been more than patient. XXXX XXXX is in charge of my case. XXXX people have emailed XXXX requesting an update. He has not answered anyone. I even told him in my email that if he didn't respond to me, I would file another complaint. 
Case Number : XXXX Consumer Financial Protection Bureau Case XXXX I need MY money, please. 
Thanks!
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi this is XXXX XXXX XXXX, I am contacting the Consumer Financial Protection Bureau about my personal information with Trans Union, They are reporting names, addresses and phone numbers inaccurately. I reach out to them with the right information with copies of my Drivers license, social security card and a credit card statement.
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX and I am a victim of identity theft!! Please add a fraud alert on my credit as soon as possible to stop this!! I was researching " The Fair Credit Reporting Act '' and according to them, block all fraudulent information off my credit in four business days, thank you!!!
Consumer complaint received 2024-03-29
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. (MI)

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.

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.