davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Nation star aka Mr Cooper I have an FHA loan that was taken out on XXXX XXXX. Mr Cooper services my loan I have never been late nor missed a payment for the life time of my loan, I own a XXXX XXXX a XXXX XXXX and my work all comes from an XXXX in NJ who is currently at a stand still due to the current epidemic. 
Mr Cooper is offering a forbearance package to those who are suffering from financial hardship due to the coronavirus, they are offering a 3 month no payments, however they claim at the end of the three months the three months you have missed in that time plus the current month are then all due at that time and they will report all payments as delinquent until paid in full, they claim mr Cooper does not accept partial payments. 
If that is what they are offering I cant possibly see how that can help anyone, it will for sure put me in foreclosure and Im sure many others if we are struggling with making the payment monthly now how is it possible I can come up with $ XXXXx 4 not to mention my mortgage was {$2300.00} in 2017 when I purchased my home, Florida doubled my taxes a year and a half after moving into my home stating it was reappraised and the 10 percent law did not apply to myself. 
I am already struggling and I cant possibly see what mr Cooper is doing in this time can be acceptable while all  other banks are putting the 3 months to the back of the loan as it should be that would be a true forbearance program as of this I see it as being a set up so they can take my home, if I am at risk of this how many other Americans are at risk of this happening its so unconstitutional and unfair. 
I can not get in touch with anyone at this company I was told 6 days ago I would be called back and not loose my Spot in line to never be contacted now they have a message that states to go online and file the application. I really hope for the sake of myself and every other consumer with mr Cooper something can be done for us effected consumers  thank you for your time XXXX XXXX
Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IL)

I got a {$5000.00} loan been four years and in total paid {$9600.00} and from this day I still owe them {$4500.00} which makes no sense
Consumer complaint received 2022-12-29
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. (PA)

I am a natural person, I am a living human being, i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account : Individual Account Date reported XX/XX/2022 Account status Unpaid Creditor Classification Cable/Cellular Original amount owed {$1000.00} Original creditoXXXX XXXX XXXX Date assigned XX/XX/2022 Agency XXXX XXXX XXXX XXXX Status XXXX XX/XX/2022 Delinquency Date of last payment Balance owed {$1000.00} Comments Consumer Disputes Reinvestigation In Progress Balance date XX/XX/2022 Date of first delinquency Agency contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-03-30
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. (SC)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

XXXX 11 XXXX XXXX XXXX ACCT # XXXX {$610.00} 11 XXXX ACCT # XXXX {$260.00} 11 XXXX XXXX ACCT # XXXX {$1900.00} 12 XXXX XXXX  ACCT # XXXX {$2900.00} ALL INQUIRIES XXXX  XXXX ACCT # XXXX {$1900.00} EXPERIAN XXXX XXXX XXXX ACCT # XXXX {$1500.00} XXXX, XXXX ACCT # XXXX {$260.00} XXXX XXXX ( XXXX ) {$1900.00} XXXX XXXX XXXX  ( XXXX XXXX ) ACCT # XXXX {$610.00}
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I closed this account on XXXX XXXX as this bank gave my Daughter a card on my account in XXXX but in XXXX they refused to add my wife to the account the whole bill owed is my daughters debt none of it is mine XXXX XXXX I made a payment to catch account up of XXXX this paid it up thru XX/XX/XXXX these is were the fun begins see on XX/XX/XXXX my credit report should balance of XXXX then I get a statement dated XX/XX/XXXX showing previous balance XXXX and new balance XXXX then on my credit report dated XX/XX/XXXX it shows XXXX balance then when I called the bank it says balance XXXX payment due XXXX the statement claims payment due is XXXX funny thing is I paid the payment on XX/XX/XXXX due XX/XX/XXXX of XXXX they never process the payment tell XX/XX/XXXX, they also report that last week on my daughter credit report balance was XXXX then this week it shows XXXX yet they claim they don't report this info on my daughters report this came from their executive office until this bank can explain all these why payments were made not processed why the five different balances for XX/XX/XXXX I will not pay any more payments to this bill as a disabled Veteran they are trying to make pay money I do not owe them as I stated this bill is 100 % my Daughters who they gave a card to this bank and the people that work their are full of XXXX last person I spoke to on XX/XX/XXXX she keep saying let 's keep this professional when I ask question my daughter and my wife were both listening this is what they do refuse to answer questions when asked about all the above. and please note Balances went up XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX XXXX then from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX up XXXX then from XXXX XX/XX/XXXX thru XX/XX/XXXX it went up XXXX why the big difference then on XXXX XX/XX/XXXX I made the XXXX payment which yes my daughter now owes us but from XXXX XXXXThru XXXX XX/XX/XXXX it went down XXXX from XXXX to XXXX so this bill went up XXXX in XX/XX/XXXX when account is closed and payment was made even with everything how did this account go up XXXX after payment was made from XXXX to XXXX they refuse to explain this issue that's why I'm claiming their trying to rep me off of fees and money I do not owe even though the whole bill owed is not mine right now I'm paying the bill for my daughter and like I say I'm not paying another penny to this bank period!!!!!
Consumer complaint received 2022-12-29
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. (NY)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-03-30
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)

I DEMAND that you ONLY RETAIN VALID CERTIFIABLY METRO 2 format COMPLIANT DATA that is REQUIRED REPORTING per my state 's and or applicable federal reporting laws regarding the late payments on these accounts.
Consumer complaint received 2020-03-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX card violations attached XXXX  taking more than 30 days engage in unfair, deceptive, abusive, or other practices that violate the statute. FDCPA 814, 15 U.S.C. 1692l. Under the FTC Act, the FTC may investigate and take law enforcement action against entities that, in connection with collecting on debts, engage in unfair or deceptive acts and practices.
Consumer complaint received 2022-12-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (MD)

Tsi has contacted and stalked me in regards to a debt collection. Also, purposely mentioned XXXX XXXX Im not sure how they got the details of my visit but they did
Consumer complaint received 2020-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (GA)

I am a XXXX veteran. I filed a claim for increased compensation in XXXX for my XXXX  XXXX  with the Dept of VA. The Dept of VA used a 3rd party called XXXX XXXX XXXX to set up XXXX of my XXXX  at a local provider XXXX XXXX XXXX center at no cost to me, the Dept of VA should be billed. When I checked in at this appt I provided the authorization that was provided to me by XXXX XXXX XXXX. Out of the blue in XXXX XXXX I received a collection notice for XXXX for the XXXX from a collection agency. After several calls and the run around I was told they needed the authorization with the Drs name to settle the bill with the VA. I faxed this info over. This happens to alot of veterans, they are ordered to go to VA appointments and then billed in error. 
This information is now on my credit report as a collection account XXXX Collection Company Receivable Management Group, XXXX GA. 

I already faxed the authorization to this company 2xs and mailed it in XX/XX/XXXX to stop the collection and for them to bill the dept of VA not me. But this company still placed this item on my credit reports when they are aware its not my debt, causing my credit scores to drop 65-70pts. 

I'm sure I'm not the only veteran this has happened to and who has been harmed by illegal debt collection activities by this company. 

This information should be removed immediately from my credit file, stop debt collection calls and use the information I provided over 5 months ago to bill the VA and or XXXX XXXX XXXX. 

I'm attaching emails to this company and the authorization that shows to bill them, not me, the XXXX veteran
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT. OF EDUCATIO US DEPT ED USDOE/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT. OF EDUCATIO US DEPT ED USDOE/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT. OF EDUCATIO US DEPT ED USDOE/XXXX
Consumer complaint received 2024-03-12
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. (KY)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-10
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: Experian Information Solutions Inc. (CA)

I was told that it was a soft pull does not affect my credit in any way and they run it multiple times over and over in 2-3 week periods and racked up tons of inquires hurting my credit and costing my lost of time and money trying to resolve this.
Consumer complaint received 2020-04-10
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. (CA)

I was told that it was a soft pull does not affect my credit in any way and they run it multiple times over and over in 2-3 week periods and racked up tons of inquires hurting my credit and costing my lost of time and money trying to resolve this.
Consumer complaint received 2021-10-16
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. (CA)

I have written and requested to all of the 3 reporting Credit Bureaus that each file update my name, with correct spelling, hyphenation and initial along with current address and name of employer so that my information matches equally and nothing has been done. I have multiple aliases and addresses and my name spelled incorrectly I feel that my identity can be at risk. I have provided them with the proper documentation showing the address as well. Please advise them to make the proper changes to my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-10-17
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. (TN)

On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called XXXX she also said whoever filed the bankruptcies did it themselves no attorney was involved. I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CT)

XXXX XXXX, 2021 - My mortgage payment ( {$2600.00} ) was submitted to XXXX XXXX 3 XXXX, 2021 - My mortgage payment posts XXXX XXXX, 2021 - Specialized Loan Servicing ( SLS ) purchases my loan from XXXX XXXX XXXX XXXX, 2021 - I contact SLS to arrange payment for XXXX XXXX. SLS representative tells me my mortgage will be 30 days delinquent XXXX XXXX, and I will be reported. I explain there is a mistake and attempt to make payment, the representative hung up on me. I called again, was able to make payment. SLS maintained I was delinquent. 
XXXX XXXX, 2021 - My wife and I call multiple times and are hung up on, and given incorrect, conflicting statements from SLS. SLS does not acknowledge the XXXX payment was made. We provided a copy of my bank statement showing payment was made. They do not acknowledge the error. 
XXXX XXXX, 2021 - I notify SLS by certified mail of the error. 
XXXX XXXX, 2021 - XXXX receive a letter from SLS indicating I would need to mail a different office. 

I have attempted countless times to notify SLS of the error in my account. I have requested a corrected loan history showing correct application of payments and calculation of interest. I have received no acknowledgement or commitment to correct the situation.
Consumer complaint received 2022-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

This letter is in response to your recent investigation concerning account : Portfolio XXXX. You are reporting date last active XX/XX/XXXX. XXXX is reporting different account number # XXXX and last active date XX/XX/XXXX. I would like to validate inaccuracy. If no validation Immediately remove account from my credit. 
Yet again, you failed to provide with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As you should be aware that a printout of a bill or itemized document does not constitute verification. 
Your are reporting : inaccurate date of last activity inaccurate date of last updated late pay after account was closed a charge off listed as open duplicate accounts with different account types I am formally requesting to immediately DELETE this account for inaccuracy.
Consumer complaint received 2020-03-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I had previously submitted disputes in regards to a bankruptcy being reported on my credit report. In those letters I submitted copies of my credit reports from all 3 credit bureaus with the inaccuracies and incomplete information on each one.They failed to acknowledge the documents I sent. They failed to show proof that the bankruptcy belong to me. The only keep providing a case number and the address of the bankruptcy court. I requested on numerous occasions to verify it belongs to me. I requested how they verify their incomplete and inaccurate information. I was told by one of the credit bureaus that they in fact get information from a 3 party source such as XXXX. Which under the FCRA they are suppose to gather complete and correct information from the furnisher which would be the Bankruptcy Court. None of the credit bureaus could produce the amount of money in my bankruptcy, my full name, full social security number and address. If I filed bankruptcy it had to be a reason right? I have to have accounts associated with this alleged bankruptcy. I contacted XXXX and requested them to show how they verified the bankruptcy. I was told by a representative of XXXX over the phone that they get their information from the Bankruptcy Court. I got a letter from Bankruptcy court stating they do not give personal information to third parties and I will attach this letter with my complaint.