davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

*********Hello, my name is " XXXX XXXX '', I have been filling my complaint for over past year or so but none of it has worked. I notice that some of the name and addresses that are listed on my credit report are inaccurate. Please remove these name and addresses as they are not belong to me and the incorrect informations below are intervening me from obtaining credit. 
**Name reported : XXXX XXXX XXXX XXXX XXXX ( There are two the same name " XXXX XXXX XXXX `` , delete 1. 
**Addresses reported : _ XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ****************************************************** ^^^ I request an investigation on these loans and hard inquiries within the legal time frame of 30-45 days as I will be validating all debts from these creditors and filing complaints on all parties to XXXX, XXXX, Experian and every creditor reporting the belove items ) and filing lawsuit if not done. 
**. Other Loans : _ XXXX/XXXX  Reported : XX/XX/XXXX ** Hard Inquiries : _ XXXX XXXX/ Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX/ Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . 
XXXX  XXXX/ Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX -/Inquiry : XXXX XXXX, XXXX XXXX XXXX/ Inquiry : XXXX . XXXX, XXXX ***Also In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer '' reports I must receive a disclosure that this letter was received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. I have never received any disclosure or writing mailed. DELETE IMMEDIATELY!!! 
XXXX CREDIT CARD : XXXX Reported : XXXX XXXX, XXXX " '' '' This charge off account is not mine, delete please!!!! 
**Collections : XXXX XXXX Reported : XX/XX/XXXX Provide me documentation that this is my account or delete it.!!!! 
XXXX XXXX XXXX Reported : XX/XX/XXXX Provide me documentation that this is my account or delete it.!!!!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MN)

I applied to have my PMI removed from my loan from Home Point Financial in XX/XX/2020. To do this I needed to have my home valued at greater than " {$480000.00} to reach the required LTV of 75 % '' and thus would meet the requirement for PMI removal.

The company hired a person to do a BPO and his analysis ( price per sq foot ) suggested my house was worth $ XXXX. But then, wrote a value of $ XXXX, with no explanation of the lower value and no support for it. His report also had numerous errors such as having my sq footage at XXXX when its XXXX. 

My state assessor also assessed my home at a value of $ XXXX. I also provided 5 additional comps that showed my house value was above $ XXXX threshold to remove my PMI. 

I shared this information with homepoint financial and appealed the $ XXXX value which had no comps/evidence to support. They refused by appeal ( XX/XX/2020 ). I tried to call them to speak about this and they refused to speak to me and only referred me to an email address which I tried multiple times and was not successful in getting a response. 


It seems they are deliberately refusing to remove my PMI. The person they hired for the BPO came up with a value with no support, and it seems this was done intentionally so I would not meet the PMI threshold. The comps in the BPO report price per sq foot shows my home meets the requirement.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (LA)

last year I tried to pay off the loan ocwen sent my bank an overblown payoff with no proof of the quote.i had previouslyrequested my payment history and it said XXXX they sent a payoff quote of XXXX the original amount I borrowed was XXXX from XXXX back in XXXX there fore I went into a 3rd straight bankruptcy dealing with all these companies. XXXX, XXXX, ahmsi, homeward, ocwen, now phh. I had a complaint against ocwen last year with the cfpb for changing my maturity date and adding on 5 months to my loan and they lied to me and the cfpb saying I was wrong. even though I showed them the proof.well when I filed the bankruptcy to stop the forclosure the maturity date had changed back to the original date. I have that proof. the money never came off. I owed XXXX in principal and interest according to their records.then when they sent in they proof of claim it was now XXXX with no proof I have seen. plus another 8.25 percent interest on the XXXX. I put the house into the bankruptcy to make sure I get credit for it since they never over 15 years gave me credit for my payments. here is what I want from them ; proof on my account what I owe ; dates the money was posted to my account, credit for the extra 5 months they added to my account and what I owe them down to the penny.also my chapter XXXX was dismissed XX/XX/XXXX and XXXX dollars paid to them and that too should be added to my account.
Consumer complaint received 2020-06-17
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)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$3500.00} on XXXX XXXX, original creditor XXXX XXXX XXXX XXXX account number XXXX. ( Please see pages attached from my credit report, as well as a copy of the contract from XXXX. ) The interest rate being charged on this loan is over 198.9675 %, and this is PREDATORY LENDING to say the least!!! The Federal Loan cap is a maximum of 28 %! Payments Ive made have not been applied correctly to this account and consequently the balance reporting is wrong. Also, this incorrect reporting of a collection/chargeoff is seriously harming my credit score and this account needs to be removed and/or updated to report accurate information. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-05-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CT)

Multiple transfers were made on coinbase.com as well as coinbasewallet 1. I transferred about XXXX $ usdc to link coin to my coinbase account. Nothing showed up, says the transfer went through but I dont see the funds in my account 2. I transferred bzrx token to usdc and I never received that either. Transaction said it went through but I dont see anything in my account. 
3. I transferred XXXX of BZRX to ETH on coinbase wallet and it also said the transaction was a success but when I check my funds nothing is there?! 
Ive contacted coinbase support multiple times about this issue and I still have not received any type of help at all. This has been ongoing for 3 weeks now
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (SD)

I used my Citibank MasterCard to purchase a ticket on XXXX airlines on XX/XX/2020. In late XXXX, they cancelled the flight and they provided me with an email assuring that they would refund the fare. They did not. I filed a billing dispute with Citibank. Under the fair credit billing act, a charge for a service not rendered is an invalid charge and is mandated to be refunded. Citibank contends it is an honor system and that they can not reverse the charge. They can only ask to airline to refund. The airline refused their request, despite my providing the written email from the airline assuring a refund. Citibank says I need to sue the airline, which is impossible because they are overseas. The amount is {$100.00}.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

My leased vehicle was turned in early. I contacted XXXX to find out my balance, how to pay it, and when it was due. They told me they were unable to provide information on the remaining balance until the vehicle was sold. I contacted them again several weeks later and was told the same thing. A third time in contacting XXXX I was informed the vehicle was sold, however it would be an additional few weeks until it was processed. After several more weeks of no letters, no phone calls, or no contact from the company I called again. I was told it was still being processed and that someone would get back to me. I called again several weeks after that and was told there was an issue with my account and that it was showing my account had not been closed. She said she would figure it out and call me back the following day but I didn't hear from anyone. I am in the process of purchasing a home and my credit report was ran. It showed my vehicle had been repossessed and it was negatively affecting my credit score over 70 points. I called again today to find out more information about my account. I was transferred to their recovery team. They said my account was still open and that it should not be affecting my credit score because a final balance is not yet available. They said they were unable to provide me with more information at this time. I have never missed a payment on anything in my life. Not providing information on amounts due and how to pay them is unacceptable, especially when it is negatively affecting my credit and keeping me from purchasing a home. I have made multiple attempts at trying to fix this issue with no success.
Consumer complaint received 2020-08-10
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. (MN)

My leased vehicle was turned in early. I contacted XXXX to find out my balance, how to pay it, and when it was due. They told me they were unable to provide information on the remaining balance until the vehicle was sold. I contacted them again several weeks later and was told the same thing. A third time in contacting XXXX I was informed the vehicle was sold, however it would be an additional few weeks until it was processed. After several more weeks of no letters, no phone calls, or no contact from the company I called again. I was told it was still being processed and that someone would get back to me. I called again several weeks after that and was told there was an issue with my account and that it was showing my account had not been closed. She said she would figure it out and call me back the following day but I didn't hear from anyone. I am in the process of purchasing a home and my credit report was ran. It showed my vehicle had been repossessed and it was negatively affecting my credit score over 70 points. I called again today to find out more information about my account. I was transferred to their recovery team. They said my account was still open and that it should not be affecting my credit score because a final balance is not yet available. They said they were unable to provide me with more information at this time. I have never missed a payment on anything in my life. Not providing information on amounts due and how to pay them is unacceptable, especially when it is negatively affecting my credit and keeping me from purchasing a home. I have made multiple attempts at trying to fix this issue with no success.
Consumer complaint received 2020-08-10
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. (MN)

My leased vehicle was turned in early. I contacted XXXX to find out my balance, how to pay it, and when it was due. They told me they were unable to provide information on the remaining balance until the vehicle was sold. I contacted them again several weeks later and was told the same thing. A third time in contacting XXXX I was informed the vehicle was sold, however it would be an additional few weeks until it was processed. After several more weeks of no letters, no phone calls, or no contact from the company I called again. I was told it was still being processed and that someone would get back to me. I called again several weeks after that and was told there was an issue with my account and that it was showing my account had not been closed. She said she would figure it out and call me back the following day but I didn't hear from anyone. I am in the process of purchasing a home and my credit report was ran. It showed my vehicle had been repossessed and it was negatively affecting my credit score over 70 points. I called again today to find out more information about my account. I was transferred to their recovery team. They said my account was still open and that it should not be affecting my credit score because a final balance is not yet available. They said they were unable to provide me with more information at this time. I have never missed a payment on anything in my life. Not providing information on amounts due and how to pay them is unacceptable, especially when it is negatively affecting my credit and keeping me from purchasing a home. I have made multiple attempts at trying to fix this issue with no success.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXXXXXX XXXX  is reporting a account I have asked for everything on this XXXX XXXX  account including my signature be provided to me under section 609 I am entitled to this information or they must delete from my credit reports no information has been sent to me
Consumer complaint received 2020-08-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (OH)

The first I herd about this debt was XX/XX/20 I called and tried to work with them, I never heard back from them until XX/XX/20, Once again I tried to work with them I first spoke to a XXXX XXXX at MCM he gave me the option to pay today or send my account to an attorney XX/XX/20 I explained to him one day is not a reasonable time to give someone to pay a lump sum or be sued without notice. XXXX advised my they received my account XX/XX/20 and it was going to an attorney XX/XX/20. I spoke to his Manager XXXX XXXX who was very rude and unprofessional asking me personal questions that had nothing to do with the account, he then stated he was sending my account to an attorney tomorrow because I'm refusing to pay, I explained to him i was not refusing to pay on an recorded line he stated i was, I just don't understand how you can threaten to sue someone without proper notice. I'm sure this has to be in some kind of violation.
Consumer complaint received 2023-06-27
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. (LA)

In accordance with the Fair Credit Reporting Act, XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-08-10
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 — Problem with personal statement of dispute
Company: BAS Receivable Management Inc. (CO)

I had to be hospitalized in late 2019. I had insurance and I had XXXX This company keeps trying to get XXXX from me. They are committing insurance fraud because they did not submit my bill to XXXX. They put my account into a major derogatory status which the actually owe me money because I paid half of the bill.
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (KS)

I made a payment on my Discover card on XX/XX/2022 online. Without providing me any notification, Discover placed a hold on the payment despite posting the payment and the funds having been withdrawn from my checking account. The representative informed me that there is an 8-day hold on the payment to " investigate '' the payment even though they never notified me nor contacted me about any potential issues with the payment or any explanation as to why this payment was placed on hold and being investigated. As of XX/XX/2022 - much longer than the " 8 days '' promised, Discover still has not posted the payment or completed whatever investigation they are conducting. I have contacted Discover multiple times and they refuse to provide me with any information as to the reason for this investigation into my payment and they continue to refuse to fully post the payment and make my funds available.
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Optimum Outcomes, Inc. (TN)

They have called me multiple times and left multiple voice mails for " XXXX XXXX ''. I am not XXXX XXXX and I have had my phone number for many years! I also owe no medical debt. I have called them 4 times to let them know I am not XXXX XXXX and to quit calling me. They continue to tell me they will not call me anymore, but I continue to get phone calls from them.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On XX/XX/2014 I had automatic payment and the payment didn't process and was rejected. I did contact to discuss with the company and they said they will be fix and not going to report on my credit since was an system error and I never was notified on time.I been trying to deal with this for quite a few time, but this affecting me since I been trying to get a mortgage and I can't get approved because this. I can get approved because this marked as late and the company don't help me with this unfair situation.
Consumer complaint received 2020-08-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DE)

I am filing this compliant because XXXX And Experian have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified '' that I disputed. Please resolve this manner as soo as possible. Thank you.
Consumer complaint received 2020-08-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (MI)

XX/XX/2020 I contacted Bridgecrest requesting new payments dates because I got a new position and my pay schedule was changing. I was informed that because my loan was new I had no options XX/XX/2020 I contacted them to see if I could get adjustments so that my credit score would not be negatively affected they said they could not help me. 

XX/XX/2020 I contacted bridgecrest again by phone and I was able to catch my payments up. I asked for review of the two missed payments reported and they said they could do anything about it. 

XX/XX/2020 I wrote a letter asking to have the payment history adjustments ; no response from Bridgecrest. 

With the shock of the nation and COVID I have maintained a good payment history for majority of this loan. I believe that my payment history on my credit report should show that.