davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Onity Group Inc. (TN)

I have an existing reverse mortgage line of credit that is being serviced by PHH. 

A week ago I requested a draw of {$300000.00}, using their fax request form. 
After a week and no money in my account, I called them and they told me the request was denied because I did not have the request notarized. The form only says they MAY request a notary, but no one called me to tell me this was denied or they were requiring a notary. 

I got another request form, and had it notarized online on Monday, I just called PHH again to get a status of the second request, and was told it was denied because my signatures didn't match. 

First of all, I closed on this loan 7 years ago so our signatures would not match, but more importantly, this was notarized online, a perfectly acceptable process, and the only way you can sign is electronically in front of the notary. 

They have my money and are not giving it to me. I am in the middle of a real estate transaction which is now going to cost me penalties because I can't provide the funding I agreed to provide. 

I am more than upset that they keep changing the rules on me. There should have been an initial disclosure that any request over X number of dollars will require a notary, and that online notaries are not acceptable. Instead, they keep making up the rules as we go along here, and never bother to reach out to me. They said they called but my number was disconnected which is XXXX. I have had the same number for years. 

Thank you for listening.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-22
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. (TX)

I have continuously exhausted efforts to get items removed from my credit report that were a result of fraud/identity theft. I am unable to make any purchases due to my credit being damaged by whoever is opening things under my name. I have reported to both XXXX, XXXX, and TransUnion for months and there has been no change or update to the status of these accounts, as well as new accounts that are still being reported as a result of the incident. I just want my credit back to how it was before this mess.
Consumer complaint received 2023-02-25
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. (TX)

I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with XXXX XXXX XXXX and provide proof of proper investigation. 



Please provide me with a breakdown of all charges and dates of service. 

Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXXXXXX XXXX  to be removed from my credit report. 

All Accounts are listed below : XXXX XXXXXXXX XXXX Thank you
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX account number : XXXX Account name : XXXX XXXX XXXX Account number :, XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX account number : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-02-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.

This alleged debt is disputed on the basis it is statute barred under the Limitation Act ( NSW )
Consumer complaint received 2019-12-11
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)

I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2019-12-11
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. (AL)

Over a year ago I reported to transunuion that a company I had a loan with reported a late payment incorrectly I submitted to both my bank info showing pmt. The loan was pain in full XX/XX/XXXX. Again this month they reported another late pmt XX/XX/XXXX I made 2 pmts that month so far from late. They have wrecked my credit score its dropped over 100 points Ive had credit limits lowered bc of this incident they failed to investigate after I requested by certified mail as well as the company that reported it being wreck less and careless and I want to sue both companies now XXXX XXXX and transunion. They have carelessly changed their minds 4 times over this first it was XXXX then XXXX then XXXX now XXXX again so there is no way at all transunion investigated anything I sent them certified mail.
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (GA)

Security Credit Services continues to hold a debt in my name that is not mines. Per the records of request to have this item removed I have provided a physical copy of my passport as I do not have a license at this time as proof of Identity and I have also provided a copy of the police report and Affidavit. As requested for investigation I mailed this information within the 30 days of the document they provided me which is included in the documents in this package along with proof of mailed receipt showing delivery which is included. However after providing the documents requested via mail they have not provided any results of investigation and the debt still remains in my name even though Ive provided all the evidence theyve requested. In the previous complaint they stated that the ID was not legible so I have provided legible ID of my passport.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (TX)

I have two accounts on my credit that I am not responsible for. I have no knowledge of these accounts and they are fraudualent. 

1. XXXX XXXX XXXX # XXXX {$710.00} 2. UNKNOWN # XXXX {$330.00}
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I thoroughly reviewed again my credit report and I can still see the fraudulent item that needs reporting and correction through your company. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2019-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/2019 I went to the Golden 1 credit union bank atm to deposit money. I am not a customer of golden 1 but I am with XXXX XXXX XXXX and frequently use that ATM for deposits. I accidently put my XXXX XXXX XXXX EDD debit card into the ATM machine and proceeded to make a deposit of $XXXX. The machine kicked out $XXXX, I assumed because it was wrinkled.  It gave me a receipt, and I walked back to my truck, then realized i left my card in the machine. Upon walking back up to the atm I noticed a large amount of money going back into the machine. I grabbed my card and then noticed that I'd used the wrong card, looked at the receipt and saw that it said that my transaction had been canceled.  I went into the golden 1 bank showed them the receipt and told them what happened.  They told me they couldn't help me unless b of a sent them a Regulation E form. XXXX XXXX XXXX said they have no record of the transaction and therefore will not send the form. I have been on the phone with both companies back and forth for over a week and no one will help me resolve this.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have disputed this same account XXXX  XXXX XXXX with EXPERIAN for awhile no to no resolve.I requested an investigation into XXXX  XXXX XXXX reporting to my credit report as a charge offf.EXPERIAN states the item was " verified '' .My next request was a " method of verification '' used to validate said account and I never received it. Iv'e sent EXPERIAN a plethora of letters to correct my credit report and they have failed to do so.To date EXPERIAN has continued to report incomplete, unverifiable and inaccurate information on my credit report which has caused me damages.XXXX  and XXXX have removed charge off account, yet EXPERIAN  is still reporting act.According to the IRS publication a charge off is considered ordinary income and income in not reported to a consumers ' credit report, Therefore the charge off should be DELETED immediately.

EXPERIAN has violated the following FCRA laws : 15 USC 1681 e ) b ) 15 USC 1681i ( a ) ( i ) ( a ) 15 USC 1681 b 145 USC 1681a ( 4 )
Consumer complaint received 2019-12-11
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. (FL)

I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2019-12-11
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: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  are reporting an unsubstantiated claim by XXXX XXXX XXXX XXXX Apartments a collection in the amount of {$3100.00} partial account number XXXX. ( Please see page attached from my credit report. ) I vacated the apartment complex within the terms of lease. I did not renew the lease. Prior to leaving, I spoke directly with the property manager and returned my keys. I asked specifically if there were any additional items that needed to be addressed and I was told there was nothing else ; I was told I would be getting my full security deposit back ; and I remember them wishing me good luck as I left the main office. It was only until I obtained a copy of my most recent credit report did I discover there was a collection. I was not aware of any collections or money owed to the apartment complex because I never received an itemization. In fact, I never had any communication from them. I do not now, nor did I in the past, have any outstanding debt with XXXX XXXX  XXXX XXXX Apartments. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-22
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: TekCollect Inc. (MD)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate This is grounds for removal. 
They also violated my rights under 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 a account without my written instructions.
Consumer complaint received 2023-02-25
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. (FL)

I have submitted multiple disputes to remove XXXX XXXX XXXX from my credit report for over a year. I totaled my car XX/XX/2021 and it was written off before XXXX XXXX bought my loan and added {$5300.00} to the original amount. XXXX XXXX continues to try to collect the debt from me for {$5300.00} and ithey keep reporting this going on 150 days. My original loan was for {$15000.00} and only after my lloan was sold did an extra XXXX was added. And I just saw the news article on your website that XXXX XXXX is being sued in NY because they are doing it to majority of their customers
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report.
Consumer complaint received 2023-02-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

My home mortgage was transferred(unknowingly to me) to Mr Cooper. Since the transfer they told me that my auto pay would not transfer from my old company. During this time my old company, XXXX XXXX, took the normal mortgage payment out of my bank account. Mr. Cooper then began asking me to make a payment. I told them that XXXX XXXX already took the payment from my account. Mr. Cooper then told me that was okay and they would get the payment from XXXX XXXX. I then received a phone call a few days later from Mr. Cooper. They told me that my auto pay had transferred from XXXX XXXX and that my auto payments would start in XXXX  as my XXXX  payment had already been paid to XXXX XXXX. On XX/XX/19 Mr. Cooper sent me an email saying they had taken my mortgage payment out of my account. I called them and they said it was just normal business and they would try to fix it, but I was not allowed to speak with a manager or get anything in writing saying that they would fix it. They then told me that if I don't want to be double charged then don't use their auto pay. I have been calling trying to find my money and speak with a manager, but I have not had any luck yet.
Consumer complaint received 2023-02-25
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. (NV)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX