davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

My husband and I live in our home XXXX XXXX XXXX, TN XXXX. It was sold to Mr. Cooper/NationStar on XX/XX/2022. Since the transfer they have purposely missed applied payments, refuse to do the VA modification loan. Instead they are trying to force my husband to do a modification with a higher interest rate. They have given my husband statements after statements with wrong amounts. We were only behind one payment, and we worked hard to catch it up. They stated to the VA liaison that one of our payments never cleared the bank when we show that it did with bank statements. They are constantly stating that if we don't get it caught up in 1 month they will start Foreclosure. VA has guidelines that help veterans and they are not following those guidelines. Even our escrow account is mishandled where it is steady growing negative since they are miss applying monies.
Consumer complaint received 2019-11-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GMA Investments, LLC (TX)

After speaking to my insurance company regarding payment of the claims, my insurance informed me that they had requested the company call them and/or submit additional information regarding the claims. My insurance company informed me that because XXXX XXXX did not communicate and respond to them the claims were not paid. 

After my dispute of the 8 different collections on my credit reports ( XXXX, XXXX and XXXX   ) it appears the XXXX removed the collections in XXXX, 2019 and resubmitted them as new in XXXX, 2019.
Consumer complaint received 2022-10-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

its been over 30 days- 60 days and transunion XXXX XXXX XXXX XXXX failed to respond to any of my letters or request. i am getting ready to file a lawsuit in XXXX courts for damages and violations. they are violating the FCRA.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX || Date of inquiry : XX/XX/2022
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I've sent transunion multiple documents most recently on XX/XX/2024 stating I did not authorize the 10 hard inquiries on my report. None of these credit transactions involved the extension of credit to, me, the consumer, without permissible purpose or authorization.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Theres some unauthorized hard inquiries on my credit report that I dont recognize. I never made any inquiries with those businesses. They did not get my permission to look at my credit. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureaus to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NJ)

I applied for a credit card with Synchrony using an authorization code. The Authorization code was received in the mail addressed to me. I was approved using this code and once I received the first statement, the promotional APR period was different than what was advertised using the promotional code. The promotional code was for 0 % APR through XX/XX/XXXX and my statement lists the promotional code through XX/XX/XXXX.
Consumer complaint received 2019-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I didnt even realize that this collection agency was trying to collect this debt. Recently received notice that they are repeatedly reporting this on the credit bureaus twice a month as if new. This has dropped my score by 150 points from flagging chapter XXXX dismissed repeatedly. I had no knowledge of the debt owed to them. My debt was satisfied with a 1099c from original debtor. I do not owe this company and now they are abusing my credit report. I have uploaded pictures of the 16 times they have flagged my credit over the last 8 months. This amount isnt even the amount I originally owed the original creditor, it is more
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXXXXXX XXXX XXXX status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I was trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies to remove all fraudulent accounts immediately.
Consumer complaint received 2020-01-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ZIONS BANCORPORATION (ID)

In XX/XX/XXXX I purchased a second vehicle so my husband and I could have our own vehicles. In XX/XX/XXXX we got a divorce and I ended up with both vehicles and could not afford both payments so I did a voluntary repossession. In XX/XX/XXXX the company filed a judgement against me for an amount they say I owed, which is about XXXX more than the vehicle loan was for. I was not in a financial place at the time to pay off this balance. I did not hear from them again until XX/XX/XXXX at which time I made payment arrangements with them. I asked several times for them to provide me with a break down of the amounts owed, what the car was sold for, a balance after my payments were received. They could not provide this information to me. I made timely payments, and then I did not hear from them again and the payment was not taken out of my checking account. At this time the judgement was also removed from my credit report. As a consumer I assumed the company wrote the debt off. Today XX/XX/XXXX my employer called me and said they received a notice from them saying to garnish my paycheck. I again have not heard from them and have not received any mail notification before they contacted my employer.
Consumer complaint received 2020-01-03
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. (PA)

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let the payments lapse on this account with XXXX XXXX ( XXXX XXXX XXXX ) but when I was able I paid the account off in full. Which was this year XX/XX/2019. I paid a total of XXXX for them to update this account to reflect positively for me and nothing has happened. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it the account is paid. They consistently tell me that it's not up to them, the bureaus have to do this on there own. They don't have much empathy either, just take the money and were not helping you. The XXXX XXXX ( XXXX XXXX XXXX ) account has been paid in full, I would like them to update the payment history or just remove the account please so my score can increase and I can move forward with helping my family properly. I will attach the paid in full receipt letter that XXXX XXXX ( XXXX XXXX XXXX ) sent me to this complaint. It's paid so please help me out and update the history of this account so I can better our future.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (GA)

I sent Equifax a disputed account verification letter regarding an account that was disputed with XXXX and deleted but Equifax is still reporting the account. The letter was sent on XX/XX/ and Equifax never responded to my request. I would like for this account to be removed from my Equifax report immediately.
Consumer complaint received 2020-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

in XX/XX/2019, two debts were created by the Department of Veteran affairs for amounts of {$150.00} and {$3100.00} for education benefits. The debt was created by the college because someone made it look like I was unenrolled from a course without my knowledge. The debt went to collections and dropped my score 180 points. All the letters from the VA were going to an incorrect address and I was never properly notified of the debt. Once made aware of the debt I instantly disputed it with the VA as an error providing a transcript showing I completed the semester in question, a document I have attached here. After 6 months of fighting and proving the debt was an error they corrected the mistake and show the balance as {$0.00} and I have also attached the letter sent saying it was an error and it has been corrected. I disputed it with XXXX  twice trying to get it removed from my credit report because it was an error. They will not remove it because when it was reported back in XXXX they are saying it was an accurate debt. It was only after 6 months of proving that it wasn't that they closed the account but have not removed it from my credit. The accounts are closed and the balance is XXXX but are still having a significant negative effect on my credit and creating a finical hardship on my family.
Consumer complaint received 2022-09-05
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. (CT)

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 a account without my written instructions.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have written Equifax and asked that they provide me with proof of how the following accounts were verified. I requested proof of the original contracts that I signed with each agency and the statement that I agreed to about how these companies and I would handle late payments and if the accounts were closed what we would do. As of today, I have never received proof of how these alleged accounts were verified as accurate and I never received the original contracts that I signed with these companies. Therefore, I am requesting that these accounts be removed from my credit report as soon as possible. The accounts in question are : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

My assumption process started way back in XXXX on the XXXX, XXXX. I am still waiting! I have made numerous calls and emails to company regarding this. I submitted all they asked for twice by email and once by fax. I received a letter dated XXXX XXXX saying they were denying my application for the following reason, Credit application incomplete they sent me a refund check for XXXX and said processing fee they were keeping of XXXX . I have NOT cashed check. Spoke to XXXX XX/XX/XXXX who said the processor could not give a straight answer as to why it was denied and would send to underwriting and would have them contact me. Called AGAIN XX/XX/XXXX Per XXXX it is on a first come first served basis! Called AGAIN XX/XX/XXXX Per XXXX should have had a status update by XXXX but the loan dept not open that day. Called AGAIN XX/XX/XXXX XXXX said to send her all the documents again that I sent over and she will personally handle it. CRICKETS!!!!! XX/XX/XXXX CALLED AGAIN Spoke to XXXX who said he will take hold of it and contact underwriting and corporate office. XXXX XXXX!!!! 
I am out XXXX $ FOR THIS???? I need to assume this mortgage for divorce reasons. I have been paying this mortgage for 2 years on my own already!! 
I NEED ANSWERS
Consumer complaint received 2019-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (VA)

I have a Paypal account. PayPal frequently emails me invitations to apply for their PayPal MasterCard credit card. In each of these emails there is a link to unsubscribe from these types of offers ( what they call News and Promotions ). The unsubscribe link is broken and leads to a page saying nothing was found at that location. To stop receiving these credit card offer emails I have logged into my PayPal account - the settings are already set up to refuse these offers. I have sent them a message through their portal asking them to please stop sending me credit card offers. Most recently I called Paypal customer service to ask to stop receiving these. Each and every time they assure me they will stop sending the offers, and then proceed to email me again prompting me to open up a credit card. This is a nuisance and a contradiction of what they have communicated. Can you please assist?
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2020-01-03
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: EQUIFAX, INC. (GA)

Hello I have reached out to you all last year about some items on my credit I know nothing about There is still one account on my credit that I know nothing about Its from XXXX/XXXX. I XXXX  them and it looks like a student loan place. Please have this removed from my credit so I can help my mom get a car so she can have a better car to take my nephews and nieces to and from school. I have contacted the FTC twice and my local police.
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AK)

I went into my Carrington online account and increased my payment to pay off debt quicker. 
From that page, I increased my payment, saved it, and moved on. 

Then I missed a mortgage payment that was unknown to me. Please understand I have the money in the account. It was never short on money. I have been on auto pay with this mortgage since XXXX and never a missed payment, and I don't believe any have been late. 

I got a notice in the mail that I needed to contact Carrington mortgage because of this missed payment. I called them on XX/XX/XXXX. I talked to several people and they could not help me. They had reported me to the credit bureau on XX/XX/XXXX they said. Nothing they could do. This was the only mailing I got. No phone message or anything else. When I called them, I asked them if they called me. They said their records show they did. And their records were detailed enough to show them that they did not leave a message ( just as I said ). I asked why they did not leave a message on something so important and he could not give me an answer. 
After XX/XX/XXXX I received more mailing but it was too late to save my credit score. It dropped from XXXX to XXXX. I know that is still good, but this is so upsetting. I have been really trying to break 800. 

***I will attach a letter with more details. Please help me to contact this company and remove this from my credit report. I should have received several mailings and also received several calls and messages. Never a voicemail. That is shocking! 

***also, there is no other comment section, so I will add this here. You asked what type of mortgage it was. I checked Conventional. I actually believe it is a VA XXXX loan. But your section asked if it was a VA loan ( active duty or Veteran ) and I don't think it is the same. But I am not a veteran. I bought this property as a  foreclosure. I wanted to clarify so that you understood why I marked conventional. I did not want the system to start asking me questions about my documentation as being in the service, because I am not. 

Thank you in advance for your help.. 

Sincerely, XXXX XXXX