davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

This is XXXX XXXX with XXXX XXXX XXXX XXXX XXXX. I have been attempting to obtain a payoff from Rushmore Loan management and continue to get the runaround. I have faxed 3rd party authorization multiple times i have fax confirmations. I am only trying to get a payoff statement so we can close on the customers sale and payoff rushmore. They are bouncing me around, no response no ETA. Again I am trying to PAY THEM OFF i am with a title and escrow company and can wire their funds to them by tomorrow if they would just issue a payoff statement. They are so consumed with negotiating debt they don't know what to do when someone just needs a payoff statement
Consumer complaint received 2019-04-11
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. (CA)

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on 3.11.19. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts.

For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts.

Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX Opened Date XX/XX/XXXX, Balance {$6700.00} XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$65.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Consumer complaint received 2019-04-11
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. (VA)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the USD/GLELSI account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-09-19
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. (GA)

This is my fourth time asking for an investigation of a XXXX XXXX XXXX   XXXX ( XXXX ) reporting on my credit report. I asked in each of the four letters who verified this information and could they provide me with an original contract with my signature. I also contacted XXXX XXXX XXXX with several letters for proof of verfication and an original document with my signature and they also couldnt provide me with anything. After my second letter XXXX  deleted the account because they could not verify or provide me with proof. XXXX, and Experian have refused to delete this information and even though they say the information is verified even though they have not provided me with proof. Experian even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investigation. Experian, and XXXX   always claim they are re-investigating and each outcome on my credit results have either been stated that it is verfired or updated. Im still waiting for proof of verification along with original documentation with my signature. I even went as far as sending in a copy of my XXXX report to show Experian and XXXX  that this account was deleted.
Consumer complaint received 2023-08-19
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: Exeter Finance, LLC. (NC)

On XX/XX/2023 and XX/XX/2023 I contacted XXXX via correspondence by mail to remove Exeter finance, XXXX and XXXX XXXX XXXX XXXX off my Credit Report. I have contacted each company twice by a formal letter and over 10 times for each company via phone. I was a victim of identity theft and also provided all documents each company requested ; including the identity theft reports. I have provided the burden of proof numerous times and nothing has been done. As a result, I was released from my job do to these reporting on my credit and have been denied for 2 jobs. I am a XXXX in the XXXX XXXX. I have been denied for 3 homes for my family and myself. Law.states : As per the Fair Credit Reporting Act, Section 609 ( a1 ) ( A ), it is required by federal law to physically verify the original signed consumer contract for any accounts posted on a credit report This verification process is essential to prevent fraudulent accounts from being included in the reports. especially since individuals pay for these reporting services I have demanded multiple times to see verifiable proof ( i.e. : an original consumer contract with my signature on it ). Not one of these companies have complied and sent proof. This is my last attempt to demand these accounts are removed. If not, I will be suing each company and each credit bureau seeking maximum damages.
Consumer complaint received 2019-04-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Aqua Finance, Inc. (TX)

I took out a personal loan with XXXX XXXX and XXXX XXXX to build a pool. The company said that I could not qualify for a Home Equity Loan which would place a lien and provide better rates and terms. This is the reason we did the as a personal loan. After the loan was booked it was brought to my attention that the company did in fact file a lien. This lien is now preventing my ability to refinance our mortgage for a lower interest rate. Aqua Finance and XXXX XXXX provided my an unsecured rate on a loan and did not disclose the fact that the loan is in fact secured through their lien on my home. This is a deceptive and abusive practice and is also against the XXXX XXXX  XXXX Home Equity Lending laws
Consumer complaint received 2023-01-28
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Auto Lenders, Inc. (TX)

National Auto Lenders is reporting an inaccurate repossession on my credit reports. 

I have disputed this account directly with National Auto Lenders, and in return of my dispute I received a copy of a sales contract and no other documents. If they are able to report an inaccurate repossession on my reports, shouldnt they have a statement to prove all payments and fees? They should include the billing statement, proof of them notifying her when the car was sold, a letter showing how much the car was sold for and other disclosures. 

A sales contract is not proof of debt and if they can not provide valid documents to show how and why this account is reporting as a repossession, they do not have the right to report this account on my credit reports. I am requesting that all further documents be sent or this account to be deleted from my reports now!
Consumer complaint received 2019-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rhode Island Housing and Mortgage Finance Corporation (RI)

I opened a XXXX FHA loan with Rhode Island Housing in XXXX for my primary residence. When I opened the the loan, Private Mortgage Insurance ( PMI ) was added and I was told by the loan officer that I could remove PMI once my home had enough equity vs. the loan amount and I could show a good payment history. In XX/XX/XXXX, I proceeded to send a letter to Rhode Island Housing asking if PMI could be remove since the value of the house at the time was approximately 230k and I only owned XXXX. I received a response stating that 1 ) PMI could only be remove once the loan to value ratio equal 80 % of the original loan amount with proof of the no decline in the property value and 2 ) 24 months of satisfactory payment history. Further, the letter indicated that to satisfy the 1st requirement, my loan balance had to be reduce to {$100000.00}. 

Based on this information ( despite what i was told initially ), I made it a habit to pay a little extra each month so it could be applied towards principal. In XX/XX/XXXX, several payments towards principal were made and I was finally able reduce the loan balance below 102k. I than reached out to Rhode Island Housing on XX/XX/XXXX and again requested that they remove PMI from the loan and received confirmation that my request was received and would be forwarded to a manager to review. After weeks of waiting and waiting and following up with them, I finally received a response via mail on XX/XX/XXXX stating that my request was denied due to " Investors Guidelines ( XXXX ) '' which I have no idea what that means and why they are making this process so complicated? This has been a terrible experience and I request that the PMI that was charged since my request was submitted to be refunded back to me and for the PMI to be remove on the loan immediately. Further, I request all information in writing in the event that I need to pursue this through an attorney.
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TN)

I was sent a letter from an attorney stating it was an attempt to collect an over due bill in the amount of {$2600.00} for some home design project. The claim is that I open this account in 2005. the problem I have never had a home design account with anyone. They also said this account was purchased by another lender. After speaking to the bank I called XXXX  and spoke with them and XXXX  which in turn started an investigation. the investigation took 60 da.  At the completion the claim was it has been verified that this account belongs to me. This does not belong to me and I had absolutely no knowledge of this until notification. Then I started my on digging and found my social security number and name XXXX XXXX and XXXX XXXX listed on my credit report I have never these also the birthday as XXXX which is not correct. The account is with synchrony bank some where in XXXX and also claims I have an apartment in XXXX, Texas. Thank You
Consumer complaint received 2019-04-11
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. (CO)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page 27 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I called Cap1 credit card division when I realized my checking account paid an auto payment of {$160.00}, {$50.00} OVER MIN pymt due & also made a {$210.00} payment, not realizing I had signed up for Auto Pay. I can't remember when I ever, ever bounced my checking account. However, I've been having issues remembering things in the last few years. I called Cap1 to see if they would send back the {$210.00} second payment made on XXXX 3rd.due date. The agent checked to see if he could reverse the payment or refund online, the way my bank, XXXX XXXX XXXX, paid the {$210.00} on the XXXX. He called my bank & we listened to what checks went thru & the {$210.00} & the {$160.00} auto pay both cleared. 
He then told me to call back he now would have to 'mail ' by check my already cleared money. A nasty lady got on the phone & said I would receive a check in the mail in XXXX days. Today, the XXXX of XXXX I received a 'letter ' saying they were sending the check thru the mail. 98 % of the time I NEVER receive the credit cards they send me & all for XXXX  % interest!!! HELP. I DoNot want to have Cap1. They always charge {$40.00} late fee even if it's XXXX minutes late, 29 % interest which I did NOT originally sign up with. I doubt I will ever see that check.
Consumer complaint received 2021-02-18
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)

The account XXXX XXXX XXXX  is not my account. The account does not belong to me. This means that I was not the person which had this account with XXXX XXXX XXXX. XXXX XXXX XXXX  has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the XXXX XXXX XXXX  account must be deleted from my credit report
Consumer complaint received 2019-02-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IN)

The mortgage loan I have with Ocwen matured on XX/XX/XXXX. Since then, I have been attempting to work out a payment arrangement on a balloon payment. They would not accept any payments from me except for full loan payoff. I always make my payments via XXXX. 

After several attempts to contact the relationship manager, I was told to make a payment of {$680.00} to cover the XXXX and XXXX payments. I sent the {$680.00} directly to them through their website. I also submitted the mortgage modification application they requested. When my next mortgage statement arrived, I saw where the {$680.00} was in suspense/unapplied funds. I contacted them again and I was told that they would be returning the {$680.00} to me in the form of a check, and that I would be notified regarding the modification. The check was dated XX/XX/XXXX. I also tried to make two more payments via XXXX which were rejected. 

In XXXX, XXXX, I received the Trial Modification payment notice. I was to pay {$320.00} on XXXX XXXX, XXXX. That week, I went to the XXXX location to pay it and this time, the payment was accepted. However, a few days later I got a letter from Ocwen informing me that I am not qualified for a modification because I am 90 days late or more, and that I can get my {$320.00} from XXXX.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX CT XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : {$10000.00} XXXX XXXX XXXX : {$970.00} XXXX XXXX XXXX  : {$640.00} XXXX XXXX XXXX  : {$1500.00} XXXX XXXX XXXX XXXX  : {$2100.00} XXXX XXXX XXXX XXXX  : {$3200.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$1600.00} XXXX XXXX XXXX  : {$49.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$1700.00}
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MA)

In an effort to purchase a home, I had to unfreeze my credit through all three credit report bureaus, of which Experian was one. I was eventually able to gain access to my account through Experian, and managed to release the credit freeze on the system which I had committed around the period of the last large data breach ( XXXX ). 

I do not recall purchasing or seeing my consent placed on purchasing a {$21.00} a month Credit Report Subscription which I did not need nor did I want. There may have been wording that described a free trial, but all I needed to do was gain access to my account and release the credit freeze. 

My surprise came when my credit card was billed twice for their service for which I do not recall seeing a charge or fee described for. It is insulting that an agency I have to deal with can tack on a surcharge and bury it so as to trick consumers into paying for an altogether unnecessary service. 

For others contending or about to contend with their credit report : Assume all the credit bureaus are going to charge you for a " product '' and make it very difficult to determine if you are being charged for it or not.
Consumer complaint received 2023-08-18
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. (MD)

This falls under a breach of 15 US Code 1681s-2, which outlines the obligations of entities providing information to credit bureaus. They failed to furnish me with prior written notice regarding the account before including it in their report. Consequently, I insist on the removal of said account from my credit report due to my disagreement with the alleged debt.

Furthermore, their actions run afoul of my rights as specified in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes for consumer reports. They reported the account without my authorization and misused my social security information. Thus, as a victim of identity theft, 15 US Code 1681c-2 obliges the blocking of such information unless I explicitly grant permission in writing.

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my privacy rights. Regrettably, your organization has breached my consumer privacy by publicly disclosing this data without my consent.

I urgently request the immediate removal of this account from my credit report.
Consumer complaint received 2019-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westlake Services, LLC (TN)

XX/XX/XXXX Prior loan from Westlake Financial that was charged off in XX/XX/XXXX, still shows a balance owed to thrm of {$1500.00} on my XXXX credit report. I discussed this issue with them in XX/XX/XXXX thru XX/XX/XXXX to get this mistake fixed and was told this charge off and balance would be removed due to car being sold at auction by them. Recently I applied for a personal bank loan and was denied due to this severely derogatory listing on my credit report.
Consumer complaint received 2018-04-09
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: I.C. System, Inc. (TX)

I have contact this company before stating I have no valid contract with them. They sold my debt to another company. I have contacted this company and disputed the debt. I have no valid contract with them. Please cease and desist all contact. Please remove all falsely reported information off my credit reports. Please do not sell this debt for something you have no valid contract on. This is in no way saying I owe this debt.
Consumer complaint received 2019-04-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (CA)

I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.