davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
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. (LA)

I've previously disputed inaccurate accounts with Transunion several times over the past year via XXXX Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... This specific account XXXX XXXX is recorded in negligence and needs to be removed. I've been disputing this XXXX XXXX account for over a year now with Transunion, this account Re-Ages every month when this collection agency falsely states that this account is verified and shows an inaccurate OPEN account status. This is inaccurate reporting. Transunion remains in non-compliance.
Consumer complaint received 2022-10-14
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. (PA)

XXXX XXXX XXXX IS REPORTING ADVERSE INFORMATION ABOUT ME TO CONSUMER REPORTING AGENCIES. I DID NOT GIVE WRITTEN CONSENT TO FURNISH PRIVATE INFORMATION ABOUT ME TO ANYONE. AFTER VIEWING MY CONSUMER REPORTS, I NOTICED INCONSISTENCIES IN THE INFORMATION BEING REPORTED FROM CONSUMER REPORTING AGENCIES BY XXXX XXXX XXXX XXXX ALONG WITH THAT INFORMATION BEING ADVERSE TO ME. I DEMAND THAT XXXX XXXX XXXX DELETE THE ACCOUNT IMMEDIATELY. ATTACHED WITH THIS COMPLAINT IS MY COMPLAINT LETTER, PROPER IDENTIFICATION, AND SCREENSHOTS OF THE ALLEGED ACCOUNT FROM CONSUMER REPORTING AGENCIES SHOWING THE INCONSISTENCIES OF THE REPORTED INFOROMATION. XXXX XXXXXXXX XXXX  HAS DISHONORED THE UNITED STATES CODE AS WELL AS MY RIGHTS TO PRIVACY AND KILLED MY CONFIDENCE IN THE BANKING SYSTEM. I DEMAND A RESPONSE WITHIN 10 DAYS FROM THE RECEIPT OF THIS COMPLAINT. HAVE A NICE DAY!
Consumer complaint received 2021-03-09
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Credible Labs Inc. (VA)

" Credible.com '' offers a best rate guarantee ( terms attached ) that pays {$200.00} if you close on a better rate at a different company. I made a Credible loan refinance search on XX/XX/21 ( results attached ). The best rate offered was 3.32 % from XXXX XXXX ( details attached, note that rate includes " auto-debit discount '' ). 

On the same day I made an identical search and was offered a better rate from XXXX of 3.10 % ( search results attached ) for the same loan information entered at credible. I chose to refinance with XXXX and submitted a claim with credible. Upon receiving my loan agreement from XXXX I submitted that to credible ( email and XXXX terms attached ). 

On XX/XX/21 I received an email from Credible denying the request citing that my rate from XXXX was actually 3.35 %. This rate does not include the the auto-debit discount of 0.25 %. Per the best rate guarantee terms " The Better Rate will be compared against your prequalified rates on Credible with autopay considered where available ''. I replied to their email pointing out their error and that I was eligible. They have replied to no further correspondence since i pointed out their error.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX  is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

A computer glitch that was transunion problem caused my inquiries to be deleted. Transunion later added them all back to my credit report without giving me legally required 5 day notice prior to re adding them. I contacted Transunion several times in good faith asking them to remove the inquires they illegally re-added. These inquires add a hardship and my rights were violated by Transunion
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Request has been made to Nationstar Mortgage Holdings Inc in XXXX of XXXX  to remove Private Mortgage Insurance ( PMI ) due to 80 % loan to value being met. Nationstar refused to submit a request for an appraisal to be done due to the loan being under 2 years and no " major updates/ square footage '' being added to the the home. The home has gone through and extensive porch renovation, plumbing replacement, and complete bathroom remodel. Nationstar alleged the prior mentioned renovations are " maintenance '' and would not meet the requirements to obtain an appraisal for PMI removal. According to THE SERVICING GUIDE / Part B, Escrow, Taxes, Assessments, and Insurance / Chapter B-8, Mortgage Insurance / Section B-8.1, Conventional Mort / B-8.1-04, Termination of Conventional Mortgage Insurance obtained from the XXXX XXXX Website . 

We meet the following excerpt : If XXXX XXXX minimum two-year seasoning requirement is waived because the property improvements made by the borrower increased the property value, the LTV ratio must be 80 % or less. 
Note : The borrower must provide details to the servicer on the property improvements made since the mortgage loan 's origination. Improvements that increase value are typically renovations that substantially improve marketability and extend the useful life of the property ( e.g. kitchen and bathroom renovations and/or the addition of square footage ). Repairs that are made to keep the property maintained and fully functional are not considered improvements.
Consumer complaint received 2019-09-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (WI)

I became XXXX on my job, the supervisor call the fire department, and I was taken to XXXX XXXX XXXX Hospital , Inc because I has XXXX XXXX I was admitted over night. They took XXXX  and put me in a room and given XXXX XXXX for XXXX and I talked to a few doctor about my pain. Than the next day I was discharged. I have received over 4,000 dollar in medical bill. This happen in XX/XX/XXXX XXXX. I just got another bill {$2300.00}, I am already paying collection {$100.00} a month. I don, t believe this is right, I do not owe all this money. I am XXXX year old, now I have to work just to pay this bill. I had a problem with my XXXX XXXX  insurance. which did not pay the Hospital. I thank I am over paying these people. What do you thank.
Consumer complaint received 2023-03-26
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: EQUIFAX, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-21
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. (FL)

Hello my name is XXXX XXXX and my personal information was leaked and effected by the data breach that took place in 2017. I wrote a complaint prior but I was emailed that the companies could not find me in there system. I have been experiencing extreme hardships with these fraudulent accounts on my credit report for some years now. I have tried to dispute the issue with the three bureaus but it has been nothing resolved. I've been directed to you guys in hopes to getting these accounts finally removed and end this long and tiredsome process. Thank You.
Consumer complaint received 2019-07-17
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. (CA)

On XX/XX/2019, I submitted and mailed a certified letter to TransUnion Consumer Relations for which they signed for on XX/XX/2019 regarding negative information reported by XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharge in the file they maintain under my Social Security number. 

I challenged the accuracy, compliance and reportability of the listing and their Method of Verification. 

TransUnion failed to investigate with in the 30 day required by Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2021-07-21
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. (FL)

Hello my name is XXXX XXXX and my personal information was leaked and effected by the data breach that took place in 2017. I wrote a complaint prior but I was emailed that the companies could not find me in there system. I have been experiencing extreme hardships with these fraudulent accounts on my credit report for some years now. I have tried to dispute the issue with the three bureaus but it has been nothing resolved. I've been directed to you guys in hopes to getting these accounts finally removed and end this long and tiredsome process. Thank You.
Consumer complaint received 2017-07-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

In XXXX, I made a complaint against Ocwen Loan Servicing regarding they 're servicing of my loan. There was no resolution to the problem. I hired a lawyer ( {$6000.00} ) in XXXX that said I had a strong case against Ocwen and agreed to sue Ocwen on my behalf. In the end for {$6000.00} the only thing he 'd done was to stop the sale of the house temporarily and get another loan modification. Which after the modification trial period wanted me to agree to a {$30000.00} FHA loan and agree not to sue Ocwen. I did not agree. Ocwen kept me in a state of foreclosure since XXXX. Every month in XXXX I kept recieving delinquency notices. I called Ocwen to make sure the money was being received and was told yes it was being recieved. Then in XX/XX/XXXX, I was told I was so for delinquent they would n't take payments any longer. That 's when I contacted CFPB. There was no resolve to the problem at that time and that 's when I hired XXXX XXXX. In XXXX after I 'd not accepted the offer for the modification my home went back on the court docket for sale. I then hired another lawyer, XXXX XXXX, bankrupcy lawyer, to avoid the sale of my house. I am currently under a chapter XXXX bankrupcy in order to save my house. After years of trying to get information regarding what I actually owe on my home I still do n't have any clear document stating what is owed or what all the fees and fines are for and monthly late fees. Nothing! I have entered into this bankrupcy just to save my home. I have spent {$10000.00} to save my home and Ocwen has not been held accountable for any of what they 're responsible for.
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-25
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. (AL)

I sent a letter to XXXX XXXX XXXX asking for a copy of the ORIGINAL Contract with all parties involved signatures and gave them 14 days to do so. If they were not able to provide me with the contract, I requested that they cease and desist all collection activities, including reporting to all consumer reporting agencies/credit bureaus. I also promptly requested deletion of any and all prior reporting that was made to all consumer reporting agencies/credit bureaus along with a copy of the letter sent to the reporting bureaus. XXXX XXXX XXXX refused to do so. Instead, they sold the account to XXXX XXXX XXXX. I will be sending the same letter to XXXX XXXX XXXX. I DO NOT have a contract with XXXX XXXX XXXX, nor do I have a contract with XXXX XXXX XXXX.
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Hi CFPB staff, I opened a credit card at BECU and transferred a balance onto it. I scheduled regular payment unknowingly a day later than they were due. As a result, I received 7 late payment reports ( rather than 1 with 6 on-time payments ) beginning when I missed the first payment. BECU refused to correct the mistaken late payment reports to the credit agency and my score suffers ( and will continue to suffer for another number of years ) as a result.
Consumer complaint received 2023-02-10
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-09-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northwood Asset Management Group (MI)

On XX/XX/2019, I received a VM from the number XXXX, which is the Superior Court of California-XXXX XXXX. The man ( XXXX XXXX ) identified himself as a process server to deliver the court summons to me because of some unpaid debt ( {$2700.00} and some change? ). I searched on the court website to see if there was any case under my name at the court, but there was none. I confirmed it with the court over the phone as well. So I called the number the process server told me to call in the VM. I was told to speak with an attorney ( XXXX XXXX? ). The number was XXXX, and it was XXXX XXXX. Instead, I spoke with a man ( XXXX XXXX ), and he was inconsistent with what he was saying. He once said there was a criminal case filed against me, and then said the court didn't know anything about my case yet. Next day I called again, and he said there was a civil case. So I kept asking if there was really a case filed against me. I even asked if the guy or the company was impersonating the authority by spoofing the court 's phone number and committing fraud by providing false, threatening information. The guy got frustrated and upset and started talking nonsense that I could not understand at all. Later I found out that they are a subcontractor (? ) or an outsourcing company hired by a company name Northwood Asset Management ( XXXX ).
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the provisions outlined in 15 USC 1666b, late payments linked to accounts identified as XXXX and XXXX must be removed from my credit report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

We pay off our credit card bill fully every month. 

We have autopayment to pay this credit card. 2 payments were taken and the bank refuses to send the other payment back in a timely manner. 

on XX/XX/2023, 2 payments of more than {$11000.00} ( {$22000.00} total ) were taken from our local bank to pay the credit card bill. 

the Bank, BoA, is saying that it could take 2 full months to return the money. We have called them and escalated the issue to supervisors with zero results. We need assistance to compel BoA to return our money. We do not understand why they can legally keep our money hostage for such a protracted time.
Consumer complaint received 2021-03-09
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. (NJ)

Upon reviewing my updates, the XXXX XXXX XXXX account was still found in my report which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was on XX/XX/2020, but no response was ever received from them to date. This account, in my report, is late payment for the months during the pandemic. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized.
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act XXXX 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. Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute an item on my credit report. According to the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), I have the right to dispute any inaccurate or incomplete information on my credit report. There are accounts on my report that I have already paid off and have been trying to remove. The XXXX  XXXX  is. XXXX XXXX XXXX, the XXXX  XXXX  is XXXX XXXX, the XXXX  is XXXX XXXX XXXX XXXX. Please remove these items immediately from my credit report. Thank you
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CT)

Received letter from XXXX XXXX informing that the my mortgage new loan servicer is Rushmore Loan Management, XXXX, California. Letter from Rushmore states that XXXX XXXX XXXX is the new loaner creditor, and Rushmore is the servicer. A second letter from Rushmore states that XXXX XXXX is the loan creditor. Red flag on Rushmore for not knowing who is loan creditor. Also, amounts of loan on Rushmore letter were incorrect. This is a second red flag with Rushmore. I reached out to call XXXX XXXX over the phone and at a location. XXXX XXXX said loan balance shows XXXX and could not view any amounts of loan. Why is the second letter from Rushmore stating XXXX XXXX is the loan creditor if XXXX XXXX is showing XXXX  balance? Rushmore is showing too many inconsistencies. I have no choice I have to send my payment to Rushmore as XXXX XXXX could not accept payment with loan showing XXXX  balance. My complaint is with both companies, Rushmore for too many inconsistencies with loan amount and not knowing loan creditor, and XXXX XXXX for not reaching out to me with other options than having Rushmore service the loan. XXXX XXXX gave me 2 weeks notification.