davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

ON XX/XX/2022 I MAILED LETTERS TO XXXX, TRANSUNION, AND XXXX LETTING THEM KNOW THEY ARE IN VIOLATION OF HIPPA LAWS. I ASKED THEM TO PLEASE PROVIDE ME WITH A WRITTEN CONSENT BEARING MY SIGNTURE, GIVE YOU PERMISSION TO FURNIS THIS INFORMATION TO MY CONSUMER REPORT. THEY HAVE FAILED TO PROVIDE ME WITH ANY INFORMATION ABOUT THESE ACCOUNTS.
Consumer complaint received 2021-12-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (PA)

On or about XXXX XX/XX/2021, I applied for a loan with Nationstar Mortgage /Mr. Cooper ( XXXX XXXX ) led me to believe that after pulling my credit that I was qualified for this loan, and the next step and or process would be simple, he would get the loan to underwriting, I would get an appraisal. The loan should close in about 30 days, and I attached correspondence to support this statement. At no time during this process did anyone from Mr. Cooper indicate that I would need to meet additional guidelines and or requirements under the VA. 
As a result of this loan request and application has affected my credit score and worthiness. I am sure Nationstar Mortgage XXXXMr. Cooper has an ethics policy. My ask is simply that those employees who are involved with this loan and loan application be held accountable in accordance with the procedure. From my past experiences, when employees start making unethical decisions, its because they feel leadership would or has allowed it. 
I say this because I lost my first home to XXXX XXXX XXXX. If you review the case, you will find similarities.
Consumer complaint received 2021-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MN)

Ok, prior to Covid-19 I was current on my mortgage and then due to Covid-19 payments ceased due to not being able to work. Because of the executive order to stay home I had not made a payment for 18 months. I applied for a forbearance plan to provide temporary relief from making my mortgage payments. I was granted the forbearance and my mortgage was paused. 

As soon as the restriction was eased up, and work resumed I was willing to undertake the responsibility to make payments as my correspondence indicated. This is still my firm commitment. 

I am not asking for them to reduce my monthly payment just want them to resume my monthly payments as usual and or offer me a " streamline modification ''. I also, offered them {$20000.00} upfront to work with me. However, the only offer I was given in return was either a Deed in Lieu or a Short Sale. I was Denied the Proprietary Modification. I then filed a complaint with the Attorney General 's Office, and this brings me to file with the CFPB.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX ( {$400.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX  XXXX ( {$540.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX XXXX {$530.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX Years of late Payments after account was closed- this is a violation delete this account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Years of late Payments after account was closed- this is a violation delete this account XXXX XXXX XXXX all 3 credit company show inaccurate payment status please remove you cant report different information for the same account XXXX XXXX XXXX all 3 credit report showe different balance and payment status please remove and was never late you cant report different information for the same account XXXX XXXX XXXX XXXX was paid on time please remove this account XXXX XXXX XXXX please remove this account all 3 report show inaccuracy please remove this account it is illegal to report same account with different payment status
Consumer complaint received 2021-12-10
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: Experian Information Solutions Inc. (OH)

The account XXXX XXXX is reporting on my credit a balance of XXXX which is my ex spouses car loan not mine. I never agreed to be a co-signer on the account and Im asking the account to be removed off my account because I didnt authorize this on my credit and its negatively affecting my credit.
Consumer complaint received 2021-12-10
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. (OH)

The account XXXX XXXX is reporting on my credit a balance of XXXX which is my ex spouses car loan not mine. I never agreed to be a co-signer on the account and Im asking the account to be removed off my account because I didnt authorize this on my credit and its negatively affecting my credit.
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase XXXX XXXX XXXX XXXX XXXX, reported my account as late 30-59 days in XX/XX/XXXX. XX/XX/XXXXStatement was delivered by the bank to the wrong email address electronically. I never received. Once it became obvious that the statement did not show up, I called the bank to inquire and was told that there was a small balance due. I paid it in full immediately and the bank waived the late fee from my account as they undersatood what has happened. 
However, the late fee mark was never removed from my credit report. I can initaiated multiple requests through the bank and the credit bureaus with no result. 
I believe it is unfair to have this derogatory mark on the my credit report for no fault of my own. The balance was promptly paid and the email address has been corrected. 
My account with chase is still open and current and has never any late payment ever. 
I am turning to you to assist in mediating this issue due to the hardship it is placing on my unfairly. 
Thank you Bank info : CHASE XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-10
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. (CA)

The collection XXXX XXXX in the amount of {$810.00} is not mine and showing on my credit report. I have contacted them several times and they have not complied. I even sent letters to all 3 credit Berueas and they too are not complying and they are not adhering to their timelines. I even have certified letters from all 3 bureaus not once but 2 times for this matter! The last certified mail was on XX/XX/2021 How many times must I send certified letters before I get a response? My original contact with the lender and the bereues was back in XXXX! 
I have asked to remove this erroneous item from my report. I want this taken off my credit report ASAP. This is not mine, and this is causing me issues in obtaining a mortgage.
Consumer complaint received 2021-12-10
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. (OH)

The account XXXX XXXX is reporting on my credit a balance of XXXX which is my ex spouses car loan not mine. I never agreed to be a co-signer on the account and Im asking the account to be removed off my account because I didnt authorize this on my credit and its negatively affecting my credit.
Consumer complaint received 2021-12-10
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: HYUNDAI CAPITAL AMERICA (OH)

The account Kia motors is reporting on my credit a balance of XXXX which is my ex spouses car loan not mine. I never agreed to be a co-signer on the account and Im asking the account to be removed off my account because I didnt authorize this on my credit and its negatively affecting my credit.
Consumer complaint received 2019-08-06
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: Experian Information Solutions Inc. (AZ)

The following account is not 30 days late, I never made a late payment on the accounts ever. Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX XXXX XXXX,
Consumer complaint received 2021-12-10
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. (IN)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022 I tried to log in to my capitol one account to pay and it indicated it was restricted. I then proceeded to call at XXXX and and the representative who took my call notified me my acct was closed. I asked him why he stated because there was a returned payment. I stated that was correct it was not due to insufficient funds it was due to my XXXX acct being closed due to fraud. He stated that was there policy and there was no way they could reopen it. I asked if I could speak to a supervisor to explain what happened he then transferred me to a supervisor who then told me the same thing the other representative told me he stated to pay off balance wait 5 days and submit proof and that then they would reopen acct again. I said I wanted that in writing he said he couldn't do that. I said well I want to make sue this acct is reopen this was not my fault. He said he could not give me anything in writing. I proceeded to end the call.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Consumer complaint received 2019-08-06
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. (AZ)

The following account is not 30 days late, I never made a late payment on the accounts ever. Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX XXXX/XXXX XXXX,
Consumer complaint received 2021-12-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd (VA)

I had an on-duty injury as a firefighter for the City of XXXX Fire And Emergency Services on XX/XX/17. The city did not pay the bill or did not pay in a timely fashion. I have had a debt collector come after me and erroneously report to the credit bureaus that I did not pay the bill, a bill that I was not responsible for paying. 


It is my understanding that what those debt collectors are doing is illegal under Virginia Law. The debt collector is XXXX XXXX XXXX XXXX. The contact on the credit bureau is I was transferred to an offshore ( XXXX ) when I called the creditors number. I was told that the the client was XXXX XXXX XXXX and nationwide recovery system. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

Hello, I recently applied for an American Express Card and was declined for the following reason " You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans. '' When trying to look into this on my XXXX report. The only deferral I see is on my Federal Student Loans which was applied automatically. I was informed under the CARES ACT this should not affect my credit, but appears this is the reason I am not able to get my American Express Card. I have been trying to resolve this issue with both American Express and XXXX and each is placing the issue on each other as an error they need to fix.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NV)

On my credit report from Experian it has a negative mark for an insufficient number of accounts that are currently paid as agreed/Number of accounts currently being paid as agreed XXXX accounts. I have 6 accounts that are all being paid as agreed and on time as of XX/XX/2021 It is also showing there is no recent activity on credit cards and/or bank issued open-ended accounts however I make monthly payments on all the accounts how is there no activity? This is dated as of XX/XX/2021 There is also 1 collection showing on my credit report from XXXX XXXX for {$520.00} but it is paid 100 %. I wasnt aware of this account before I paid it off so it gives me 2 negative marks one for collection and one for late payments. I want this to be removed from my report. This is dated as of XX/XX/2021.
Consumer complaint received 2021-12-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mobiloans, LLC (IN)

Sent to a mediator or collector of some sort refused to give any information other than what was owed no apparent knowledge of date or year of loan. Yelled over me on the phone claiming I needed to pay {$1200.00} now or Id be sued for {$4000.00}. No notices ever sent in the mail claimed I took out the loan using an employer that I havent had in 6 years and accused me of writing fraudulent checks.
Consumer complaint received 2021-08-25
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: CORELOGIC INC (UT)

XX/XX/2021 a credit inquiry was made on my credit report. I was shopping mortgage interest rates today ( XX/XX/XXXX ) and CREDCO made an inquiry on my credit report. I do not know which mortgage company this is from, but I just wanted to see mortgage rates before making a final decision on which mortgage company to go with. 

There is a chance I missed something in the fine print, but it was not obvious to me as I was just wanting to see the interest rates.
Consumer complaint received 2019-08-06
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: EQUIFAX, INC. (AZ)

The following account is not 30 days late, I never made a late payment on the accounts ever. Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX XXXX XXXX,
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act 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 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Consumer complaint received 2022-03-26
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. (CA)

Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2019-08-06
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)

the Consumer Credit sourcebook of the XXXX XXXX XXXX XXXX XXXX ) which states one of the following rules Where there is a dispute as to the identity of the borrower or hirer or as to the amount of the debt, it is for the firm ( and not the customer ) to establish, as the case may be, that the customer is the correct person in relation to the debt or that the amount is the correct amount owed under the agreement. XXXX I demand that the following account be verified or removed immediately : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX   XXXX, XXXX XXXX