davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
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. (MO)

I am writing to dispute and request the removal of a charge-off entry from my credit report. The charge-off in question is negatively impacting my credit score and financial standing. I have enclosed a copy of my credit report highlighting the charge-off entry for your reference. I understand the importance of accurate reporting on credit reports, and I believe that this charge-off entry is inaccurate. I request the following actions be taken : Immediate Removal of the Charge-Off Entry : Conduct a thorough investigation into the charge-off entry listed on my credit report and remove it promptly if found to be inaccurate or outdated. Enhanced Communication Channels : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the inaccuracies. Please acknowledge receipt of this letter and inform me of the steps being taken to address this inaccuracy. I am asking for your assisstance to remove othese accounts in my credit file : XXXX XXXXXXXX Balance : {$250.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. XXXX XXXX Balance : {$8700.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2015-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Dear CFPB : My loan number is XXXX and is presently with Ocwen Mortgage. 
Originally the mortgage was with GMAC mortgage, and the principal loan amount was {$280000.00}, initiated XX/XX/XXXX. 
I fell behind due to several reasons, mainly financial burdens and inability to make payments on time around XX/XX/XXXX/XX/XX/XXXX. 
I applied for a loan modification under the new Obama plan and got approved after XXXX months with a lower payment but with a huge increase in my principal amount owed. It went to {$360000.00} or so. I complained and requested details from GMAC, did not get any reasonable response except that they were due to consolidation of loan. 
The loan was then acquired by Ocwen ... was remodified after me paying around {$18000.00} total in cash to both Ocwen and GMAC. 
My principal is now almost {$440000.00}. I have approached on phone several times and have no reasonable explanation for the loan to go from {$280000.00} to the present {$430000.00} inspite of paying for the last XXXX years. 
CAN YOU PLEASE HELP. I am still behind because of these reasons and these practices of GMAC and Ocwen. 
XXXX XXXXAddress of property : XXXX XXXX XXXX, XXXX XXXX, XXXX USAThe property is lying idle, since I had to move for job purposes to XXXX. It gets rented often, but is now vacant. I would like CFPB to help. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital one in regards to my secure XXXX XXXX  # XXXX XXXX XXXX XXXX failure to except I know longer want to do business with them and PAID OFF CARD mysteriously they put on a charge leaving with a balance of four dollars and some change to conveniently stall my secured account refund and carryout the billing cycles to keep from refunding my money
Consumer complaint received 2022-02-08
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2015-09-02
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (CT)

I was misled into applying for PayPay Credit. I did not knowingly or willingly request PayPal Credit. I submitted a {$28.00} payment request through PayPal. Possibly I clicked on some button to confirm payment that coincided with this PayPal Credit inquiry request ; however I believe this to be a misleading and deceptive marketing tactic that was not known to me. I have contacted the company to remove the credit inquiry request, but they are not able ( or willing ) to help. My credit score is negatively impacted by this credit inquiry request for credit. I am hoping that under Dodd-Frank or Consumer Financial Protection regulations that my credit score can be rectified and PayPal Credit punished for these deceptive " automatic '' enrollments.
Consumer complaint received 2022-09-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (KS)

XXXX XXXX ( XXXX  # XXXX ) with Rocket Mortgage cold called me after noticing my credit had been pulled to request that I apply with Rocket Mortgage. Over the phone, we completed a general app to learn terms/fees/etc. Afterwards, I decided I would prefer to work with someone local, so did not plan on moving forward with the company. 

A few days later, I missed a call from XXXX XXXX. Afterwards he sent an email scheduling a follow-up call the next week. I responded to the email indicating I was not interested in working with Rocket Mortgage at this time, and that he could withdraw my application. 

The following week, I missed a call from XXXX XXXX again. Another scheduling email was sent to me, which I responded to indicating again that I was not interested in working with Rocket Mortgage. XXXX XXXX text my personal number quickly after requesting I call him to answer some question. I responded no. I received another email after that, requesting my agent information so that he could add it to my profile. I replied indicating that he should not contact me anymore or I would be filing a complaint. Shortly after, he emailed and text my personal number again.
Consumer complaint received 2023-03-17
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. (TX)

According to the Fair Credit Reporting Act- A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.

15 U.S. Code 6803 - Disclosure of institution privacy policy.

15 U.S. Code 1681- Congressional findings and statement of purpose 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX credit card shared my credit information with a collection agency name '' XXXX XXXX '' without my permission.The account number is XXXX. I would like to remove the damages that has been reporting to my credit report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

In XXXX XXXX, my insurance co wrote me a check for damages to my house. This check had to be sent to my mortgage co loss claim dept. The loss claim dept is now in control of my funds that I need to pay for repairs to my home. 

On XX/XX/XXXX, I submitted online all the information and requirements they requested. They never responded to me, I had to call and email them back to verify my information had been received. Finally on XX/XX/XXXX, I was in contact with a representative and begged them to process the first funds disbursement. They mailed a check of {$40000.00}. 

Since I have received the first check, they still hold {$18000.00} of my money. I have followed all instructions and completed all forms they have requested. However, they are now going backwards, stalling, avoiding contact with me and are refusing to send me the remaining {$18000.00}. 

I have been placed on hold for over one and a half hours. I have been hung up on several times, and they continue to ask for the same information they already have. Their employees in the Loss Claim Dept seem to know very little if anything about mortgages, finances or general business. To put it bluntly, they are extremely inept! 

We currently are in midXXXX XXXX, two months after this process began. I have had a new roof replaced. I have had all the eaves and fascia repaired. I have the interior repairs done on the ceiling and moldings. But yet, they will not send out an inspector to view this work, so that the remaining funds can be sent to me. In fact, they cancelled an inspection for some unknown reason, and did not tell me about the cancellation or even describe the rationale. 

Currently today, they are sending emails requesting my case # and saying they can not find my file ( their company established the case # in the first place and gave it to me in XX/XX/XXXX, but now they can not find the file? ). They have told me they finally ordered an inspection, and their inspector will contact me within 5 business days. It has been 10 business days, and no one has contacted me. The only communication from them was asking to clarify the case # they claim they can not find. 

I am at my wit 's end. I am using the money my insurance co paid me to repair my house. I need to pay for the repairs ; however the mortgage bank seems like they do not want to pay me ( my own ) money and continue to place roadblocks to slow the process down. 

All I am asking for is help in getting my remaining money so I can pay for the repairs on my home. And, with your help, insure this mortgage bank does not do this to any other people in the future.
Consumer complaint received 2021-01-26
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. (CA)

XXXX is reporting a balance but target sold my debt to a 3rd party debt collection company and i paid off the account with 3rd party, im asking target to update balance to XXXX balance Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX
Consumer complaint received 2023-03-17
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. (CA)

Please see the credit report attached from XXXX. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, DEPT OF EDUCATION/XXXX  : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, US DEPT OF EDXXXX XXXX XXXX, XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2016-06-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

I purchased my home XX/XX/XXXX and never was behind in my mortgage. Unfortunately I became involved in a predatory loan with XXXX XXXX, loss my job XXXX XXXX and then Hurricane XXXX hit. I had XXXX feet of water in my first level. My flood and homeowners insurance paid me but Indy Mac would not release the money. I stopped paying my mortgage and fixed my house. I began filling out loan modification papers for years, then they sold my loan to OCWIN ( XXXX # XXXX ). Again kept filling out loan modifications only to be told the lender does not due loan modifications. I 've hired a lawyer who tells me there is nothing we can do and they are foreclosing on my home. I 've worked XXXX jobs my whole life for this house and its being taken from me. Please help me to save my home.
Consumer complaint received 2015-12-01
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ORG GC GP BUYER, LLC (NY)

Prior to any wage garnishment, debt collectors need to send the debtor a summons so they 're aware of their right to dispute the debt in court. 

In order to send such summons, they must notify me not only by mail but in person, per New York state lawXXXXNo such notification was made.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I obtained another credit report once i was denied an apartment back in XXXX XXXX XXXX. I then sent in a letter to try and clean up the misrepresentation. I spoke with someone on the phone after trying to dispute the accounts on the app. All accounts came back as verified. I then asked cant I have proof of how they came to their conclusions, because the accounts were still reporting inaccurate. But According to the FCRA, ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So another report was pulled on XX/XX/2024. Still no changes only many inaccuracies on the report. Told them late payments were illegal an to update all collections account to paid never late pertaining 15 USC 1681a ( 2 ) ( a ) ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This also violates 15 USC 1681s ( 2 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2016-09-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (FL)

I am constantly being harassed by Midland Credit on a XXXX XXXX XXXX acct that they will not give me any information on this acct. I have asked for information and still nothing except they are filing a suit against me. Their letters and phone calls are very abusive and demanding hundreds of dollars. I am XXXX years old and on Social Security I just do n't know what to do anymore.
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (MD)

I have an account with American Express. I rented a car with XXXX on XX/XX/XXXX and returned the car on XX/XX/2017. XXXX charged my account {$160.00} my total rental was {$46.00}. XXXX credited my American Express account back {$110.00}. I called AMEX Authorizations Department on XX/XX/2017 and they stated that the {$110.00} was not credited back to my account. Once again I called XXXX and they stated that the money was returned to AMEX. Now Amex claims everything has been settled with the rental car services but the my money is NOT reflecting toward my available credit.
Consumer complaint received 2016-10-26
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: ZIONS BANCORPORATION (CO)

I applied for a VA loan in XXXX 2016 and was told 2 months later that it could n't be done because my purchase was too small so I was recommended to do it with a Home Equity Line of credit with the purchase tied into that. So I started the application process for a second time. I was told that the purchase process would take 6 weeks to be able to purchase a {$14000.00} home. That was on XXXX XXXX. The appraiser was supposed to have the appraisal done by XXXX XXXX and it did n't get done until XXXX XXXX 2016. On XXXX XXXX I called to find out when we could close on the purchase of my home. I was told that everything was still in the appraisal review department and that they had not received the appraisal yet, I wonder why I had to call in and get that information before anyone started anything for a follow up with the appraiser. Here I am now, waiting to get my home equity line of credit to use as a purchase and make some necessary upgrades and some credit consolidation. This is taking an unreasonably long amount of time. I expressed my concerns to the bank but have been told there is n't anything further that I can do. My loan officer has her hands tied and has escalated it as high as she can go in the processing department and it seems the behind the scenes paperwork just is n't getting accomplished. It is n't hard to be on top of the process. This is causing me a lot of XXXX.10 weeks and counting to purchase a manufactured home is way too long. I know that if the bank expected payment 6 weeks from the application date that I would have been sent to collections and possibly foreclosed on if I did n't meet my obligation. The bank has an obligation to me, the customer, to process this in a timely fashion. It just is n't happening. All i am getting are excuses.
Consumer complaint received 2023-03-17
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. (TX)

On XX/XX/23 I sent a dispute to Experian credit reporting. That the account XXXX was intact being reported as inaccurate. The company first reported as inaccurate. Account was sold to a credit collections company who agreed once payment was rendered account would be deleted. Account no longer belonged to XXXX. XXXX now is reporting account on my credit report inaccurately. Experian has failed to provide proof of dispute results and how account information was verified. According to FCRA Once your debt has been sold to a debt purchaser you owe them the money, not the original creditor.The debt purchaser must follow the same rules as your original creditor when they collect the debt, and you keep all the same legal rights. Therefore XXXX is reporting this debt inaccurately on my credit report.
Consumer complaint received 2021-02-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (TX)

They are auto dialing and leaving no message. I called the number back and they were wanting me confirm who I was before they would tell me anything. Looking for address, XXXX, Social Security first of all I will not give out this info without knowing who and why. After calling the number I found out it was XXXX and as today I have not received any letters in the email in regards to why they would be calling. Sounds fishy to me.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

I 've disputed XXXX fraudulent accounts : XXXX XXXX XXXX ( account no : XXXX ) and XXXX XXXX XXXX ( XXXX ) with Experian, XXXX, and XXXX Credit Reporting Agencies. I submitted my Id, social security card, Police Report from XXXX Police Department and Identity Theft Victim 's Complaint and Affidavit in order to block and remove fraudulent accounts. The credit reporting agencies have deleted these XXXX accounts. Recently, I was doing my refinancing and discovered tha Experian Credit Reporting Agency reinsert XXXX XXXX XXXX and XXXX XXXX Services accounts back to my credit report. Please help me to resolve this problem.