davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2021-05-26
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. (NY)

The accts listed below are in violation : 1.XXXX  XXXX XXXX  XXXX 2.XXXX XXXX XXXX  XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I DID NOT GIVE WRITTEN CONSENT AND THAT IS FRAUD Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-11-17
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: OneMain Finance Corporation (MS)

YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the IRS is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a 1099C! 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.I demand you remove the following information from my consumer reports immediately ; ONEMAIN opened XX/XX/2021 for {$11000.00}
Consumer complaint received 2022-04-07
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. (IL)

The Credit Bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if open date is inaccurate, the No. of Months ( terms ) is inaccurate, date last reported is inaccurate, and date last active is inaccurate. XXXX also re-aged my account. This is all grounds for removal.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I am XXXX XXXX and went on forbearance during Covid19. Mr. Cooper approved my forbearance and said I didn't need to worry about making my mortgage payments. I was on unemployment collecting {$2000.00} a month. Now that my forbearance is done, I called and applied for loan modification and was denied because they couldn't lower my payment, that's what they told me. I told them I am not looking for lowering my monthly payment, I am back to work and can pay higher amount, I have asked for deferment of the past due, I have asked for payment plan, and I have asked for loan modification. I have even offered to pay {$30000.00} towards the past due amount. and all of this was refused and I was told sell my house or they will foreclose.

I am currently behind {$75000.00} in mortgages payments. My last letter to Mr. Cooper asked if I can pay {$30000.00} towards the past due and if they can divide the rest into 12 months. or defer it. Today they told me that was denied as well.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (WA)

I initiated a mortgage refinance application ( Loan # XXXX XXXX with XXXX XXXX ( NMLS # XXXX XXXX from LoanDepot on XX/XX/30. During application, I double-checked with XXXX on if Loan Depot can acknowledge the income from my new job as I only started 2 months ago. XXXX confirmed that it won't be a problem and then I agreed on to proceed with paying appraisal deposit. 3 weeks later, I noticed that my application status was turned into inactive. I didn't receive any communication from XXXX or processor about the change. I had to make 20+ phone calls to get connected to XXXX and learned that underwriter denied the application because of my income history. I asked for full refund of appraisal deposit as I was mislead by the promise as income history will not be an issue. XXXX said he need to talk to his manager about the refund and will get back to me that day. I've never heard anything back from him and he never picked up any phone calls.
Consumer complaint received 2018-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (DE)

My mortgage servicer, SLS Servicing sold my mortgage to XXXX XXXX on XX/XX/18. I made my mortgage payment to my new provider. 

SLS Servicing had been withdrawing my mortgage payment from my checking account on the XXXX of each month. On XXXX XX/XX/18 they withdrew {$1400.00} ( mortgage payment ) from my checking account, which is after my account was closed with them. I have made numerous phones calls and have received a different story from each employee of this company that I spoke to. This withdraw has caused a negative balance in my account and I have accrued overdraft fees. To date, after 11 days has passed since they withdrew this money, I still do not have it back.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NV)

I have requested Nexis Nexis for a data erasure of my records which was incorrectly reported. They hold infomation against my which I do not consent to publish my personal public information to insurance companies.
Consumer complaint received 2022-04-07
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. (IL)

The Credit Bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if open date is inaccurate, the No. of Months ( terms ) is inaccurate, date last reported is inaccurate, and date last active is inaccurate. XXXX also re-aged my account. This is all grounds for removal.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/XXXX, I attempted to make a {$200.00} withdrawal from a Citizens bank ATM which was declined due to an equipment error by the ATM unit. The next morning I saw that my account had been debited the {$200.00} which I never received. I attempted to resolve the situation in telephone calls to Citizen 's Bank on XX/XX/XXXX and again on XX/XX/XXXX but was told that their " investigation '' was ongoing and that I would need to wait until XX/XX/XXXX before the funds I never received would be credited back to my account. 

If Citizens Bank is doing this to me, then they are definitely doing it to other people who can not afford {$200.00} being taken from their account by their bank 's malfunctioning ATM machines and I hope that CFPB can help correct this gross deficiency by this bank.
Consumer complaint received 2020-10-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (OK)

Amerihome Mortgage/XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX, NJ XXXX Property address : XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX My home went to sheriff 's sale on XX/XX/XXXX My home sold for more than $ 32,000+ more than what was owed Plaintiff 's ( Amerihome Mortgage ) Attorneys disbursed {$130000.00} to Amerihome which covered all Principle ( {$110000.00} ) & Interest ( from XX/XX/XXXX - $ {$6900.00} ) MIP/PMI ( {$230.00} ) Late Fees ( {$95.00} ) Recording fees ( {$13.00} ) Escrow Advances ( {$5800.00} ) Foreclosure attorney fees ( {$2200.00} ) Process Service Costs ( {$320.00} ) Court Costs ( {$1000.00} ) Publications ( {$500.00} ) Corporate Advances ( {$1900.00} ) Totaling {$130000.00} My homeowners insurance carrier ( XXXX ) issued a check for escrow overages for {$2100.00} on XX/XX/XXXX which they stated ( and maintain ) is owed to me but were legally required to send it to Amerihome/XXXX  ( mortgage company ) first and that Amerihome/XXXX  was to issue that same amount to me immediately upon receipt. 

I have called Amerihome/XXXX  dozens upon dozens of times to have the funds issued to me. I was told : XX/XX/XXXX that the check was issued and to expect it in 7/10 business days. On XX/XX/XXXX Amerihome/XXXX stated to wait a few more days due to Covid-19. 
On XX/XX/XXXX ( another phone call I made, lasted 3 hrs wait time ) I was told there was an FHA issue and that a specialist had to clear a code on their computers to issue the check, completion date was to be XX/XX/XXXX. I called again XX/XX/XXXX and was told it would be cleared by XX/XX/XXXX. I called again XX/XX/XXXX and told it was pushed to XX/XX/XXXX. I called again on or about XX/XX/XXXX and was told ( after multiple other calls where I was hung up on, transferred to multiple departments, promised a supervisor call back, none of which ever came to fruition ) that I would have to send a Qualified Written Request letter to a PO Box in New Jersey to have it resolved.

I am forwarding this same complaint letter to Amerihome/XXXX  at the Qualified Written Request PO Box detailing the aforementioned. 

In addition to the {$2100.00} I expect to be compensated for time. My company charges $ XXXX/hr for my expertise. I have logged over eight hours of working time spent following up on getting my escrow refund with Amerihome/XXXX  during business hours, totaling {$8800.00}. Combined Amerihome/XXXX  should pay me {$10000.00}. 

I expect Amerihome/XXXX  to release my funds and issue a check written to me immediately. 

Please confirm receipt and provide details as to next steps.
Consumer complaint received 2021-05-26
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. (GA)

I SENT LETTERS MORE THAN 30 DAYS AGO EXPLAINING THE DIRECT VIOLATION OF REPORTING ON MY CREDIT REPORT. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b
Consumer complaint received 2020-09-22
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.
Consumer complaint received 2019-08-20
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: AES/PHEAA (KY)

Called company about their reports to credit report company. I pay XXXX$ a month and they stated my interest is XXXX$ a month so I’m short XXXX$ a month on interest so my balance only should be going up XXXX$ a month and they are reporting it’s going up XXXX$ every month
Consumer complaint received 2022-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CT)

I submitted via StudentAid.gov a consolidation application on XX/XX/XXXX, for three loans- two from XXXX and one from XXXX. I then unexpectedly received forgiveness for the XXXX loans on XX/XX/XXXX, for which I am deeply grateful. However, I subsequently received a letter from FedLoan indicating that my XXXX loan would be consolidated within 10 days, but that my previous loans from XXXX could not be added to my consolidation because the loans were paid in full status and that the loan must be in grace period or repayment status to be eligible for consolidation. Thus, the XXXX loan would not benefit from qualifying credit for payments made on the XXXX loans and would not be forgiven. 

While this technically makes sense, my original consolidation application included all three loans so that the newer loan could benefit from the older loans payment counts per the PSLF Limited Waiver. However, because forgiveness of the two loans occurred before the consolidation could be completed, they were erroneously not included. I submitted a complaint to StudentAid who advised me to Request to Add On to my Direct Loan Consolidation specifically because forgiveness occurred in the middle of the consolidation process. That too was denied, all of which goes against the intentions of the PSLF Limited Waiver. 

On top of all this, I would have consolidated sooner, which would mean none of this would happen and ALL of my loans would have been forgiven, but FedLoan advised me not to consolidate because it would affect my payment counts by resetting them ( not correct per the PSLF Limited Waiver ) and because the consolidation would take me out of COVID forbearance and put me into Administrative forbearance, which would result in loss of qualifying monthly payment credit.
Consumer complaint received 2022-09-15
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. (IL)

I have new information about Trans Union and XXXX. Trans Union and XXXX is still breaking federal law per fair credit reporting act. Trans Union and XXXX has not exercised their grave responsibility for fair and accurate credit reporting. Ive tried on numerous occasions to get these late payments removed but they continue to break the law. XXXX has deleted the late payment from XXXX XXXX XXXX XXXX and Trans Union and XXXX has yet to comply with the fair credit reporting act and needs to be held accountable. I will provide the case number where XXXX has deleted the late payment COMPLAINT ID XXXX. Trans Union and XXXX need to delete the late payment from XXXX XXXX XXXX XXXX immediately or face the consequences of a lawsuit.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC (NY)

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it XXXX any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2021-12-07
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. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress  you caused me. My information was also affected by the XXXX AND  THE XXXX data breach and may have gotten into the wrong hands.