davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I just received Mr. Cooper correspondence that our modification was rejected base on a call that we rejected the modification. This is not what happen. This was not the purpose of our complaints, the purpose was to recognize our loan modification did not take into account any of the circumstances that exist. Such as income, post-bankruptcy, and our resident is located in an area that suffered a disaster of epic proportions. We were also told if we rejected the modification this should be in writing. There is not any evidence that we rejected this modification, but disagreed with the terms and request explanation over and over again. Explanations were given through CFPB, after complaints were submitted, questions were answered and the interest rate was explained after communicating our concerns through a third party housing counselor. I am not certain why would Mr. Cooper " pull '' calls to support we rejected the modification. Did Mr. Cooper received a rejection in writing from homeowners? Why not read the complaints? Why not use the rejection letter we were told to send in? There is not a rejection letter that exists. Maybe that is the reason the person from Nation Star called suddenly to rudely say to me there will not be any negotiation ; and " I will accept or reject ''. Was this a strategy of Nation Star? This act seems to be deliberate and we would like to ask for an explanation. We are attempting to seek legal recourse in response to a Nation Star representative caused us financial harm. Afterwards Mr. Cooper is now requesting both XXXX and XXXX payments in order to complete the modification. The modification was base on completing the trials payments and in the midst of requesting help and explanations before we sign and execute documents NO ONE at Nation Star offered to assist with the wording, by the time and third party explain this modification from the first page to the last page it was already XXXX. The modification was then rejected by the notes of a representative and we called and spoke to someone about what happened, and we never rejected but did COMPLAIN, now its XXXX. We are being asked to pay {$2500.00} right now to move the modification forward.
Consumer complaint received 2018-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MD)

I have received numerous letter for collection regarding a debt I do not owe for {$480.00}. This company repeatedly ignores the consumer complaints. I did NOT OPEN this account NOR have I ever charged on it. It is COMPLETELY FRAUDULENT. 

This company IGNORES all customer correspondence.
Consumer complaint received 2018-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

I have asked multiple times for an explanation of " corporate advances '' on my account with XXXX XXXX XXXX. We filed for a Chapter XXXX bankruptcy in XX/XX/XXXX when my husband lost his XXXX job due to a store closing and was unable to find work at the XXXX  level again - resulting in a loss of about 60 % of his pay. After this we received no further statements of any activity on our account beyond the annual XXXX required by the IRS. We modified our loan thru HAMP during our bankruptcy when my husband was diagosed with XXXX. I have never been given any information on where the amounts on the two notes was calculated despite asking. 
When the account servicer for XXXX - XXXX was was changed to XXXX, I was shocked to see over {$4000.00} in " corporate advances '' on the history of the account. I asked XXXX for an explantation/history of these amounts and was told the former service company- XXXX would have to explain these as they only had the basic information. I have asked XXXX repeatedly for this information. I have contacted XXXX XXXX XXXX directly for this information and have had no response. I have gone so far as to email the CEO of XXXX - no response. This year - I received the XXXX statement from XXXX for XX/XX/XXXX - they are reporting no MPI on my loan for the entire time they have had my loan, but my record of payments show monthly payments being made. All I am seeking is an honest answer on all my questions regarding these questions.
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (NH)

I've requested experian to update restore and correct late payments I've had XXXX late payments they removed XXXX late payments but thats all. Points lost were not updated still showing XXXX late payments that is inaccurate I've givin experian copy of my contract payment. My payments are due XXXX I'm not late til XXXX after the XXXX of the months I've submitted bank statements paid my bank XXXX $ per hour to do a search submitted that that made XXXX late fee fall off but thats all came of that. XX/XX/year> payment still shows late when via contract it is not was not updated on late payment XXXX and XXXX XXXX from collections reported me late for XXXX when paid before payment date. That's there conspiracy to continue to add up false late charges. Late fee XXXX payment XXXX showing XXXX late XXXX was updated so how was XXXX late receipt submitter. Please see Violation by XXXX she works in collection dept she XXXX and XXXX refers from collection at XXXX violated my rights they are taking my funds from a XXXX XXXX XXXX XXXX because I bank with a service credit union putting my routing and acct number from my service XXXX XXXX to a XXXX XXXX XXXX XXXX making it untraceable allow them to make withdrawal and pretend payment not received XXXX example of them submitted shows XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I sent a letter to the credit bureaus asking XXXX and Trans Union to correct errors on my credit report. Almost 60 days have passed, and I have not received a response yet.
Consumer complaint received 2018-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (PA)

I RECEIVED REPEATED CALLS FROM XXXX XXXX AND XXXX XXXX STATING THEY WERE FROM WILLIAMS AND FUDGE. I REQUESTED WRITTEN VERIFICATION OF THE DEBT AND A STATEMENT. THEY REFUSED TO PROVIDE BOTH. THEY STATED THAT THEY DID NOT HAVE TO FOLLOW THE LAW. I SAID I WANTED AN ADDRESS TO DISPUTE IN WRITING. THEY REFUSED TO GIVE ME THE ADDRESS. I ASKED THEM TO STOP CALLING AS THEY WERE REFUSING TO FOLLOW FEDERAL LAW. THEY USED ABUSIVE LANGUAGE AND HUNG UP.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (SC)

I have a judgment against me from XXXX County Courts in XXXX, GA. I use to live in an apartment complex and left which caused me to break my lease. I have tried to settle the balance but have not been able to reach the company ( XXXX XXXX XXXX or XXXX XXXX ). I called XXXX XXXX several times ( from XX/XX/XXXX to XX/XX/XXXX ) and they gave me the run around about how to pay and who to pay. The last time I called, I found out that another company now manages the apartments. I reached out to XXXX County Courts and they advised me to contact the lawyer for the case. I contacted the lawyer ( XX/XX/XXXX ) but did not receive a return message. I am stuck because I have been trying to settle this account. Because of this, I have been denied apartments because of this issue.
Consumer complaint received 2018-01-26
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: EQUIFAX, INC. (TX)

To Whom It May Concern : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with Account Number XXXX. I am not responsible for any charges made to this account. 

Enclosed are copies of of my police report ID numbers from XXXX XXXX Police Department supporting my position. I've tried disputing with Equifax,XX/XX/XXXX and XX/XX/XXXX The credo bureaus remove it, however XXXX XXXX XXXX  continues to report this fraudulent account unto my report.Therefore, I was advised from a staff member at Equifax to deal with the creditors individually to prevent further confusion. Please have them close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. 

I've requested for XXXX XXXX to also send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me. Up to this point, I've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ). 

In addition to support my case, please review the past complaints I've submitted with the bureaus. They continue to say the account is mine but it does not belong to me. They have also not conformed with the Fair Credit Reporting Act. CFPB please review complaint ID numbers : XXXX XXXX CFPB Complaint : XXXX Credit Bureaus Complaint ID : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6.  XXXX Thank you for your assistance.
Consumer complaint received 2018-01-28
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: M&T BANK CORPORATION (MO)

My mortgage was transferred to M & T Bank on XX/XX/. Because I was in the process of a bankruptcy when my mortgage was transferred to M & T Bank, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with M & T bank XX/XX/XXXX that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my M & T representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.
Consumer complaint received 2018-01-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (AL)

I received a letter from Citi-Mortgage concerning a refund check of XXXX cents that was supposed to be mailed to me in XX/XX/XXXX has yet to be mailed to my place of residence. 

Also I spoke with Citi-Mortgage in XX/XX/XXXX and a customer service agent told me the check was mailed on XX/XX/XXXX they continue to give me the run around concerning the check please help resolve the matter. 


I will attach the letter to my complaint Thank You XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

I am writing you to dispute the above referenced collection account on my credit report.

The original creditor was XXXX XXXXXXXX XXXX XXXX XXXX ( a medical bill ).

I have always paid my bills, and notably before they were due, as the XXXX XXXX XXXX XXXX XXXX could notice by the bills and payments that they have received from me since XX/XX/XXXX.

I was through different insurances in the year of XX/XX/XXXX and I always gave my doctors office ( dr. ******* ****** ), any new insurance information I had.

I received a letter stating that my bill was going to collection although I never received any bills previously that encompassed the correct amount after being sent to the correct insurance companies, even though I called previously and requested those corrections to the reprocessing. ( see attachments ) I believe, sometime in late XX/XX/XXXXor early XX/XX/XXXX I called XXXX XXXX XXXX XXXX XXXX billing department and requested them to send the corrected bills. In turn their representative went through my insurances in the various dates of services and decided to run them through the correct insurance providers which I agreed to.

The XXXX representative on the phone told me that there was still going to be a balance of 100-something to pay. I requested that she sent me an updated statement so I could verify the payments and I would arrange to pay any outstanding balance. The XXXX XXXX XXXX XXXX XXXX Billing Department representative agreed to this on the phone. ( the proof being that the {$480.00} originally requested was dropped to a lower amount after the final notice ).

It is to my sadness to report that the despite the discussion and agreement an updated bill/ Statement never came. I was surprised that instead of a follow-up call or letter from The XXXX XXXX XXXX XXXX   Billing Department, I received a collection notice from Overton , Russell , Doerr and Donovan , LLP.

I have since paid the balance that was requested from Overton , Russell , Doerr and Donovan , LLP. ( see attachments ) On a side note, even though it is paid, ( see payment receipt ) Overton , Russell , Doerr and Donovan , LLP did not send the update to the credit agencies even after almost 60 days, and after review of the XXXX, I notice that it could possibly be a trend of theirs ).

Since this was an error on the part of the XXXX XXXX XXXX XXXX XXXX Billing Department, and since has created a negative impact on my credit score by negligence on the part of XXXX XXXX XXXX XXXX XXXX Billing Department, reiterating that fact that the original creditor and I had an agreement, ( or contract if you will ), whereas I was supposed to receive an updated bill/statement and I would review and pay any outstanding amount owed, I formally request the immediate removal of the collection account from my credit reports.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: NATIONSTAR MORTGAGE LLC (TN)

Originally my home loan was with XXXX XXXX XXXX.. no problems, payments on time etc. I had to file chpt XXXX due to a divorce due to ex wife '' s bills but did not include my home mortgage, the XXXX was discharged.My loan stayed on good standing all the time. 3 yeras later XXXX sold my loan to Nation Star and the trouble began, they kept calling and calling stating my mortgage was in the bankruptcy reported it on my credit report. Every statement stated my loan was part of a bankruptcy.. I never missed a payment with XXXX nor with Nation Star when they took over.. then Mr. Cooper Mortgage CO which is part of Nation Star somehow took over my mortgage and once again the phone calls continued. I have never missed a payment with Mr. Cooper either. My mail is unindated with solitation letters offering me to refinance my loan with Mr. Cooper. they continue to call my home phone as well as my cell phone with digital calling.Never leaving a message. In XXXX of this year my now wife answered the phone and he identified himself as Mr. Cooper morgage company to offer refinancing. My wife told him to stop calling our home and cell phone that we are not interested. The phone calls continue. When I researched this company there are pages and pages of complaints on Mr. Cooper mortgage as well ans Nation Star of  their harrassment practices .How is allowed. Doesn't this over see or review the on line complaints. I am a XXXX vet and the phone calls are aggravating as well as an invasion of my privacy let alone the negative statements that my home loan was part of a bankruptcy which it never was.
Consumer complaint received 2018-01-26
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: Rocket Mortgage, LLC (MD)

I have an inquiry from XXXX reported 5 times on my credit report. I don't know why that was authorized. I have called the fraud department at XXXX in XX/XX/ and XX/XX/ to have it removed. They were difficult and did not resolve the issue. I have called the XXXX number and spoke to someone that could not resolve the issue. It has been extremely frustrating between being constantly transferred on the phone through many representatives, but no one can fix the issue.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

In XX/XX/XXXX, in response to the nationwide foreclosure crisis, the Treasury Department introduced the HAMP.

In XX/XX/XXXX, XXXX XXXX announced the Second lien Modification Program and therefore the Treasury Department implemented the following Rules : According to the HAMP Rules described in the MHA Handbook v5.1, " When a borrower first lien is modified under the HAMP or a qualifying GSE Standard Modification the servicer must do either of the following : 1. modify loan or extinguish the second lien according to the steps outlined in Section 5. Also it is required that the first lien be permanently modified prior to XX/XX/XXXX.

Thus, the Rules are very clear in that if the first lien is modified prior toXX/XX/XXXX the servicer must dismiss any outstanding foreclosure action.

Flagstar bank is one of the many servicer 's that enter into the Tarp agreement with Department of Treasury and therefore must comply.

On XX/XX/XXXX, we executed a permanent loan modification agreement with the first Servicer, XXXX XXXX XXXX. Because the agreement was executed on XX/XX/XXXX and reported to XXXX XXXX XXXX XXXX XXXX XXXX, prior to XX/XX/XXXX, we meet all HAMP Rules regarding the Second Lien.

Pursuant to the HAMP Rules Flagstar was to : either modify or extinguish the debt. Instead Flagstar engaged in unlawful and deceptive banking practices by ignoring the Federal Rules and providing consent to a third party file a foreclosure action.

As per Federal Rules Flagstar and its accomplices are prohibited from filling a foreclosure action when the first lien has been permanently modified under the HAMP prior to XX/XX/XXXX.

The Treasury Rules were meant to be enforce not just to look at. I ask the Consumer Financial Protection take this complaint seriously. A copy of this complaint will be furnished to the Office of the Internal General. We want to make sure pour complaint is not ignored by the CFPB.