davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TX)

The mortgage was on autopay and the account was sold to Mr. Cooper and it was under assumption that that payments that was submitted and transferred to Mr. Cooper. I went to Mr. Cooper website had the payment scheduled to be take out as soon as possible on the XXXX and it wasn't taken out. I called them ask why the autopay didn't occur and ask how to make the account current and I was told that I could update the account with their Trial/Workout Payment which was {$6900.00} on XX/XX/XXXX including additional {$5900.00}. My regular payment is {$5900.00} which was paid on XX/XX/XXXX but for some reason it was reversed. The rep at Mr. Cooper never informed me that this would be reported as a forebearance. I did not request any forebearance. As the result of being coerced into this Trial/Workout Payment which is something I was not familiar and never used. My mortgage account since I have owned this home for the past 9 years has never been deliquent until that the rep from Mr. Cooper misinformed me. When I reviewed the statements it says " *The amount listed on this statement under " total amount due '' is based off your original loan terms ( or previously modified loan terms ) and will not reflect any trial modification, forbearance or repayment plan agreements. "
Consumer complaint received 2024-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (PA)

I received a letter from the U.S. Department of Education/Federal Student Aid notifying me that all my remaining loans are eligible for forgiveness as of the date of the letter : XX/XX/2024. The letter states that my loan servicer ( Mohela ) should update me on my loan forgiveness within 30 business days. They did not. I called on XX/XX/2024 and spoke to XXXX at XXXX EST. She told me that Mohela is still processing student loan discharges, and my account will be updated eventually. Mohela is unable to provide a date as to when their system will update my account, and right now I have a payment due in XXXX. I asked if the system would be updated by the time my payment is due and was told there is no known date as to when the updates will be complete. This is unacceptable and makes any financial planning on my end extremely difficult and stressful. Mohela knows how many eligible counts I have made toward my student loans. 4 of my loans have 121 qualifying payment, and the remaining has 120.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Subject : Dispute of Unauthorized Hard Inquires from XXXX XXXX  ( XXXX ) and CAP ONE NA on Credit Report XXXX XXXX XXXX : XXXX, XXXX, and XXXX Date of Inquiries : XX/XX/XXXX, XX/XX/XXXX, ( XXXX XXXX  ) and XX/XX/XXXX ( CAP ONE NA ) Companies involved : XXXX XXXX  and Capital One Bank Dispute Codes : XXXX ( Dispute- Inaccurate Information ), XXXX ( Account not mine ) Details : I am filing this dispute to challenge the validity of XXXX hard inquiries that appear on my credit report : XXXX Card [ XX/XX/XXXX ] -XXXX  XXXX  [ XX/XX/XXXX ] -CAP ONE NA [ XX/XX/XXXX ] I did not authorize these inquiries, nor did they result in the issuance of any credit card or account. According to XXXX XXXX  XXXX  guidelines, each inquiry must be tied to a legitimate credit request, which is not the case here. I request that these inquiries be removed from my credit report as they are in violation of XXXX XXXX  XXXX  standards. Please investigate this matter and correct the inaccuracies. 

XXXX XXXX XXXX : This code addresses inaccurate or incorrect information in the credit report. The hard inquires from XXXXXXXX XXXX and CAP ONE NA are inaccuratley reported as I did not authorize them, and no credit was extended as a result. 
XXXX XXXX XXXX : This code indicates that the account or inquiry is not mine. Since I did not request or approve these inquiries, they should be removed from my credit report. I have only XXXX credit card that is through XXXX XXXX.
Consumer complaint received 2024-09-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (MD)

I became aware of Vance and Huffman LLC only AFTER receiving notice that they placed a collection debt on my credit report on XX/XX/year>. I have never received written documentation or a phone call/voicemail from Vance Huffman . I looked up their information online and called them immediately. I asked who they are and why they placed this debt on my credit report. I explained to them that I have never been contacted by this company ; I have no documents, no account number, no way to dispute, nothing. The lady on the phone advised that they sent an email in XXXX. I sat on the phone with her and looked through all of my emails, I looked through the spam, I did an email search of the company name, nothing. I asked her to send me another copy of what was sent. She said no and that I can look it up online. When I visited the site that she gave me, nothing in reference to communication being sent to me was there. I have never received any documentation from this company and was not given the opportunity to review and/or dispute prior to this incident being placed on my credit report. I looked at the reviews of this company and that seems to be the consensus ; that they place debt on credit reports prior to sending out a notice.
Consumer complaint received 2024-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

Dear to whom this may concern : Your company Aldous & Associates violates my consumer rights. 

Under 15 USC 1692c- I XXXX XXXX XXXX XXXX the consumer, refuse to pay a debt collection I DO NOT OWE. I, XXXX XXXX XXXX did not sign a contract with your company Aldous & Associates. Your company did not notify or sign a wet ink signature. Your company did not notify I XXXX XXXX XXXX that I was entering a contract with a third party company. 

The reporting of such inaccurate information has caused severe damage to my character l, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 

Your companys inaccuracy has damaged my livelihood. It has damaged my ability to receive a mortgage, an auto loan, or any financial endeavors I may wish to receive shortly. It has damaged my character and my moral standing.

Full Disclosure ( I XXXX XXXX XXXX was not told that you were creating the credit with your wet ink signature ). 

Equal consideration. Your company brought nothing of value to the table and had nothing to lose. 

Your lawful terms and conditions were based on fraudulent mechanisms. 

You're a corporation or a " person ''. A corporation cant sign because they have no Right or Mind to contract. Since you are soul-less legal fiction ; furthermore, no third party can sign a contract on your behalf. 

Failure to DELETE this falsified debt and inaccurate information off of my XXXX consumer reporting profile in the next 30 days will lead to legal procedures.
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (TX)

My XXXX  became seriously ill XX/XX/XXXX. After taking care of her full time, I fell behind on my mortgage about {$3200.00}. PHH Mortgage sent me a foreclosure letter XX/XX/XXXX. My XXXX  passed away XX/XX/XXXX. Call PHH Mortgage to get a forbearance, or different repayment plan or a partial payment & the rest of the balance to be placed at the end of the loan. PHH Mortgage didnt want to negotiate. The foreclosure date kept changing & pushed to XXXX. But I couldnt speak to no one until XXXX, 13 days after my foreclosure date. A mortgage counselor XXXX way called PHH Mortgage & said this act isnt helping mr fite, & you as a company is out of compliance. Afterwards, the mortgage counselor pressed me to call the attorney general of the state of texas. 
XX/XX/XXXX PHH Mortgage tried to foreclosure on my house if i didnt come up with {$5000.00} within a 7 day period. 
XX/XX/XXXX emailed me a letter stating let work this out with a forbearance etc & contact them. Reached out to PHH Mortgage about the email & I was told the email I received was not for me.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Bank of America has locked me out of my account, again! Their screen suggests I have either forgotten my passowrd or that I wish to change it. None is true. They ask for my account number ( last 4 digits ) and my SS #, which I provide and still no access is granted. I call the bank and provide all the information they ask for verbally. I have provided all the security and ID information requested and have at my disposal a Security Key with an activation code and yet the bank does not grant me access. They tell me there is a fraud alert. When tranfered to the fraud alert deparment I am put on hold until the line drops. This happens obviously on purpose.

I feel I am being targeted unfairly and illegaly. When attempting to call, on my own expense, they provide no assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is exceptionally difficult for me to keep on calling BoA. I do not have a XXXX  phone and they do not (!! ) accept non XXXX  phones for messaging or call-back, which is ridiculous to say the least. 
** This has happened again in XX/XX/XXXX. Exactly 2 years ago. The same exact case. It was finally resolved through the CFPB. ( COMPLAINT ID : XXXX, SUBMITTED XX/XX/XXXX ) Please assist!
Consumer complaint received 2024-07-11
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: ALLY FINANCIAL INC. (NV)

28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) When the SEC seeks civil penalties against a defendant for securities fraud, the XXXX XXXX entitles the defendant to a jury trial. 
SEC v. XXXX, 603 U.S. ___ ( 2024 )
Consumer complaint received 2024-07-11
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. (NV)

XXXX  never signed and seal by clerks 28 U.S. Code 1691 - Seal and teste of process XXXX  XXXX  and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) When the XXXX  seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial.

SEC v. Jarkesy, 603 U.S. ___ ( 2024 ) Adams v. Ally Financial lawsuit not on public record. Company stole car while under Federal Lawsuit Still keeping repossession on credit reports and clerks ignoring XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (NV)

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 
XXXX XXXX XXXXXXXX, XXXX XXXX ___ ( XXXX ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) XXXX XXXX Never Served USM-285 and Violation of Seventh Amendment Jury Trial.

Writs never signed by Court Clerks
Consumer complaint received 2024-07-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Interstate Recovery Service, Inc. (CA)

Hello, I received a weird phone call from a guy claiming to be XXXX XXXX form the number ( XXXX ) XXXX XXXX from XXXX XXXX and he said he is calling me on behalf of XXXX XXXX XXXX  to take my car because I have failed to pay the bank for the auto loan! He had my number, my name, my address and the info about my car, while I have never had any business whatsoever with XXXX XXXX and I had no debt on the car he was mentioning to! This was obviously a scam and a fraudulent call to steal my car and this seems like a big sign of identity theft!
Consumer complaint received 2024-06-11
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law (FL)

We were misled by XXXX XXXX XXXX to sign a contract with Level One Law for debt consolidation. On XX/XX/year> we started paying {$670.00} every month to XXXX XXXX XXXX as their financial partner. We noticed on Level One Laws portal that they are not negotiating settlements for us that we are paying them to do per the contract. We have been trying to contact the Level One Law attorney that represents us, she had told us that she left the firm without further information or help. We called the law firm multiple times. They are not answering our calls, not returning our calls after leaving a message, and have been hung up on also. No way to communicate with them. We are left without the legal representation we are paying for that we need now. We tried to contact XXXX XXXX XXXX for answers to our questions, the phone number and email address is not working. No way to contact them either. Together with XXXX XXXX XXXX, they collected more than {$8700.00} from us. Its interesting that we recently received an e-mail stating that XXXX XXXX XXXX is in litigation.
Consumer complaint received 2024-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-02
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. (TX)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently reviewed my XXXX XXXX and noticed several late payments still appearing on an account for which I was never late. 

The account is for XXXX  XXXX XXXX and the account number is XXXX. 

Consumer reporting agencies have assumed a vital role in our financial system and are responsible for reporting consumer information to the best of their ability with maximum accuracy. 

Again, I have never been late on payments for this account. 

Please investigate this matter immediately and provide proof with statements showing that these payments were late. If evidence can't be provided, I demand that these payments be updated to " On Time '' as they should be. 

Thank you for your time and attention to this matter.
Consumer complaint received 2024-08-30
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. (CA)

By Law, they need to provide proof that they either sent me an email or mailed out a letter 21 days prior to said due dates of missed payment. They also need to provide me the proof that they either sent or emailed me the option to opt out before they released this on my consumer report. The only thing they sent proof of were said dates of payments that were late.

Due to Laws, 15 U.S. Code 1666B, without that proof they are violating that law to put this on my consumer report.

with - 15 U.S. Code 1681a ( 2 ) ( I ) they may not report transactions or experiences between consumer and person making the report. - 15 U.S. Code 6802 - Obligations with respects to disclosures of personal information.

18 USC 1028A aggregated identity theft.

This company is breaking multiple consumer laws and if this is not reported and fixed on my consumer report I am asking they delete all the above late payments from my consumer report, and change them from late to PAANL ( Paid As Agreed, Never Late ). Failure to respond with correction of the account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for each law stated above.
Consumer complaint received 2024-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rushmore Service Center, LLC (GA)

I have informed the company that I have filed a Motion with the court to Challenge " STANDING '' as there are no records that indicate that they have a legal or lawful interest in the property. 

In addition I have also informed the company via XXXX over night with Proof of delivery that I have an open bankruptcy case and any legal actions on their part would be a violation of the open Bankruptcy.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (FL)

I made a payment on XX/XX/XXXX to Goldman Sachs XXXX Apple Card for the amount of $ XXXX. 
The amount was deducted from my account via ACH debit immediately. 

On XX/XX/XXXX I needed to place a charge on the card and to my supposed it was declined. After calling the bank they told me the payment that large they are going to hold it for 14 days till after XX/XX/XXXX. 

I told the supervisor I needed either the balance or the money back so I can apply the funds to the needed transaction. The supervisor said the fastest way is to just cancel the payment and I will get the money back in my account in 1-2 days. 6 days gone by I still have not received the refund. 

I startede inquiring about my payment on XX/XX/XXXX and I was given the run around either the representative doesn't know or has no access. I ask for the case to be escalated and through another supervise still only offer " we dont know '' " we have no idea '' " we can't reach any one else '' " we have no way of transfer to the department ''. 

On XX/XX/XXXX? XXXX a executive representative called me in the morning and said he will find out and fix the issue with their processing department. He also said he will call me back by the end of the day. of course he DID NOT call me. 

3 days later on XXXX. I placed a call in the XXXX  and as usual the representative said " I dont have any additional info '' and they will submit the request for the executive representative to reach out to me. It is at the end of the business day. I place another call and spoke to two representatives and I am still getting the same " we do not know '' " we can't tell '' " we have no idea '' " We can't guaranteed any one would get back to you for up to 10 business days ''. 

This is how this bank treats you after loosing $ XXXX of mine which I needed to pay a very important payment. On my last call of the day I demanded answer and I still dont have my money back in my account, This is literally the most appalling banking experience I have ever endure my entire life and I have many many accounts. They have ZERO urgency and knowledge while trying to either blame others or said they dont know. 

They have also spoke to my bank on conference to confirm the money left my account and was never returned.
Consumer complaint received 2024-07-01
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. (NY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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. (FL)

I find it quite interesting how it takes forever for Experian to update positive activities/factors sent from creditors but negative activities are updated almost instantly. And often time when you do finally decide to update positive factors, scores usually go up by just +1 point. Whereas any small negative factor like an inquiry would decrease scores drastically. Is Experian algorithm faulty, prejudice, Or is Experian incentivized for having its algorithm set up to amplify the effect of negative activity while downplaying positive factors??? In the last year, Ive paid off a mortgage, 2 auto loans, all credit cards balance, just to see my score increase by just couple points, especially my mortgage FICO2 score. This is not fair reporting.