davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MA)

XX/XX/XXXX, i filed a complaint.. It was PARTIALLY resolved On XX/XX/XXXX. 

my loan was on forbearance due to the pandemic. During that time frame, My loan was NOT to accrue interest during the relief period. 

On XX/XX/XXXX i received my loan modification documents via fedex. There was NO estimated unpaid principal balance breakdown documents. 

On XX/XX/XXXX i received via XXXX a correspondence notified that was written on XX/XX/XXXX. 

This document did give the Breakdown estimate of unpaid principal balance. 

Mr. Cooper has added {$10000.00} for Delinquent interest which they can not apply Under the covid 19 relief act. 


In XXXX when i received my erroneous loan modification, my interest rate was locked in at XXXX. NOW due to Mr. Cooper delay on my loan modification that has taken over 18 months. my current interest is XXXX. 










When my forbearance timeframe expired, Mr. Cooper made an major error on my loan modification. They had my former husband name on my modification loan. The underwriters had the right book number BUT wrong page number from the Registry of Deeds in the Town of XXXX, Ma. I refinanced in XXXX when i finalized my divorce. My former husband name was not on the mortgage and is not on the title of deed. This is all documented at the town of XXXX registry of deeds. My loan company was XXXX, it was bought out by Mr. Cooper XXXX. 

The delay on my loan modification was fully due to the underwriters. From XXXX to XXXX i made numerous calls, written emails to their complaint Department along with a written faxes to lost mitigation, which i received XXXX response. IF the underwriter had corrected modified my loan by simply deleting my former husband name which should not have taken more than a week, i would not have wanted 2 years to have my loan modification RECTIFIED. Removing my former husbands name off my loan is all that needed to be done to make my loan free of errors. I faxed with a certified notary from the Town of XXXX MA, registery of Deeds my property deed and mortgage, I only received a response after i filed a complaint with the CFPB in XX/XX/XXXX The delinquency of accrued interest needs to be exorcised.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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. (VA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV INC. (NC)

On XX/XX/XXXX I wrote a personal check numbered XXXX to The  XXXX XXXX. Due to a miscalculation on my part the check was returned to The XXXX XXXX NSF. I expected them to resubmit the check and made certain that I maintained sufficient funds to cover the check. In late XX/XX/XXXX, I received a communication from TRS Recovery Services regarding the check dated XX/XX/XXXX. A few days later I received a second communication regarding the same check dated XX/XX/XXXX from TRS Recovery Services. I went to my bank on XX/XX/XXXX and procured a Cashier 's Check in the amount of {$150.00} ( which included the amount of the original personal check of {$130.00} and the {$25.00} returned check fee ) and numbered XXXX. I immediately mailed this check via USPS to TRS Recovery Services Payment Processing Center XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX. The Cashiers Check was cashed on XX/XX/XXXX and posted in my bank on XX/XX/XXXX. While the Cashier 's Check was in route to California, The XXXX XXXX resubmitted my original personal check numbered XXXX to my bank and it was honored. 

I contacted TRS Recovery Services on XX/XX/XXXX and spoke with XXXX XXXX to tell them the check was in route. I did not know at that time that the original check had been redeposited and had cleared. After finally figuring out what had transpired, I contacted TRS Recovery services again on XX/XX/XXXX, XXXX spoke with XXXX XXXX. I explained to her what had happened. She informed me that they were not equipped to handle refunds, etc. except through their website ( XXXX ). I submitted through their website the forms ( there was no manner to submit documentation ) and awaited their answer. I received their reply today, XX/XX/XXXX. Thus, the reason for my complaint
Consumer complaint received 2022-11-27
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: Experian Information Solutions Inc. (NY)

There are several collection accounts reporting on my credit report that I have tried religiously to get removed. I hired a lawyer with XXXX XXXX top help me get these items removed from all major credit bureaus. I have requested that they present me with a contract with my signature on it seeking credit to which they have not been able to provide. they continue to update the account indicating it has been verified without providing to me the written verifiable contract seeking credit which are the guidelines and regulations set forth by the fair credit reporting act. 

the collection accounts in question are as follows and note I have never truly been able to utilize my credit in my life because of these negative accounts popping up on my credit file. I beg for a chance at XXXX day the ability to have a fair shake at credit like everyone else. 

accounts in question are as follows : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
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. (PA)

The Fair Credit Reporting Act requires maximum possible accuracy and that agencies must take reasonable procedures to ensure that. It is being claimed that the account is reporting accurately to all consumer reporting agencies which is false and I demand this account is deleted. See attached exhibits and company responses. It is clear that they did not conduct proper investigation to this matter so I demand that they send me the procedures they took to ensure the accuracy of this inaccurate account.
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I received an alert on my phone that a charge of {$2500.00} was made at XXXX XXXX Within 10 minutes, I called my credit card company and reported it as a fraudulent charge. 

The credit card company issued me a credit but then charged me AGAIN for the same amount. I called them again and they told me I approved the amount which I never did. I then asked them to show me documentation ( or a taped phone call ) of the approval. They couldn't show any proof of me doing that. They reopened the case. 

After many phone calls and hours of my time spent on this matter, they then told me it would take 2 billing cycles to the 2nd credit to be issued. I told them I don't understand why I had to wait especially when they issued me a credit soon after the initial charge. 

I recorded most of the phone conversations I had with Citi Cards. The last time I spoke with them on XX/XX/XXXX. The person said I would receive a full credit by XX/XX/XXXX. I have not received that as of writing this complaint. 

I believe I was at a gas station at XXXX XXXX XXXX XXXX XXXX trying to use my credit card and had trouble at the pump a day or two before. I had to go inside for the transaction but going back to the pump and now using my XXXX rewards card, it still wasn't reading my reward card. The transaction was canceled. I believe there was a " skimmer '' at the pump. I notified the local police and filled out a report.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The Credit bureaus stated XXXX XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute.

They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} The Credit bureaus stated XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute. 
They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}
Consumer complaint received 2023-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FRESNO CREDIT BUREAU (CA)

I am a victim of Identity theft. I have a certified police report on file with all the credit bureaus. I have a collection account on my credit from Creditors Bureau USA. I never received a notice in the mail about the alleged account ; it just appeared on my credit. I have reached out to them several times via certified mail, I have not received a response and the fraudulent data remains on my credit. I am requesting the fraudulent account be removed. I was never afforded the opportunity to dispute the debt .... if I had been I would have advised them the account was not manufactured by me and furnished them a copy of my police report or any other information they may need. Additionally, I also have medical insurance- this is apparently a medical bill reporting on my credit. I have also reached out to the FTC .... they had me upload a copy of my police report to their portal.

Account Number XXXX in the amount of {$590.00}
Consumer complaint received 2024-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MT)

In XXXX of XXXX I submitted a PSLF form to MOHELA because I believed I had reached the qualifying number of payments. In XXXX of XXXX I noticed the form had vanished from their website. I called and they said they had no record of the document ever being submitted and to try resubmitting. 

I resubmitted a PSLF form on XX/XX/XXXX. The website said it was received and processing. I called several times to verify the status and was told every time that it looked good and just to wait. Until I called XX/XX/XXXX, when they informed me that they had rejected it months ago because of an e-signature on the document. I had received no communication about this rejection. They told me to resubmit the document. 

I faxed the documents on XX/XX/XXXX. I called two business days later and they said the documents were received and being processed. They also showed up on the website as being processed. 

I called twice just to check on things, and was told each time things were fine and I just needed to wait. 

I got a bill on XX/XX/XXXX and called on XX/XX/XXXX to check on the status. The first person I talked to hung up on me. The second took two hours to tell me everything was fine and she was going to put the loan back into forbearance. 

I checked the status of the loan on XX/XX/XXXX and it was not in forbearance. I called again and they informed me that they once again have no records of the paperwork I submitted in XXXX and I have to resubmit again. She offered to transfer me to a supervisor but hung up on me instead.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST FOUNDATION INC. (CA)

On XX/XX/XXXX, I initiated an XXXX transfer of {$100000.00} from my online savings account with First Foundation Bank. Their web site stated that the funds would arrive by XXXX  XX/XX/XXXX, or I would receive notification that it would be later. No problem was indicated, yet the funds did not arrive until Monday, XX/XX/XXXX. As a result, I lost XXXX days of interest ( approximately {$30.00} ) that I asked the bank to make up for ( I knew and was prepared to not get interest XXXX XXXX during the XXXX transfer ). After XXXX weeks of attempting to get a response from bank management, they refused -- saying that XX/XX/XXXX was a banking holiday. When I pointed out that they had not sent me any notification and that their XXXX transfer times were always longer than other banks, they still would not budge. I filed a complaint with the FDIC, which regulates this bank. The FDIC asked the bank to respond, and the FDIC took more than 30 days to tell me of the bank 's response on XX/XX/XXXX. The bank came back with a screenshot showing that they had informed me that the transfer would be done on XX/XX/XXXX. That screenshot the bank sent was not available on their web site until XX/XX/XXXX -- long after I could have taken any action to change the transfer. Even if I had done a wire transfer and paid their exorbitant wire transfer fee, I would have been out less interest than almost a week 's worth. 

When I pointed out the ( possibly deliberately misleading ) error in the bank 's response to the FDIC, they refused to do anything -- even follow up with the bank again. They simply stated that XXXX transfers were not in the domain, and I had to contact XXXX. I did so, and they told me they only take complaints from financial institutions and XXXX XXXXperators. They said I should contact you. 

I strongly feel the FDIC is not doing its job in regulating this bank -- but I am hoping you can help me navigate these bureaucratic waters and compel the bank to pay me the extra interest they caused me to lose by not following their own published XXXX  processing times or giving me promised notification in a timely manner.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXXXXXX in the file you maintain under my Social Security number. 

Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. 

The entry with Reference # XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. 

Apparently, not on was the case never XXXX.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IL)

LVNV Funding  # XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to report a violation of the Fair Credit Reporting Act by LVNV Funding . This creditor has re-aged an account on my credit report, which is a violation of the FCRA. This account should be removed immediately from my credit report. The creditor has reported an account that was closed in XXXX as being open and active in XXXX. This is a clear violation of the FCRA, as it is illegal for creditors to report inaccurate information about accounts that have been closed or paid off. 
Reaging an account is a violation of the Fair Credit Reporting Act ( FCRA ). This act states that creditors must not report inaccurate information about a consumer 's credit history. Reaging an account involves changing the date of delinquency on a consumer 's credit report to make it appear as if the debt is more recent than it actually is. This can have a negative impact on a consumer 's credit score and can lead to higher interest rates or even denial of credit.

I have included documentation with this letter to prove that the account was closed in XXXX and should not be reported as open or active on my credit report. I request that this account be removed from my credit report immediately and that any negative impact it has had on my credit score be reversed. 
Thank you for your time and attention to this matter.
Consumer complaint received 2022-11-26
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)

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.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. 

Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. 

The entry with Reference # XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. 

Apparently, not on was the case never discharged.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK/XXXX XXXXXXXX
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

This card shows activity and dates of activity that do not exist. All of the bureaus are falsely reporting information on a card that was closed immediately after I got it. The limit isn't even correct! This is why I repeatedly say none of the bureaus can be trusted to report information on anyone 's reports accurately. See the attached proof that this card was closed and NEVER used!!!