davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

This complaint is a continuation of the complaints I've submitted this year to Mr Cooper, Seterus, XXXX and Fannie Mae regarding the problem caused by Seterus mortgage servicing from XX/XX/XXXX to current. Seterus is no longer operating, but the problem they caused is carried over by Mr Cooper.

I have made a number of verbal requests with no results so here is the latest update and documented proof, 1 ) The XXXX XXXX, attorneys representing XXXX, Fannie Mae and Seterus are bullying me, the homeowner. In their written communications, they make numerous false statements and threats including, " ... been in default since XXXX ... '' and " you have been non-responsive ''. The communication is so false, it is harassment. They claim in their letter they have tried to reach me. This is not true. See my uploaded extract report of phone calls to me from area code XXXX for the year XXXX ( exhibit A ) ; there are none. See sample extract for calls from XXXX area code showing calls to my main contact phone number XXXX ( exhibit B ) ( I will also try to upload a report on the number of times I phoned the XXXX Firm office, at least 8 times this year ). THIS ALSO IS A VIOLATION OF CALIFORNIA CODE OF CIVIL PROCEDURE 430.41 a requirement to meet and confer prior to motions such as demurrer. And they claim that demurrers were sustained in their entirety ; also not true. I have a leave to amend by XX/XX/XXXX, see my pleadings emailed to Mr Cooper two weeks ago on how I will amend my good complaint.

2 ) Mr Cooper needs to conduct an internal accounting and correct mortgage statements that incorrectly reflected 3 months due. They stopped mailing statements in XXXX and I need a corrected mortgage statement so I know how much to pay. I have no doubt, as someone with education and professional work experience in finance and accounting, these Seterus problems are causing Mr Coopers late payment reports, ( ie. ) the 60 day late in XXXX, to the credit bureaus this year. 
3 ) Lastly, the other documents I am submitting with this complaint should prove to Mr Cooper and Fannie Mae, Seterus caused a problem I would describe as " A CONTRACT TORT ". See my fax written demand, apply surplus to the mortgage. See Seterus response dated XX/XX/XXXX which included an undated explanation how a surplus can be applied when current. Please see credit bureau reports for XX/XX/XXXX, and my mortgage statement for XX/XX/XXXX. I was current when Seterus received my instructions to apply the surplus to the mortgage. See also my tax statement from XXXX county. 
4 ) regarding the 30 day late reported XX/XX/XXXX - XX/XX/XXXX, I have bank statements showing the check in Seterus ' possession, that was never re-presented or returned to me, was good. 
IN CONCLUSION : this is a CONTRACT TORT. Seterus was in receipt of my money, in excess of what they had accurately billed me. had no good cause to retain and refused to apply or refund per my written instructions of XX/XX/XXXX.
Consumer complaint received 2024-03-20
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. (OH)

Upon examining my credit reports, I observed an instance of a late payment on my XXXX XXXX credit card account # XXXX, which I have consistently maintained timely payments on. Attached are screenshots depicting the account statement displaying a late payment in XX/XX/year>, as well as my bank statement showing where the payment was made in full during the month of XX/XX/year>. 

Kindly conduct an investigation to verify and furnish evidence demonstrating the lateness of the payment. If no evidence can be provided, I insist that the late payment status be rectified to reflect " paid on time, '' as I have never defaulted on my payment obligations. 

Thank you for your prompt attention to this matter. 
[ Attachments : Screenshots ]
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (FL)

I wrote XXXX on XX/XX/XXXX in reference to debt appearing on my credit report from a company called XXXX XXXX. I called acceptance rentals who informed me that that sold my information to a 3rd party Vance & Huffman LLC. I then wrote Vance & Huffman LLC who sent me what appears to be signed contracted. This was a digital copy of a contract with my name typed on the line. Next this company shows that that debt was obtain in XXXX and was paid from a XXXX XXXX account and the account number ends in XXXX. I have been with XXXX XXXX since XXXX I have no account ending in XXXX Also, that have an unclear copy of an id attached to this contract. I have never obtained anything from this company. I demand to see VERIFIABLE proof please. I want to see a clear photo of id that was used to obtain the debt and a second from of information linking me to this debt.
Consumer complaint received 2023-01-23
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: TOYOTA MOTOR CREDIT CORPORATION (VA)

Toyota shows that on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I did not pay my car payment when in reality I did. The final week of XX/XX/XXXX, I made my car payment for XXXX, In XXXX of XXXX I made my car payment within the first week and within XXXX of XXXX I made two car payments for XXXX and XXXX. There were several times I asked for extensions due to illness which XXXX gladly gave me assuring me that an extension does not constitute none payment. There were also several times I paid two to XXXX XXXX dollars more then my regular payment to pay ahead and to be current. Toyota has told me several times that I paid in full and that I have not paid late and that they would correct the mistake on my credit report. But this has not happened yet. In XXXX of XXXX Toyota tried to say i did not make a car payment which i did. i mailed the payment to them guaranteed check. they received it three days later but lied and said they did not. I made an XXXX car payment at that time as a result over the phone. two months later we found out from Toyota and the bank, that they did receive my XXXX payment via guaranteed check. They applied and updated that payment and I asked them to please remove the delinquency from my credit report. They said they would but have since done it.
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I was summons to justice court in XXXX of XXXX attorney had false information.the judge gave the attorney for the claimant 30 days to provide legal documents. The attorney did not show back up but lady from XXXX XXXX stood up and said this dept has been paid.the judge dismissed the case aginst me.now its up again.
Consumer complaint received 2023-05-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2020 PRODUCT Money transfer, virtual currency, or money service ISSUE Fraud or scam Please see the above referenced complaint - We never received any communication from BOFA- this issue still is NOT resolved and there is XXXX outstanding in addition to our attorneys fees of over XXXX. The complaint was closed and theres no conclusion
Consumer complaint received 2021-09-27
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: EQUIFAX, INC. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NC)

For months the company continues to take unauthorized payments from my checking account. I have an automatic payment set up for a certain amount and they keep taking out more than that amount. I have called and have been told repeatedly its fixed and it continues to happen.
Consumer complaint received 2019-12-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

Repayment on my private student loan with Navient was supposed to start repayment on XX/XX/2009 ( date found on Navient current website ) but I never received any notice that it was in repayment until after it was in default. The only way I found out that it was in default was through my credit report. I received no letters, phone calls, emails, nothing and neither did my co signer. On a {$15000.00} loan, I now owe {$43000.00}.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I am writing this email to inform you of the most uncomfortable and unprofessional experience I had with XXXX XXXX XXXX XXXX # XXXX. I am a loyal customer of Truist for many years and I am applying for a conventional loan for a condominium I will be using as a secondary residence. She did not offer any loan options or alternatives to help me decide which loans are the most appropriate for me and failed to provide sufficient information about my loan. She insinuated that I would not be able to qualify or afford the loan and did not offer any alternatives or resolution. As you review my credit, I have an excellent XXXX XXXX and I felt demoralized after speaking to her. She has some uncomfortable and inappropriate questions and I do not want her to handle my application at all. I am requesting an immediate reassignment of this application to another XXXX XXXX. If not, I want my application closed with a request from Truist to the credit bureaus to remove the hard credit inquiries your institution performed.
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I have found that TRANSUNION has been violating my consumer rights by misreporting dates on accounts that will adversely affect my credit score. 


12 XXXX XXXX XXXX THEY REPORT THE " DATE OF LAST PAYMENT '' as XX/XX/2019 ... This is a RE-AGED Account. NOT POSSIBLE!!!! 

06 XXXX XXXX THEY REPORT THE " DATE OF LAST PAYMENT '' as XX/XX/2019 ... This is a RE-AGED Account. NOT POSSIBLE!!!! .... 

11 XXXX XXXX XXXX THEY REPORT THE " DATE OF LAST PAYMENT '' as XX/XX/2019 ... This is a RE-AGED Account. NOT POSSIBLE!!!! ....
Consumer complaint received 2022-05-04
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. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVICY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$4000.00} Bankruptcy XXXX  XXXX Discharged Date Filed XX/XX/2020 Docket Identifier XXXX XXXX XXXX  Original Creditor XXXX  XXXX Balance {$3500.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance {$2000.00} XXXX XXXX XXXX  Original Creditor XXXX  XXXX Balance {$890.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance {$620.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$610.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$560.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$110.00} .
Consumer complaint received 2023-01-23
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. (TX)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer REPORTING agencies which is equifax, XXXX and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports.

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.
Consumer complaint received 2022-11-12
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

I have sent a letter to Jefferson to send me evidence this account even belongs to me. No responses. They can not validate this debt belongs to me. 

THEY ARE REPORTING TO XXXX  THE PAYMENT STATUS IS " 120 DAYS LATE '' ..This is not possible on a collections. 

THEY ARE REPORTING TO XXXX  " DATE OF LAST PAYMENT IN 2017 '' ... Not Accurate ... .They are re-aging the account and VIOLATING the FCRA.
Consumer complaint received 2023-01-23
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. (CO)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-01-23
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: LEXISNEXIS (VA)

XXXX disputes a bankruptcy on my XXXX credit report and XXXX told me that they verified through lexis Nexis. I already contacted lexis Nexis and they told me there was no bankruptcy on my report. XXXX also lies that I should contact XXXX and when I contact XXXX they told me to contact Lexis Nexis. This Credit bureaus are playing games and disregarding FCRA.
Consumer complaint received 2023-01-23
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. (LA)

When I reviewed my credit report again, I discovered that some of the information that is still erroneous. The accounts should be verified since I sent letters back on XX/XX/2023. Again I am redisputing in order to correct the accounts that linger on my credit file/report. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2018-03-03
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: AmeriHome Mortgage Company, LLC (TX)

This is the 3rd time I've had to address my Amerihome mortgage  account about errors in reporting my account to the credit reporting agencies. The latest inquiry was sent directly to Amerihome on XX/XX/XXXX and an acknowledgement email was sent and received on XX/XX/XXXX with Reference number : XXXX XXXX In the request for investigation I included two attached copies of the XXXX XXXX report where it shows my XXXX XXXX account reporting adversely and incorrectly. I included the dates this error was made previously and subsequently corrected however the letter I received today XX/XX/XXXX doesn't acknowledge the evidence or the reason for the investigation and reads as if it is unwilling or unable to process the simple request. I have never ever been late or missed a payment since I got the mortgage in XX/XX/XXXX and the credit reporting does not reflect this fact at all. The error is occurring on one report as of XX/XX/XXXX in my annual review of my credit files I receive from XXXX XXXX XXXX. I am escalating this issue because AmeriHome mortgage had all the necessary information to correct this error and adverse reporting in the XX/XX/XXXX but failed to remedy the harm it is causing my credit score and rating by carelessly sending erroneous data to the credit bureau. The first time this same error was caught by me was back in XX/XX/XXXX and a letter was sent on XX/XX/XXXX about the adverse reporting. This account should not be reporting negatively at all in no shape or form. I work very hard to pay this mortgage on time every month for the last 4 years so I would like to be treated fairly and like a valued customer. I will attached all previous correspondence and evidence that Amerihome already has to expedite the resolution of this issue.
Consumer complaint received 2022-05-04
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-12-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed several items on my trans union report back in XX/XX/XXXX, One dispute was pertaining to XXXX XXXX XXXX # XXXX who reported regarding a debt with XXXX XXXX ( Utility Company here in XXXX ). I initially disputed this debt with national grid due to that fact that they reinstated a charges for service from XXXX, and added to a current bill XXXX. XXXX is legitimate. 

The second is XXXX XXXX XXXX # XXXX as it relates to XXXX XXXX, have a balance XXXX. This is not my debt. 

the Third one is XXXX XXXX XXXX as it relates to XXXX XXXX in the amount of XXXX. This is not my debt.
Consumer complaint received 2023-01-16
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. (MD)

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX 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 2019-12-18
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)

XXXX XXXX # XXXX is reporting a debt that I do not owe. This debt was paid off by XXXX to release my account so I could transfer over to XXXX. It is paid and I do not owe this debt, it should no longer be on my credit.