davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MI)

Numerous time since XXXX XXXX Seterus has put my mortage account into a false active bankruptcy status. XXXX XXXX Seterus submitted a false report to the credit agencies that my account is in active bankruptcy and in default. Since XXXX XXXX numerous times contacting Seterus and currently XXXX XXXX. Seterus has stated in writing that all issues have been resolved and corrected. Seterus has stated numerous times since XXXX XXXX that my credit report has been corrected and reflects current activity. All XXXX credit agencies, XXXX, XXXX, and XXXX have not been updated since XXXX XXXX. XXXX still reports that my mortage is in active bankruptcy and derogatory. Seterus states everything is current which is false.
Consumer complaint received 2019-02-24
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. (SC)

Starting on XX/XX/XXXX I started the process of Disputing debt being reported by XXXX XXXX XXXX/XXXX  who was reporting ( 7 ) accounts to my credit reports, all the same, account number but different amounts totaling {$94000.00}. I first sent a letter XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX XXXX/XXXX  and again on XX/XX/XXXX to all 3 credit reporting agencies XXXX, Transunion and XXXX. I explained these accounts did not belong to me and were unverifiable. Additionally, all accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XX/XX/XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my ( 14 ) different letters addressing each line item on my credit bureaus and copies of signature required service via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Consumer complaint received 2016-08-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (NJ)

Commonwealth Finance System, XXXX XXXX, XXXX is trying to collect a Medical debt of {$440.00} from XX/XX/2010 submitted by Virginia XXXX XXXX XXXX. 
I have n't lived in XXXX for 6 years and never received a bill from anyone and nothing was forwarded to me.
Consumer complaint received 2023-10-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (CA)

I had gotten repossessed on XXXX and paid it XX/XX/XXXX and the finance didnt let me get the car until XXXX because they said i needed to pay what i owed and i said i had already paid and i was told i wasnt able to get the car until i was up to date so i provided a copy of the reciept which was for XXXX the last agent i spoke to before picking up the car on XX/XX/XXXX told me my payment would be XX/XX/XXXX so that i can get caught up and straighten everything out since i had lost my job due to the repo when i got the car it was all damaged scratched wheel was missing and the battery was swaped i had to pay for all that because i couldnt drive it all the way to XXXX since it was 2 1/2 hours away i wasted XXXX just on the battery but i paid it because i wanted to have everything right before my payment date which was XX/XX/XXXX on XX/XX/XXXX i wake up to no car i was shooked because noteven a month ago i had gotten it back from repo and its repossessed again i had bearly started working and i have XXXX XXXX XXXX going to school as you can imagine how hard it was i called westlake financial and they said they had no clue to call the police because its been stolen i was told there was no repo order for my car. So then i findout they do have it and the agent i spoke to laughed at me and yelled at me and said i was a liar because i was lying that i had bearly gotten my car on XXXX i told him i had documents of the date i signed the release and he just hunguo on me
Consumer complaint received 2020-05-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (MT)

After reviewing my XXXX  credit report, I found a listing from Midwest Recovery Systems, for a payday loan from XXXX XXXX. I previously had a conversation with XXXX XXXX in XXXX indicating this was not my debt, as I have not lived in Washington State since the end of XXXX and they indicating they would be handling it internally. The listing indicates that it was opened on XX/XX/XXXX.
Consumer complaint received 2024-01-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LD Holdings Group, LLC (IL)

I have sent correspondence with registered mail # XXXX to your organization regarding my request to return my tender, securities, proceeds, interest and any other payments including all FRNs be returned ( Federal Reserve Notes aka Floating Rate Note ) Noticed a billing error for securities fraud. Since my initial request to return all funds were ignored. I am removing your rights from all securities, right to foreclosure, sale, ( Promissory ) Note and Deed of Trust/Mortgage/Security Deed. I am requesting you provide me with documentary evidence ( past, present and future ) on the public and private side per stipulations of GAAP located in your SEC filing. 

1st Tier Civil Penalty : after day 21 from above date $ XXXX due immediately. 
XXXX XXXX has begun day XXXX, which is $ XXXX during which such violation, practice, or breach continues. 

Loan Depot Acknowledgement Letter attached XX/XX/2023
Consumer complaint received 2022-02-11
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: EQUIFAX, INC. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-05-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

I paid a contractor {$550.00} with check # XXXX and he cashed this check on XXXX XXXX, XXXX. This person then redeposited the check on XXXX XXXX, XXXX, by changing the date to XX/XX/XXXX and Wells Fargo accepted it. I reported this theft on Monday, XXXX XXXX, XXXX and not a single person at Wells Fargo has been able to recover this money for me. 
I need someone to please help me with recovering this money stolen from me.
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

REF : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ Date 7/31/15Rushmore Loan Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX - Loan Office of President- REF Loan # XXXX ss # XXXXThis is a dispute about Rushmore taking over loan from XXXX. in XX/XX/XXXX and that they are double escrowing me on taxes when taxes are paid and Rushmore ck sent to taxes I reimbursed XXXX XXXX ) plus double paid taxes in XX/XX/XXXX. The amount taken over from in 1st mortage {$46000.00} with all errears and no escrow balance ( settled XXXX. Rushmore is asking for {$210.00} in escrow a month when qtr taxes are {$330.00} XXXX est. {$110.00} a month ) plus they are aware they I disputed this in XX/XX/XXXX at initial conception. They mis-appropiate my regular payments towards an account called " other '' and they have also have unapplied money on account totaling over {$1200.00}. They claim over XXXX owed immediatedly or threat to foreclose. This is a low income unit and is protected by C.O.A.H. Please look at misc debit postings of {$11.00} unexplained. Late charges of {$25.00} by which my registered mail can dispute. I made a complaint with Banking and Insurance. I went to Fair Housing and received counseling from XXXX XXXX. I am getting negative resolution from Rushmore and want re-posting of all my regular payments to appropiate months split with part going towards principal and part interest like it should have been from the start. Since they are not sending checks to XXXX XXXX except for the {$330.00} I reimbursed them and paid XXXX also ( double paid ) carrying me through 4th qtr. Please help me. I am a single mom raising a child with XXXX. My documents are attached to this complaint.
Consumer complaint received 2016-10-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Please refer to events which occurred by referring to CFPB complaint XXXX. This complaint is related to the above CFPB case no. XXXX. 

I might add to this case that the XXXX office -may have opened up a case against me to protect misconduct falsified documents created by XXXX employees XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( man who held the unlawful auction related to my owner occupied home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX - XXXX ignored a Federal Cease and Desist Order issued by my attorney ) DUE to a Television Interview conducted with me by a XXXX XXXX XXXX XXXX XXXX back XX/XX/XXXX. I believe a lower court BK judge was mad that I diplomatically exposed the abuse which I endured in her courtroom. When I tried to reach for help whether XXXX office, XXXX or XXXX XXXX or Congresswoman XXXX XXXX related to the falsified documents - I was always ignored. I have reason to believe due to XXXX opening a investigation on me due to someone not liking my interview. The interview was educational and based on my experience as a mortgage professional who sold loans following CA commercial codes. Please refer to Case No. XXXX.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I got approved for a line of credit with XXXX XXXX for {$1300.00}. I made a purchase of {$2400.00} and the representative who assisted me stated that as a XXXX buyer and card holder we allow you to put it all on store credit. Not XXXX time did she mention that it would cause me to go over my credit limit. I then get my first bill and my minimum payment due was {$1400.00} and I did n't understand why. When I contacted the company that 's when they said I am over my credit limit. This caused my credit score to drop XXXX points. I contacted the representative who helped me back on XXXX/XXXX/15 and she no longer works at the same location and she also lost her position as manager and now is assistant manager because what she did was wrong and it was n't honest and she got in a lot of trouble. I told her everything that happened and she and her manager are disputing this issue. She said she takes full responsibility for her actions and she will provide a letter stating what has happened so I can dispute it to the credit bureaus but I still have n't gotten the letter. 
The credit company raised my limit so I 'm no longer over the credit limit but that still does n't take away the intial hit on my credit and they need to take responsibility of this or do a reversal so it shows I never was over the credit. The company also hit my credit for a late payment even though I was n't late so they waived the late fee but that does n't take away the initial hit on my credit. I 'm waiting to hear back from corporate but no one is assisting me with getting in touch with me and I need to have this resolved before XXXX/XXXX/15 because if it 's not I will return everything so I can fix my credit.
Consumer complaint received 2016-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ERC (GA)

THERE ARE SEVERAL INCORRECT ITEAM LISTED ON MY REPORT WITH A FAMILY MEMBER NAME NOT MY OWN. I HAVE CONTACT CREDIT BREAU IM NOT GETTING ANY HELP. IM TRYING TO GET A HOME WITHIN THE NEXT 30 DAYS IN BY THIS INCORRECT INFORMATION BEING ON MY ACCCOUNT IS HOLDING ME BACK
Consumer complaint received 2023-12-31
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (PA)

For several months my tenant paid for a portion of her rent with money orders that were issued by Walmart in XXXX, PA. Walmart now refuses to cash these money orders despite the fact that they were made out to me and I presented identification. I attempted to cash them at my financial institutions on several occasions within the last 12 months. They would not honor them. It is now one year and several months past the one year mark from when two of these money orders were issued, and though there is no mention of additional fees to cash them in Pennsylvania on their website, nor on the money order, XXXX XXXX claims that the money orders have depreciated significantly in value, and can not be cashed any longer at face value, though it does not mention this anywhere on the money order nor on their website either. Walmart refuses to cash even the money orders that it issued within the past month. When I called to find out why, the representative stated that it somehow violated Walmart policy to cash my money orders that were made out to me to cash, but she would not say why. I feel that this is discriminatory because I am a divorced woman who owns a home.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

There is a account under XXXX XXXX reporting to my credit profile. I am not responsible for this account. Please investigate the info reporting. If youre unable to verify, please remove immediately. I have disputed previously.
Consumer complaint received 2016-08-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (KY)

Obtained a car loan from Westlake Financial Services XX/XX/XXXX. This company called my family, and my boyfriend continually over late payments made. They called my cell phone the day my payment was due to ensure I was paying. They repossessed my car XX/XX/XXXX, and never sent a notice of sale of the car. This company is very rude.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NC)

I opened an account with Chase back in XX/XX/XXXX. The account slipped into collections over eight years ago, in XX/XX/XXXX. Despite the account being in collections for more than 7 years, Chase continues to report this debt on my credit report. They purposely keep changing the date of last activity on this account to continue reporting it on my credit report.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Hello, my name is XXXX XXXX XXXX. I have been trying for the last couple of months to settle a dispute on my Transunion credit report. On my report it shows that I have a mortgage with XXXX XXXX XXXX, inc. ( XXXX ). This account ( XXXX ) was not mine and my social security number ( XXXX ) was incorrectly and illegally tied to that account. I tried to bring this to Transunion 's attention in XX/XX/XXXX and XX/XX/2016 but nothing happened. 

I have communicated with XXXX and now have the issue with them resolved. However, the account still shows up on my credit report. This is stopping me from future loans/mortgages. 

This needs to be taken off my credit report due to it not being my account. As I believe it, XXXX have sent this information to Transunion. I have also tried several times to report this to Transunion. 

Attached is a letter from XXXX stating that they have resolved the issue and reported it to Transunion.
Consumer complaint received 2016-03-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I got a letter in the mail started that I have an outstanding balance for capital one in the amount of {$3800.00} that I do n't even know about, I currently have an account with capital one at this time in good stand
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX and I am a consumer that is protected by the FCRA and FDCPA attached you will find Mortgage Companies as well as credit reporting Companies taken advantage of me by furnishing inaccurate/ incomplete accounts in my consumer report. 
Please see attached ; Being reported by XXXX, XXXX, EQUIFAX
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AZ)

Despite sending 3 letters to Experian credit reporting agency along with multiple legal documentation discrediting the incorrect reporting on my credit report, they did nothing! In fact, even the statement I asked them to place to place on the credit report was truncated to XXXX sentence which was not even written by me. I tried contacting both Experian and XXXX without success over the past 6 months. The Experian number only allows one to order reports and there is no option to speak to a representative. The XXXX number does not even work. A credit reporting agency should know that an account can not be charged off more than once and yet despite supplying them with legal documentation they continue to report XXXX charge offs. There was no loan with XXXX XXXX that was charged off in XXXX 2014 and XXXX 2014! A charge off can only happen once to one loan/account. Moreover, when I requested a description of how Experian processed the dispute, I received another credit report without any description or justification for the incorrect reporting. Not only did Experian disregarded my requests to include a statement in the credit report, they made no effort to correct the erroneous and damaging information they continue to disseminate while the other credit reporting agencies are reporting the account correctly ( please see attached ).
Consumer complaint received 2020-10-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$59.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$59.00} -This is not my account.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The creditor is XXXX from XXXX, DE. I did default on this loan and it was charged-off. I did recently paid this debt in full at the full pay off amount of {$1300.00}. Prior to me paying this debt off, I found out this debt was being reported as the following : On my XXXX credit report, it shows as being charged-off, but the account name shows XXXX/XXXX. I never had a loan with XXXX XXXX. I 'm not sure why this is even listed. There 's no information showing on my XXXX credit report. On my Transunion credit report it shows the account as being open, with a 90 day past due status. If a creditor saw this they would think the account is still open. There is a lot of inaccurate information on my credit reports. Also, prior to me paying off this debt with XXXX I sent a certified letter to XXXX XXXX as that was listed on my credit reports ( I found out they handle lots of accounts including XXXX, again I signed a contract with XXXX, not XXXX XXXX ) wishing to settle this debt in return for possibly deletion of the negative information from my credit reports. I never got a written response from this company, so I called them, they stated they do not settle accounts and I ask if I would get something in writing and they said " No '' .So I contacted XXXX directly and just paid the debt. This is why I 'm contacting the Bureau of Consumer Financial Protection so I can be assured that I will get a response and update to my credit reporting issue.