davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-24
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. (PA)

On XX/XX/2017, I filed disputes with XXXX, XXXX   and Experian regarding an address on my credit reports belonging to someone who stole my identity, used my revolving credit account, made an illegal purchase, and had the item shipped to their address in Texas. Now that address shows up on my credit report. I disputed that address in XX/XX/2017, I was assured by all three companies that the issue was fixed but it was never fixed. I just logged on to my Experian account and checked my credit report. The Texas address is still there. All of the credit reporting agencies made me jump through hoops to get a police report, a letter from XXXX ( the revolving credit company ) and complete pages and pages of applications and online forms. I don't have time to keep doing this and nothing getting accomplished. I have been denied credit and almost arrested for fraud because when I completed an in-store electronic application, it asked me several questions. One was, " Did you ever live at any of these addresses? '' There were four addresses listed, three were just phony addresses and one was the fraudulent address in Texas. So when I answered " NO '' to all of the addresses, the customer service representative was advised my credit was declined and that I was trying to open a fraudulent account. I had to show my driver 's license, my military ID card, several credit cards and was embarrassed and outraged. These credit reporting agencies DID NOT do their jobs even though I cooperated and provided them everything they asked for. These credit reporting agencies should be ashamed of what they've done to me.
Consumer complaint received 2019-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Quall Cardot LLP (CA)

Having adverse moments taking care of my sick mother where she resides in XXXX. My mother had issues with a XXXX in her XXXX which debeated the purpose of paying some of my credit cards. I said its either my mother and saving her or my credit cards, enough said, had to let go on XXXX reference number XXXX now being XXXX XXXX XXXX, XXXX where they want {$6600.00}
Consumer complaint received 2019-08-23
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Dear CFPB, Im writing to you because my mortgage company has been playing games with me since XX/XX/2019. Almost 8 months ago I applied for a short sale with Select Portfolio Servicing and everything was going well the first 2 months of review until Select Portfolio Servicing requested a Brokers Price Opinion on my home.

The report from Select Portfolio Servicing finally came in after 4 weeks of waiting and with a big surprise I found out Select Portfolio Servicing didn't use an appraisal company to confirm the value of my home. 

I requested for a copy of the report since the amount that Select Portfolio Servicing was requesting for was over $  755,000.which that value shows several discrepancies considering the property value is only {$450000.00}. 

After reviewing the file with a manager by the name XXXX XXXX Supervisor from the consumer ombudsman dept. p. XXXX ext XXXX who advise that because the investor of this loan did not want to pay for an appraisal of review the account properly for a short sale. They had no choice to use the Brokers Price Opinion ordered. 

Also I found out that Select Portfolio Servicing MANIPULATED the report showing shows my property is based on multiple unit property with XXXX units. 
Which is completely false my property is not XXXX units, which I provided supporting documents from XXXX XXXX XXXX RECORDS AND A LICENSED APPRAISAL REPORT. 

Now XXXX XXXX Supervisor from the consumer ombudsman dept. p. XXXX ext XXXX refuses to take my call to address this issue of the fact that I have provided showing the proof this is a XXXX unit and the value that XXXX XXXX Supervisor from the consumer ombudsman dept. p. XXXX ext XXXX is wrong and false. 


Please help me since now Select Portfolio Servicing is manipulating the number of units on the value report to take advantage of me and refusing to help me avoid foreclosure even though I was already told my loan is qualified for a short sale. 


XXXX XXXX
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have a credit limit of {$10000.00} with XXXX XXXX. I took out {$3000.00} to pay for an upgrade in my home. This is the line of credit that is secured against my savings. XXXX XXXX turned me into the credit bureaus as having taken out a {$3000.00} loan unsecured And my credit score has dropped 39 points. Itll take me years to gain the 39 points back. I have already re-pay the {$3000.00}. Unfair reporting practices.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Tried to freeze credit with Equifax both on-line and via phone, but they refused to freeze credit. On-line system refused to place freeze ( " can't complete request '' ) and said I had to call them @ XXXX ( noon, XX/XX/XXXX ). Called them and wasted 20 minutes answering questions like " What bank did you open a credit card account with in XXXX? '' and " What bank did you have a mortgage with in XXXX? '' ( Answer multiple ... an answer not allowed ) .on their automatic response system Finally got an agent, who wasted another 20 minutes asking for the same info that was provided to their system during the same call, and then this XXXX wanted to know " What was your mortgage payment with XXXX XXXX XXXX '' Refused to answer my questions ( " Which of the XXXX or so XXXX XXXX mortgages are we talking about? '' or " How can you expect someone to remember what their mortgage payment was XXXX years ago? '' - we refinanced every XXXX months as interest rates were coming down in the XXXX and XXXX, XXXX XXXX was about every other one ). Agent refused to ask a question from this decade or to provide a supervisor when requested. An hour wasted trying to freeze credit from a company that willingly provides all their customers data to anyone willing to spend 5 minutes hacking their system.
Consumer complaint received 2019-08-23
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: Experian Information Solutions Inc. (NC)

I have filed numerous disputes with Experian concerning the reporting of inaccurate accounts listed on my consumer report with Experian. I continue to submit evidence proving that these accounts are erroneous yet Experian always mails correspondence at the completion of their investigation stating that these accounts were verified by the subscriber. Even when I highlight specific discrepancies in how the same accounts are reported differently to the other bureaus. That leads me believe that Experian did not conduct a reasonable investigation to include reviewing the evidence I submitted with each dispute and instead relied solely on their e-oscar system to parrot information from the furnishers of the information in my credit file even though I supplied evidence that they are providing different information to each XXXX, Experian and XXXX.
Consumer complaint received 2019-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

I documented all the steps I have taken in the attached document that is more detailed than this write-up and the dates. Please review it. 

There were fraudulent ACH debits on my account on XX/XX/XXXX for {$380.00} and {$4400.00}. I was proactive about securing my account by filing a claim and speaking with both the representative and a personal banker at the branch about the best steps to secure my account while the claim is being processed. Both representatives said that I should not close the account while the investigation is pending. However, one representative said that my account should be secure if I withdraw the funds from it and keep the balance low. Both reps claimed they could block ACH debits from my savings account, but not my checking. 

However, fraud continues to build up on my account. There was another unauthorized transaction that I noticed today, XX/XX/XXXX of a transaction on XX/XX/XXXX for {$380.00} that led to my account being overdrawn. I called in again and filed another claim, but I am dissatisfied that money is allowed to be continuously drained. 

I also applied for a {$500.00} promotion that has not posted. Obviously, the fraud and account security is more important, but I would appreciate if that could be expedited since it's probably necessary that I close the account since it's compromised. 

I believe I am being proactive about securing my account but Citibank is not. My checking account should be easily blocked from all future ACH debits. Please ensure this is the case. If this can not be done, I don't understand why we can't just close the account to prevent future fraud.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (TX)

I was with XXXX for over 10 years but because they were charging me almost {$200.00} a month, I decided to switch to XXXX XXXX XXXX. I made the switch in XXXX of 2018 and I owed them an equipment balance of about {$200.00}. I am college student who finds it hard at times to afford gas but I was saving up to pay off that balance. Early this year, I received notification that the balance had gone up to a whopping {$650.00} which is more than double the amount I was going to pay. Once this hit my credit about two months ago, my score dropped significantly. I reached out to the company and not only were they rude but they told me I would have to pay the complete balance then and there. They also told me that they would not provide written proof that the debt was paid off which makes absolutely no sense.
Consumer complaint received 2019-06-05
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. (MI)

I have had very good credit my entire life. I recently sold one of my houses and paid off a home equity loan that was attached to this house. Everything else stayed the same ; perfect payment history. My credit score dropped more than 100 points from a XXXX to a XXXX. I called Equifax to find out how I fix this and they told me there is nothing they can do, that I needed to hire a credit manager ( they probably own the credit managing company! ). They simply report what is reported to them. Paying off debt should not change my score that drastically. I will be applying for another mortgage for a rental property and my state uses credit scores to determine what you pay for insurance so this is going to cost me money. I need to get this fixed ASAP.
Consumer complaint received 2019-06-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fidelity National Financial, Inc (AZ)

XXXX XXXX has been collecting payments since the origination of the note 2005 XXXX XXXX does not have signed account servicing agreement for them to service XXXX XXXX is owned by Fidelity Title Fidelity Title owns XXXX XXXX That creates a conflict of interest
Consumer complaint received 2019-06-05
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. (NC)

Please reverse the late payments reported on the following accounts : DEPT OF ED/XXXX {$1300.00} ; DEPT OF ED/XXXX {$2400.00} ; The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (UT)

We are a XXXX  XXXX company in Utah and participated in a local festival XX/XX/XXXX through XX/XX/2019. We used the PayPal Here app to process debit and credit card transactions for the sale of our XXXX  XXXX XXXX and prepared XXXX drinks. Sales from this activity generated approximately {$1300.00} in revenue over the three day period. On Monday XXXX, XXXX, I tried to transfer the funds from the PayPal account to our business checking account. I was informed that {$500.00} was available to withdraw, but {$860.00} would be held for up to 30 days to guard against financial risk. In email communication with PayPal personnel, I was told " An account reserve is an amount of money set aside in your PayPal account to help make sure that you're able to meet any liabilities you may incur from a chargeback, claim or bank reversal, where no other money is available. The reserved amount still belongs to you but is unavailable for use ( including withdrawal ). '' The items for sale at the festival largely were consumed immediately by the purchaser, or if not, the purchaser took home a bag of {$14.00} XXXX XXXX. I could understand a two or three day hold, but feel 30 days is excessive. I asked directly exactly what date the funds would be available and have not been given that date. In the meantime, I am checking every day to see if we are able to make the transfer. I believe we will eventually get the funding, but the State of Utah requires sales tax to be paid by the end of this month and not having complete access to the funds represents additional hardship. Would appreciate any assistance from the CFPB in understanding how/why this practice is acceptable. Thank you.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

IT HAS BEEN OVER 30 DAYS WITHOUT ANY RESPONSE OR RESULTS! 
EQUIFAX is reporting TWO unauthorized hard inquiries to my credit report. I DEMAND to see SIGNED documents, privacy notices or credit applications with MY signature on them giving this company permission to access my credit file or DELETE from my equifax report NOW!!! *PLEASE REMOVE THE FOLLOWING HARD INQUIRES* 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/2018 Under what circumstances did I give this bank to access my credit report? PROVIDE ME WITH SIGNED AUTHORIZATION OR PROMPTLY DELETE THESE INQUIRIES OFF MY EQUIFAX FILE!
Consumer complaint received 2022-09-19
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. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX ( Original Creditor : XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

I want my granddaughter to assume the loan as she pays the mortgage and stays there. 
XXXX letter was signed and emailed to XXXX as requested. The prior rep had advised me to send in a letter to this address stating why the assumption was wanted with details. 
XXXX I email the XXXX stating that I havent heard anything what do we need to do to get the assumption process rolling I never get a response Mid XXXX I call because I still haven't heard or received any contact and told that it takes up to 30 days for their team to review it as they have to take it to investors to get the approval. 
XXXX XXXX I speak with a representative who states that the email was received, but it should have been mailed in, but it looked like it was already being processed. She stated that in the future this type of letter should have been sent via snail mail to SLSXXXX, CO XXXX and recommends XXXX Physical Letter signed and snail mailed out XXXX I called customer service to which they stated they had not received my letter, but recommend me sending it in, possible with tracking verification, and that they would open a ticket to search for the letter. 
XXXX XXXX The letter showing intent for myself to assume the loan resent. Attached was a letter stating all the interactions we have had. This was sent with tracking verification. This reached the destination XXXX and picked up XXXX
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENCORE CAPITAL GROUP INC. (TX)

I have tried to have information verified on my credit report by Midland Funding LLC, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Calif XXXX, I sent a certified return receipt letter to this company to the address listed on my credit report only to have it listed as " return to sender '' not deliverable as addressed and unable to forward. I believe this company has had so many inquiries asking to verify credit report information that they are trying to confuse the general public or frustrate it. 
The Fair Credit Reporting Act states that all information on a credit report has to be 100 % accurate including corresponding information about the creditor. I am not able to verify information on my credit report and that is a violation of federal Law. 
My initial inquiry was to have them provide verifiable information to me showing a signed contract between myself and Midland Funding LLC. proving that I owe them {$670.00} I am asking that any and all information on my credit reports from Midland Funding LLC be removed from my reports immediately. My certified return receipt letter was mailed XX/XX/2019 and returned on XX/XX/2019.
Consumer complaint received 2019-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Mr. Cooper Group Inc. (GA)

My wife and I relocated to Georgia 1.5 years ago. For 9 months we've been out of a kitchen & laundry room ( insurance claim ). 

For the past 2 months we have been working diligently with Mr. Cooper to take action on the necessary steps required to have funds released for our contractors to complete the repairs and every single time we provide them with what they need, they change their tune and add additional requirements. 

We have spoken to Mr. Cooper at least a dozen times and they assure us every single time " that's all they need '' ... until it's not. 

Quite frankly, I believe what is happening is they are holding on to the roughly {$40000.00} to profit off of our hardship. 

This is ridiculous.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

On XX/XX/XXXX we received a Notice of Cancellation from XXXX for nonpayment of premiums originally by XX/XX/XXXX in the amount of {$1700.00} for our policy effective XX/XX/XXXX through XX/XX/XXXX. The new due date would be {$1700.00} if paid by XX/XX/XXXX and we would not have a lapse in coverage. I contacted the insurance department on XX/XX/XXXX and learned that our Insurance renewal due date was showing as XX/XX/XXXX in the system so even though the renewal bill was received timely by Flagstar it was not paid. 

I investigated further as to why they would have an incorrect date for our insurance and examined my Flagstar transaction history. I noticed a payment made to XXXX in the amount of {$1400.00} on XX/XX/XXXX for a policy number that did not appear to be ours. I then went and reviewed my XXXX account transaction history and confirmed that my premium in the amount of {$1300.00} had been paid at closing on XX/XX/XXXX and credited to our XXXX policy as of XX/XX/XXXX. No other payments were credited to the account from Flagstar. I contacted Flagstar customer service who then transferred me to the Insurance Department. 

The representative I spoke with advised that the bill paid in XX/XX/XXXX was for the prior owner of our property. She stated that the renewal bill had our address listed but contained the account number for the prior owner and had the names of the prior owners. Because the address matched our property address the payment was issued from our escrow account. She advised the check had our loan number written on the check however, XXXX has confirmed that the check did in fact have the prior owners loan number written on the check. XXXX has advised that Flagstar will need to contact them in regards to curing this error as the policy is active and they can not refund the amount to me or Flagstar or transfer the funds from their account into mine. 

We paid a {$3500.00} shortage on XX/XX/XXXX covering this payment made to XXXX that was not ours to pay. Our insurance premium was not timely renewed and caused an increase in our premium. I would like to know how this happened as it is very evident that there is a lack of controls with validating insurance renewals and properly updating accounts. Pursuant to RESPA 1024.17 ( k ) ( 1 ), If  the terms of any federally related mortgage loan require the borrower to make payments to an escrow account, the servicer must pay the disbursements in a timely manner, that is, on or before the deadline to avoid a penalty, as long as the borrower 's payment is not more than 30 days overdue. Flagstar has failed to timely pay our insurance renewal and has fraudulently taken funds from our escrow account and paid someone else 's premiums creating a deficiency and shortage in our escrow account that should not have occurred due to their failure to reconcile and accurately account for our escrow line items.
Consumer complaint received 2019-06-05
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. (NV)

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX