davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

A request for an Unemployment Forbearance Plan was submitted on XX/XX/XXXX. The 5-month Unemployment Forbearance Plan was approved XX/XX/XXXX ( effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00} ). However, on XX/XX/XXXX a Flex Modification Trial Plan Notice was received dated XX/XX/XXXX with an effective date of XX/XX/XXXX. A borrower solicitation call was also received from Ditech on XX/XX/XXXX in which the Loss Mitigation Representative ( XXXX ext. XXXX ) indicated the loan was not on an active Unemployment Forbearance Plan and the loan was not eligible for an Unemployment Forbearance Extension. I advised the representative that the next plan payment was due XX/XX/XXXX. In addition, I advised that I was still unemployed and according to XXXX XXXX   guidelines ( D2-3.2-02 : Forbearance Plan for Unemployed Borrowers effective XX/XX/XXXX ) the Servicer ( Ditech ) must evaluate the borrower for an extension of the Unemployment Forbearance plan if the borrower remains unemployed during the final month of the Unemployment Forbearance plan. I also advised the Servicer must receive written approval from XXXX XXXX prior to offering an Unemployment Forbearance plan with an initial term longer than six months. 

Unemployment Forbearance payments : PLAN DATE DUE AMOUNT PAYMENT DATE PAYMENT AMT DATE APPLIED 01 XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX 02 XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX 03 XX/XX/XXXX {$390.00} XX/XX/XXXX {$420.00} XX/XX/XXXX 04 XX/XX/XXXX {$390.00} XX/XX/XXXX {$420.00} XX/XX/XXXX 05 XX/XX/XXXX {$390.00} Not Due Yet *Escrow Shortage payment made XX/XX/XXXX in the amount of $ XXXX Since the initiation of the Unemployment Forbearance Plan there have been multiple servicing issues. The approval process for the forbearance plan took seven weeks to approve. Late fees were assessed although, the Fannie Mae Servicing Guide indicates the Servicer must not accrue or assess late charges to the borrower during the Unemployment Forbearance Plan ( fees finally reversed XX/XX/XXXX ). Forbearance payments ( escrow portion of scheduled payment ) were applied as a payment ( PITI ) on XX/XX/XXXX instead of being held in Unapplied Funds which will create an additional escrow shortage at the end of the Unemployment Forbearance Plan. 

It appears Ditech erroneously cancelled the Unemployment Forbearance due to the Modification Trial Plan Solicitation mailed XX/XX/XXXX.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Encircle Collections, Inc. (WV)

I had A burglary at my home resulting in the loss of personal items including birth certificates, social security cards, check books, and money. I recently learned of a check that was written off of the book of checks that were stolen. I contacted the collection agency and told them that I didn't write this check. They have been provided both an FTC affidavit and a police report. Yet they still refuse to remove this fraudulent account from my credit bureau report.
Consumer complaint received 2018-06-06
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: Santander Consumer USA Holdings Inc. (MA)

I have been disputing this account late payments since XX/XX/XXXX. I contacted them regarding late payments showing on my account..due to being misinformed by their customer service reps. I was told if I made partial payments due to financial difficulities at the time, I would not be reported late to the credit reporting agencies!! This was a lie! I have been with this company and asked that they remove one late payment ... instead they go back to 2014 and add three late payments causing my credit scores to dip. Santander Consumer is a horrible company which do not work with their customers at all. I have called, sent letters.. no avail. After doing research.. just XXXX  santander late removals .. they are known for this. There are less than six payments on this account and because their representatives misinformed me.. securing a mortgage has been difficult.
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OK)

I applied a Chase credit card and it got approved. I waited for a week to get the card. But when I received my credit card, I also got a letter about they are going to close my credit account at the same time. I don't know why it happened. If they don't want issue me a credit card, they should just disapprove my application. Not send me a card and also told me my account will be closed.
Consumer complaint received 2018-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (OH)

XXXX XXXX XXXX XXXX. Is attempting to collect a medical debt that originates from XXXX XXXX XXXXXXXX XXXX in the amount of {$440.00} from XX/XX/2017 that I do not owe because I had medical insurance through XXXX/Medicaid and it is highly impacting my credit and has been for some time now. I want it removed in full from my credit immediately and the status of the debt changed to paid in full immediately. I will prove I have/had insurance by attaching a current copy of my medical card. I had insurance at that time and I know this was paid for by my insurance so I want this matter resolved quickly
Consumer complaint received 2018-06-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (CA)

Home Point Financial incorrectly reported my account as delinquent ( past 30 days ) to the credit agencies. I already was notified by the agencies that my rating has dropped considerably due to this and I can verify this by logging into such services that show that. 

HPF is not answering their phones as I have tried to call multiple times this week. They are not responding to emails when they say they will within 24 hours. That time limit has come and gone. And apparently, I was not alone in having my rating trashed. Apparently, they submitted delinquencies on many accounts that they service due to some ridiculous error that never should have happened. 

A credit rating is not easy to repair and they have done great damage to my previously stellar rating. What can be done about this? 

Here is an article giving more details not he matter : XXXX XXXX XXXXXXXX Thank you.
Consumer complaint received 2018-04-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (MA)

In 2016 the borrower passed away I called them told them I was on XXXX and he had passed away and left me some life insurance they said I had to wait a year and after the year they said they don't refinance .... They also denied modifications I applied for now I had to sell my home of 15 years
Consumer complaint received 2018-06-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (OK)

I received a copy of a forbearance plan that caliber home loans put together on XX/XX/XXXX. 
I called and spoke with caliber home loans on XX/XX/XXXX about some additional details with the loan. 
I sent the letter off at the post office in XXXX XXXX, OK with the provided envelope from caliber home loans. The letter was going to XXXX XXXX. ( Is a 2 day delivery time with USPS. ) I called caliber home loans on XX/XX/XXXX, to see  what the status was and to see if they have received the letter. 
The CSR indicated that they have not and informed me that sending a letter takes 7 to 10 business days. 

Knowing that I received it on XX/XX/XXXX and sent it out the following day and the postal standards indicated by the caliber CSR then I would not have had enough time to get this to them with the provided postage. 

I asked the CSR if he could send me another copy of it, and he stated he would, after belittling me about not making copies of it. He also stated that it may take 24 hours. 

I feel that throughout this whole forbearance process, that caliber has not treated me fairly and I feel that they have intentionally held the process up for whatever reason they have had.
Consumer complaint received 2018-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

My Chase DDA had 3 service charges of {$12.00} due to my employer removing my direct deposit set-up to my Chase DDA. I called Chase on XX/XX/XXXX to inform them of why the direct deposits weren't coming in and that there is scheduled to be a direct deposit on Friday, XX/XX/XXXX therefore I wanted to see if the {$36.00} in fees could be reversed, bringing my account balance back to a positive {$0.00}. After a long hold on the phone, the representative indicated that he received approval to reverse the fees, which I would see credited in approximately 3 days. 

To my surprise, when I logged into chase.com on Friday, XX/XX/XXXX to view my direct deposit, my Checking account no longer appeared in OLB. I contacted Chase customer service again on Friday, XX/XX/XXXX and they informed me that the account had been closed. When asked why, I was told Chase closed it due to inactivity. When I spoke with the representative I explained that I didn't want the account closed and that the direct deposit of {$250.00} came into Chase on XX/XX/XXXX as planned ( and they confirmed ) so where are those funds and why was the account closed? 

In addition, I recived an e-mail from Chase on XX/XX/XXXX indicating that my deposit account statement was ready for viewing ... when I go to chase.com to view the statement, I can't because the account is no longer listed in OLB - how can they communicate a deceiving practice like this to consumers?
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TN)

I've talked to the Department of Education for many months trying to get this rectified. They are reporting a past due balance incorrectly. There is no balance and it continues to say " I was late '' account number ending XXXX & XXXX. They both say past due balance from XXXX and XXXX just reported it XXXX. I've also talked to Nelnet and they informed me they will get it fixed and nothing has happened.
Consumer complaint received 2018-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Around XX/XX/2017 my account was closed by BOA for suspicious activity on funds that were deposited by an authorize person I had given my card to due to my illness. My account was then closed by BOA. I called several times to follow up and even disputed the fact that I was not the person who deposited the funds so I was unaware of the situation that had occurred. When closing the account, a charge I dispute months early due to debit card fraud was placed back on to my account stating I owed them. I then asked to dispute it again and they said I could not due to the account being closed. Now I have negative reporting on my consumer report.
Consumer complaint received 2018-06-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MIDCOUNTRY FINANCIAL CORP (IL)

Loan account through XXXX XXXX XXXX was closed and charged of in XX/XX/XXXX with a balance of {$4000.00}. I filed a dispute in XX/XX/XXXX with the three Credit Bureaus regarding the validity of this account. XXXX XXXX responding by increasing the balance owed to {$10000.00} which is now reporting to the Credit Bureaus.
Consumer complaint received 2018-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (NM)

I used XXXX to help me settle some credit card debt. I have a contract with Wells Fargo that stated they agreed to except {$3600.00} in payments which I have and canceled checks by Wells Fargo to show this was paid in full. Their lawyer has now filed a suit against me for the outstanding amount which was an amount that Wells Fargo agreed to write off. I have all the canceled checks as well as a copy of the contract by Wells Fargo showing this was paid in full. I have placed multiple phone calls to The lawyer of Wells Fargo and he refuses to call me back.
Consumer complaint received 2018-04-20
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. (FL)

Disputing a debt showing on my credit report by XXXX XXXX for the amount of XXXX and XXXX

 I submitted a dispute on XX/XX/2018 via here I sent both my social as well as I requested from the company to show proof that it was my debt the company is saying that they sent debt validation which is not true all they sent was a paper that says XXXX XXXX XXXX and XXXX XXXX XXXX via here.

 Just sending a paper that shows someone's name similar to mine does not make it my debt no idea who either of those two people are and why is there a debt that is been said that is mine when is not.

No history of payments or written contract has been sent showing and reflecting that both of the debts are mine.

This is affecting my credit worthiness and my ability to obtain credit  I need both of this debts to be removed from the credit bureaus as well as  for this debt to be taken out of my name never had the accounts that it continues to say that I had.
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Shermeta Law Group, PLLC (OH)

On XX/XX/2018 i recived a summons to court for a credit card by shermeta law group for a credit card debt in the amount of {$2100.00} for a credit card debt i know nothing about i feel if i owe thus debt id like to know what its for and how it got to the amount they are sueing for it says the plantiff is XXXX XXXXXXXX XXXX i have hired a attorney to file an answer so they don't get a default judgment i would like to see a contract that i signed they did attach a generic copy of terms and conditions that i could print off my self from XXXX XXXX website. and i would like to see transactions that were made from the start of the debt to the end to validate this debt belongs to me and the amount
Consumer complaint received 2018-06-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Great American Finance Co (MO)

Great American Finance acct XXXX open XX/XX/XXXX struggle with making payments due to financial hardships being unemployed at the time acct XXXX 30 day XX/XX/XXXX became unemployed again and struggle with making payments requested all late payments to be removed when acct was paid off they denied it.
Consumer complaint received 2018-06-05
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. (GA)

I recently purchased a new vehicle from XXXX, the business manager ran my credit 3 times without disclosing me that he was needing to pull it. The representative admitted his mistake in pulling one and indicated he needed to pull from a separate source which was not disclosed. I filed a dispute with equifax online and after numerous failed attempts at accessing the report on their website was directed to call them. After speaking with a representative of equifax was informed they would not be able to dispute any inquiries despite contacting the creditor whom pulled to have them removed. No where on their website does it state these can not be disputed and was a complete waste of my time. I feel like they are refusing to protect my credit from these inquiries that were unauthorized and need assistance.
Consumer complaint received 2018-04-20
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. (CT)

Ive been working on cleaning up my credit report the last 3-4 months in preparation for refinancing student loans and leasing another car in the next 12 months, however I've been unsuccessful in correcting an error on my TransUnion report. 

I leased a 2016 XXXX XXXX from XXXX XXXX of XXXX XXXX XXXX CT XXXX in XX/XX/2016 and also purchased a 2016 XXXX in XX/XX/2016 from them as well. 

What Ive found is that TransUnion has been counting those 2 transactions as 7 hard inquiries on my credit report ( see attached ). I understand that the credit reporting agencies should have only counted these 7 inquiries as 2 because they each occurred within 7 days of the lease/purchase transaction, but that didn't happen in the case of TransUnion. When I called them a couple of weeks ago they told me that regardless of the way they report it, it counts only as 2 inquiries as far as they are concerned for the purposes of their credit score. They refused to take any further action. 

I recently requested an increase on my limit on a credit card with XXXX XXXX and was turned down in part based on information in my TransUnion report. 

While I understand that all these inquiries may roll off the report after 2 years, I cant wait for TransUnion in the hopes that they do it on a timely basis, since they already have shown a pattern of persistently reporting inaccurate information. 

I have attached a report with the corresponding information.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I have notified Experian of incorrect personal information. I also have called and they do not have live representatives. Their phone system routes you in circles without resolution or live help. 

My address is not showing correctly with Experian. They show an old address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. This incorrect address prohibits me from reaching them as their system is not able to validate me. 

In addition there are aka names listed that are not mine such as XXXX XXXX. 

They are also reporting that I have no active accounts but I have XXXX XXXX for a credit card and a car loan that they do not provide the current activity for. 

Please help me resolve this. My phone number is XXXX
Consumer complaint received 2018-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Skopos Financial, LLC (TX)

On XX/XX/2018 i spoke with a Supervisor and i paid my balance that was left for my payment. Then on XX/XX/XXXX a regular employee XXXX XXXX called saying oh my supervisor didnt collect the right amount so i need you to pay the rest. I advised him if a supervisor made a mistake he should fix it and now i will be charged a late fee because of his mistake.It was lates fee supposed to be remove. This company has made it to where i dislike doing business with them. I had told them for over 2 years for them to not call me because so many people say different stuff. Between my husband and i been in and out of the hospital. Like now my husband is under the doctor care after XXXX.I dont need to have any more XXXX behind this company.This company has t o be the worse i have ask for some services to be done instead they do the opposite. When XXXX was here they moved the payment but then report it to the credit bureau is late, if it is being moved to the end of my car payment. Every other company that i had dealt with do not do business like this.I have 2 late payment right now reported in XXXX and XXXX that they moved but still report it olate to the bureau. If they are helping me out why not help all around. I have been dealing with my husband and i health then also deaths.So please help i want all this corrected
Consumer complaint received 2018-04-20
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: Experian Information Solutions Inc. (GA)

See list of enquiries on my credit that I did not authorize and I know nothing about. 

XXXX XXXX Mortgage reporters XX/XX/XXXX & XX/XX/XXXX XXXX XXXX ( all banks ) XX/XX/XXXX XXXX XXXX Tenant Screeners XX/XX/XXXX
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

In XX/XX/XXXX I received my consumer report stating that My account was closed and paid for XXXXXXXX XXXX, which that information was correct. I tried to open another account due to the fact I paid them off and nothing else was on my report. I was then transferred to another representative stating that the account was not paid off and they need a receipt of the payment. I told them I no longer have access to the transaction which happened in XX/XX/XXXX-XX/XX/XXXX. The representative then says that she sees I paid it but the money was a returned payment. I advised that that could not be true. The issue is still not resolved and showing negative impact on my consumer history.
Consumer complaint received 2018-06-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

I was affected by Hurricane Irma. I applied and recieved a forbearance. After the forbearance, I applied for a loan modification and was told I was approved. I have made all of my trial payments but now when I call the service can't tell me when I will get modified. They keep saying it's been escalated or its worth the underwriting team. I called today, XX/XX/XXXX, and spoke with XXXX XXXX who said the same thing as everyone else. US Bank has sent me no documentation about the loan modification and are unable to give any solid answers except.its been escalated.