davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kashable LLC (MO)

I am in the process of trying to close on a home and my loan processor informed me that I had an installment loan opened in XX/XX/2017 that showed current with a balance in the amount of {$5300.00}. I paid this off in XX/XX/XXXX. I contacted Kashable LLC and was informed that the pay off wouldnt show until possibly the end of XX/XX/XXXX. I thought all was well. The issue is that Kashable has not reported any of my biweekly payments. {$5300.00} was the original loan balance. I again contacted Kashable and was jnformed that they would try to get me a paid in full letter from the supervisor to provide to my processor. I emailed the same person the next day for an update and didnt get a response.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX/XXXX has discharged a loan and it still shows on my credit report as 129-149 days late. the discharge is due to the fact that should have NEVER been enrolled into this school in the first place.See document attached.
Consumer complaint received 2018-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I have been a customer of Union Bank ( UB ) for many years. In XX/XX/XXXX, UB offered a XXXX card. I accepted it. Even though, I always paid my balance in full and on time every months, the UB kept charged interest and fees. I got so sick of it, I stopped use it since XX/XX/XXXX. 
Last month, I learned that the UB sent {$41.00} to a collection firm XXXX XXXX XXXX, XXXX without any advance notification or billing statement. On XX/XX/XXXX, I wrote to UB regarding this matter. The UB 's representative, XXXX called and told me to deal with the original creditor ( XXXX ) who never claims that I owed them anything. The UB refused to accept the full responsibility for their wrong action. Thank you
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (WA)

Chase sent me an email stating that a payment was due. When I clicked on the link and logged into their site, it showed I had two cards each with a balance of {$0.00}. 

After the second time I received this email and attempted to pay, I called them and was told that I do not owe any money to Chase that all of my accounts show a {$0.00} balance. 

When I received a letter in the mail I called them again and after spending 45 minutes on the phone being bounced around to several departments I was told I have a balance on a closed account of ( approximately ) {$2500.00} and that they had charged late fees. 

I told them I felt this was shady as they wanted money from me but would not show me my statement. As of this date, about 4 weeks later, they still have not made my account information available on their website or sent an up to date statement.
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I have been in contact with SPS multiple times over the past 6 months to try and work out a solution. I asked about a forbearance plan to possibly move the missed payments to the end of the loan and I was told no. I asked about redoing the loan modification and was told no. They only thing they offered was an outstanding repayment plan over {$2200.00} a month. 

My wife had a XXXX last XX/XX/XXXX ( XX/XX/XXXX ) and missed a lot of work and we fell behind on our mortgage payment. I had talked to SPS about this and they did not seem like they wanted to try and work out anything. My wife also had to leave her job in XX/XX/XXXX and find a new job. She did find a new job but, this was 42 days later. This put us further behind. 

We are current {$11000.00} behind and do not want to lose our home or file for BK- no one wins in this. 

I would like some help working this out with SPS and understanding what they are telling us and how we should proceed. 

Thank you
Consumer complaint received 2018-04-08
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. (OH)

I disputed derogatory accounts with all three credit bureaus on XX/XX/2018 XXXX deleted and corrected the situation with the derogatory collection accounts, ( Accounts : XXXX # XXXX, XXXX # XXXX ) with XXXX  and Equifax the two derogatory collection accounts have not been deleted, XXXX  or Equifax investigation method does not equally reflect XXXX investigations or results.
Consumer complaint received 2018-04-08
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Onity Group Inc. (CA)

Ocwen has made an attempt to call me around XXXX, Saturday, XX/XX/2018 - this is in regards to collect a debt. Any information will be obtained and used for that personal business matter - however, if I remember correctly, we are on a balloon plan with them, so with that being said, this $ XXXX amount of debt owed, does NOT have to be paid, until the balloon payment plan that we are on, is settled and paid off. They call me once every month to remind me that the amount of the $ XXXX debt is owed, yet, we are in the mist, of trying to keep other bills current, and paid. But also last time I checked, we are current with the mortgage payments, so why are they still harassing / bugging for $ XXXX worth of late / misc. charges?
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

Yesterday I am paying bills, called XXXX cause I Looked at my bills and again like last month it has fees on it that I did not understand, so like always I call XXXX and they say that Experian has closed my XXXX account, I said what. What does experian has to do with my XXXX account. I know XXXX told me several months ago they would reduce my credit limit from XXXX to XXXX i was fine with that until I get the bill down. When I contacted them last month, expecting to pay them XXXX dollars or so the automated teller said XXXX so I paid the XXXX. There was the XXXX dollars on the statement then but I thought I guess they know what they are doing I will just pay what they suggest. The XXXX dollars. Now yesterday I called to see why the XXXX is still on the statement and they tell me that the account is officially closed by Experian. I am confused and the young lady said, she hated having to tell me and other customers this information because XXXX has not allowed the customer service staff to see whats going on so clients can know when they talk to customer service people. The accounts originated with XXXX how can clients accounts then can only be discussed with experian and closed by experian with no 30 day warning to rectify or change anything. Isn't experian a credit reporting agency how do they get the authority to view and close my account, I don't even understand. And why is it that the company I open the account with does not close the account but a credit reporting agency does. I will do my best to pay XXXX off in the next few months and have them out of my life.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am disputing the validity of the bankruptcy record your organization has included with my credit report. I have disputed in the past. Additionally, I am unable to properly dispute via your website.

I request that you provide the method of verification bankruptcy record youve listed on my credit record, please include the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; ( e ) the documentation used to verify ; This is my right under the Fair Credit Reporting Act : FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days or deleted the bankruptcy from my record
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

On XX/XX/2018 I wrote Equifax a dispute letter on the status of my credit report. I found multiply errors on my file and ask for Equifax to fix. Its has been 60 days now and i have not received a copy of my credit report and the fixes Equifax did hurt my score more than helped my score. Since Equifax had a data breach I was affected and they have given me credit monitoring through their site at XXXX. At this point I am following up with my letter to Equifax by filing this complaint to the CFPB. My next step is to file a lawsuit in federal court over several violations of the FCRA. What Equifax decided to do was to reboot my file from a current date in XXXX. After that hardly any files have been updated and many new creditors have been added to my file. My score would / should be at least 30 to 40 points higher. Im at the point of no return its just time to file the lawsuit the erroneous condition of my credit file can not continue to be represented as my current profile.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I tried to call these three credit reporting agencies for annual credit report and they said they can't recognize me over the phone even after I told them my personal information. They refuse to send me 3 free credit reports to me. Also I tried to get approved for XXXX It secured credit card but they declined my application. I suspect that my parents ; XXXX XXXX XXXX and XXXX XXXX XXXX are using my SSN to open more accounts and they financially abused my settlement money after I turned XXXX. I'm XXXX years old and I try to rebuild my credit using secured credit card but I can't because of fraudulent activities by my own parents. They need to be held accountable for doing that to me. I tried to call these three companies but they won't send me free credit report information because they can't recognize me at all. 
XXXX XXXX XXXX. XXXX  XXXX XXXX. XXXX, GA XXXX. XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, TX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, PA XXXX. XXXX.
Consumer complaint received 2018-04-09
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. (GA)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax & XXXX & XXXX Re : Fraudulent Accounts and Unauthorized Inquiries To whom it may concern : Be informed that this is an internal dispute and an affidavit. Recently i received a copy of my credit report and I discovered Inquiries i didnt not authorize along with fraudulent accounts. I understand and aware that you should not put an inquiry on my file unless i have approved it and you have my consent. After taking a close look at my credit report I notice so many errors on behalf of your company. I understand that I have been involved in a few breaches that has cause my credit info to be leaked by Equifax, and other companies. I have recently filed a police report against your company for the negligence and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and error accounts removed off my credit file immediately because i did not authorized them and they are fraudulent.

List fraudulent accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX   XXXX XXXX XXXX  7. XXXX XXXX XXXX XXXX. 8. XXXX XXXX   XXXX  9. XXXX XXXX XXXX XXXX INQUIRIES are uploaded in the attachments. Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 48 hrs of receiving this letter. I am prepared to file a lawsuit in small claims court where you will be forced to appear. Also be aware that I have sent in return receipt signature for pervious certified letters. Ive sent certified letters and I have records on file of the certified letters. I am keeping it as evidence when we appear in court. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MO)

I currently have a Walmart Mastercard. I recently noticed a reoccurring charge on my statement every month. I am not sure when this first started as I can only go back to my XX/XX/2017 statement on the Walmart website. This monthly charge is charged as 1.6 % of my current card balance every month for card security. I did not sign up for this service nor did I authorize this service from XXXX. This is through Synchrony Financial. After searching online this seems to be a common issue. There are many other people who were also unaware of this monthly charge, and did not sign up for " card security. '' I would like for the service to be discontinued immediately, and refunded for being charged for a service I never signed up for.
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (CA)

XX/XX/XXXX XXXX XXXX responded to my complaint to your agency ref # XXXX they stated the account was closed and returned to XXXX and that they had instructed the credit bureaus to remove the account from my credit report. 
I just received updated reports today XX/XX/XXXX showing Convergent verified this account on XX/XX/XXXX after they stated it would be removed. they are now in violation of the FCRA as well as FDCPA
Consumer complaint received 2018-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (IL)

On XX/XX/XXXX, I was notified by the Illinois Department XXXX XXXX XXXX that my personal information was stolen and XXXX gave me a year of credit monitoring. Fraud alerts were placed with the major reporting agencies. My credit reports were being monitored and no fraud accounts were opened or reported until I received credit report notifications from the 3 credit reporting agencies on XX/XX/XXXX regarding a new collections account from Security Credit Services for {$2300.00}. The original creditor is reported as XXXX XXXX. XXXX XXXX never ran a credit inquiry or reported any accounts on my credit reports until the collection account. XXXX has the collections account reporting last activity on XX/XX/XXXX. All 3 credit reporting agencies have the collections account reported on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX and they had the wrong name, the wrong address, only the last XXXX digits of my SS number, incorrect phone number and email address. They also told me they would open a fraud case and have someone call me but I never received a call for them. I then filed a police report with the XXXX XXXX XXXX police on XX/XX/XXXX for identity theft. On XX/XX/XXXX I called Security Credit Services to get more information and made the mistake of giving my current address as of XX/XX/XXXX, recently moved. Then I received a letter in the mail from XXXX XXXX XXXX XXXX requesting information to send to Security Credit Services and stating that the account information was verified, although the name is incorrect. The letter also asked for more information including my signature, but I feel I am giving them too much correct information and after reading the reviews and complaints of Security Credit Services, I feel they may be creating a fake debt and again, nothing was ever reported, inquiry or account on my credit reports for XXXX XXXX. On XX/XX/XXXX I filed an identity theft report with the Federal Trade Commission.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Dear CFPB, I am making a complaint against Experian for including a tax lien on my credit report that does not meet the XXXX ( XXXX XXXX XXXX XXXX ) standards for the listing of such. The XXXX requires that liens must have a full name, address, SSN ( not partially or completely redacted ) and/or DOB. The lien listed on my Experian credit data does not have the full SSN listed properly ( only last 4 digits ), does not list a DOB, nor does it include any address. XXXX, without any action on my part, followed the legally agreed upon requirements and removed the lien immediately due to this. However, Experian did not afford the same due diligence prior or after listing of the lien, which goes against my afforded legal rights. I am including a copy of the said lien in question.
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Iron Capital Group (WA)

On XX/XX/XXXX, I applied for a business line of credit with Iron Capital Group. This was under the understanding that personal credit would come into account, however, still under the business entity and under the pretense that this would be like a loan, line of credit or one credit card for the business. On XX/XX/XXXX, I found out that this company ( Iron Capital Group ) applied for about 15 credit cards in my personal name. Opening up credit card lines with out prior permission. When requested a list of companies they submitted information to, they only provided piece mill information. Making a huge decrease in my personal credit scores. This came about when XXXX XXXX  from Iron Capital sent an email stating, " if the credit card company calls, don't tell them we did your application. '' wanting me to provide fraudulent information to the creditor. Then, created an email on their own behalf ( Iron Capital Group ) with out my approval to communicate with these credit card companies. Not knowing WHAT information they have provided on my behalf and if it is even fraudulent or fictitious.

THE BIG ONE : contacted existing personal mortgage lenders, with perfect standings, and changed contact information. this was discovered when the mortgage lender contacted me regarding a fraud alert.

When requested Iron Capital Group to cease and desist. Which they did not and requested a fee of {$5300.00} for their service.
Consumer complaint received 2018-04-08
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. (NY)

I lost my wallet in XXXX. I immediately filed a police report. Since then, information has appeared on my credit report that does not belong to me. I have requested copies of my original signatures from creditors and the credit bureaus, yet I have never been provided with such. Not only have accounts been opened, but some of them have gone into collections. I have done all I can to resolve this. Next Step will be a civil suit against all 3 credit bureaus for reporting false information. The accounts listed below DO NOT belong to me, XXXX XXXX, and should be immediately removed from my credit report! Thank you, 1 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2100.00} 2 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Balance {$20000.00} 3 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$11000.00} 4 ) Date Opened : XX/XX/XXXX XXXX - Balance {$1500.00} 5 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1000.00} 6 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1500.00} 7 ) Date Opened : XX/XX/XXXX XXXX - Balance {$190.00} 8 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2900.00} 9 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1100.00}
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

In late XX/XX/XXXX or early XX/XX/XXXX, I submitted to the XXXX County Tax Office {$6300.00} to cover my XX/XX/XXXX property taxes. As a new refinance and first time I had taxes/insurance paid out of escrow. When I noticed where Flagstar had just paid those taxes as well, I contacted the XXXX County Tax Office for a refund. However, they had just sent back the " double payment '' back to Flagstar. 

I contacted Flagstar immediately ( 1XX/XX/XXXX ) and they took information over the phone. I also corresponded back to Flagstar again on 1XX/XX/XXXX about this refund. ..still no refund as of XX/XX/XXXX, so I called the escrow department and talked to XXXX. He told me that Flagstar would have a run an account analysis on my account and issue any refunds after that. He stated that the account analysis would be done sometime in XX/XX/XXXX. He said that this is the same procedure that Flagstar does for any customer. 

I stated to XXXX that Flagstar runs the analysis on customer 's accounts prior to a customer sending in lump sum payments or having their loan payment altered, so, no this is not the same process since they are holding in escrow this additional {$6300.00} that should not have any bearing on running an account analysis on my account. 

I also asked XXXX if Flagstar was going to pay me interest on these funds that they have " held in their account '' for nearly 90 days. His answer was no. 

I believe Flagstar Bank is practicing deceptive trade and I would think they must legally pay me interest on those funds when these funds are simply excess funds I requested back as soon as the XXXX County Tax Office submitted the funds to Flagstar Bank.