davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX/XXXX/XXXX I received alerts on my trans union monitoring service that my report had been pulled in response to a credit line increase on one of my credit cards with XXXX XXXX Upon checking I noticed my report was pulled 3 times. I called to discuss it and they said they were n't able to generate a report so they wo n't count. Further more they pulled XXXX the same day as I was on the phone with under writing to process the request. On XXXX/XXXX/XXXX I received another alert and upon checking noticed XXXX new pulls on my report. Again I called XXXX XXXX and was told they did n't pull my report and to contact Trans Union. I called and they said I need to call XXXX XXXX because they are in fact hard pulls done by XXXX XXXX I do n't know what to do at this point because each is pointing the finger at the other but I have XXXX unnecessary credit pulls in 2 days and 1 on XXXX for a simple credit line increase.
Consumer complaint received 2017-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KY)

Upon recently obtaining my credit report through transunion and XXXX, I discovered a debt showing in collections through a company by the name Midland Funding LLC located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Their telephone number is XXXX. They provided an account number of XXXX on my credit report. I have never held an account with this company and they are attempting to collect a debt that I did not make with them. I have never signed nor agreed to open any account with this company. I am certain this company has no agreement between them and I which I signed and agreed to. I feel this company is attempting to collect monies from me that I do not owe them. Judging by the Fair Debt Collections Act, this company is wrong by trying to collect money that I do not owe to them. I have attempted to settle this dispute by sending this company a letter of dispute via certified mail. I would like them to cease collection attempts immediately.
Consumer complaint received 2017-06-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My mortgage is currently serviced by  XXXX   XXXX . Prior to  XXXX , it was serviced by Bank of America, who is the current investor on the loan. Bank of America approved a loan modification prior to the servicing transfer to  XXXX   XXXX .  XXXX  never completed the loan modification and pushed the loan into a further delinquent status. Bank of America is in violation of th e National Mortgage Settlement of    XXXX  for failing to complete the modification and then transferring the servicing rights over to  XXXX . Bank of America has also breached contractual agreements by not solidifying loan modification terms.  XXXX   XXXX  has set a foreclosure sale date for  XXXX . I feel cheated and deceived by both Bank of America and  XXXX   XXXX , so I am seeking your assistance on this matter.
Consumer complaint received 2017-08-11
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)

XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XXXX & included in Judge 's discharge. Correct. XXXX buys mortgage in XXXX and also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date of XXXX where there involvement did n't start until XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & XXXX accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake XXXX refuses to correct.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XXXX & included in Judge 's discharge. Correct. XXXX buys mortgage in XXXX and also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date of XXXX where there involvement did n't start until XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & XXXX accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake XXXX refuses to correct.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XX/XX/XXXX & included in Judge 's discharge. Correct. XXXX buys mortgage in XX/XX/XXXXand also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date ofXX/XX/XXXX where there involvement did n't start until XX/XX/XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & XXXX accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake XXXX refuses to correct.
Consumer complaint received 2017-06-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC. (CA)

I have student loans, NEVER once in any sort of default and always in good standing ( shown on my Credit Report history ) Always been on an IBR payment plan of {$0.00} per month or on forbearance ( i hav e a paper trail from  navient which i attached to this complaint -- the most recent forbearance approval ) I filed an ability to benefit discharge in  XX/XX/XXXX / XX/XX/XXXX  since i should not have been issued student loans since i had no  XXX/Diploma  at the time i enrolled in the school and was not tested per the rules, supposedly when i did this request, the guarantor ( ECMC ) paid off the loans immediately. ( which does not seem right? ... Why would you pay off loans before investigating my complaint/issue? ) The  XXXX  discharge request was denied by ECMC an d Dept of education a ppeal ( and ive asked for proof of the  XXXX  test they supposedly administered to me and it was never provided ), now all the sudden i 'm in default on my  XXXX  loans ... and  ECMC wont put  the loans back with Navient to go back to the good standing they were in. They want full payment and that 's my only option. its dropped my  credit score   XXXX  points now just after i got it up to over  XXXX .  <P/> Per the federal student loan website : i should have been sent monthly statements ( which hasnt been sent at  all )  and i can not be reported as defaulted until its over 270 days LATE.  <P/> My loans have never been late and have always been on a forbearance or IBR. ( i have a statement of a approved forbearance showing an end date of  X/X/18    )
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

Amsher Collection agency  is erroneously reporting an account fro  XXXX  that is the result of identity theft. I have repeatedly requested verification, validation and then submitted a copy of my FTC identity theft report and Amsher has not responded or removed this fraudulent account from my credit report.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

the loan was modified b y Ocwen loan servicing but i could not make payments on the Loan because they lost my mortgage modification papers twice after approving them .by the time they finally fixed my loan the loan was kicked off by their system.they closed the loan and said and put in my credit report that loan was charged off as a bad debt. they actually sold the loan to another company and I am actually paying on the loan .Ocwen loan servicing  has committed an act of fraud against me.
Consumer complaint received 2017-06-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (CA)

ON  X/XX/2013  I HAVE A VEHICLE TRADE IN PURCHASE ORDER FOR MY TRUCK TRADE IN ALLOWANCE  XXXX  ESTIMATE PAYOFF  XXXX  EQUITY  XXXX . ON  X/XX/2013  THE DEALER   XXXX   XXXX   XXXX   RESCINDED THE SALE FOR THE THE   XXXX   XXXX   FOR THE FOLLOWING REASONS PRE BANK APPROVAL. I DO NOT HAVE A CONTRACT FOR THE   XXXX   XXXX   NOR ANY AGREEMENTS OR SIGNATURES FOR A NEW CONTRACT OR MY CONSENT TO MAKE PAYMENTS TO  WELLS FARGO  FOR   XXXX   XXXX   USED VEHICLE I HAVE BEEN MAKING PAYMENTS ON IN THE AMOUNT OF {$370.00} A MONTH EVER SENSE THIS SHADY DEAL TOOK PLACE BETWEEN   XXXX   XXXX   XXXX   AND  WELLS FARGO B ANK FOR USED VEHICLES. THEY HAVE TAKEN MY TRUCK TAKEN TEN OF THOUSANDS OF DOLLARS AND KNOW THEY WANT THE CAR BACK AFTER THEY HAVE WRITTEN OFF LOAN FOR NO PAYMENTS RECEIVED WHILE RUINING MY CREDIT. NO CONTRACT SHOW ME THE CONTRACT I HAVE A CONTRACT FOR MY TRUCK I HAVE A CONTRACT FOR MY   XXXX   I HAVE NO CONTRACT FOR THE   XXXX   XXXX  . ALSO THIS  XXXX  HAS BEEN SERVICED BY   XXXX   XXXX   XXXX     XXXX   XXXX   CALIF AND NEVER ONCE HAVE THEY REPORTED A LICENSE NUMBER ON ANY SERVICE ORDERS BUT HAVE DONE SO FOR MY FIANCES VEHICLE. THIS CAR IS A LEMON FRAUDULENT NIGHTMARE.
Consumer complaint received 2017-08-11
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. (GA)

A computer glitch that was XXXX problem, not mine has caused inquiries to be deleted from my credit report which they later placed back on my report without a legal 5 day written notice. I contacted XXXX in good faith to ask that they delete what was re-added they chose a few to delete. These inquiries that I did n't authorize are causing a hardship and my rights were violated.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have been attempting to freeze my credit with Equifax has been nothing but a nightmare. 

I attempted to use their online system yesterday ( XX/XX/XXXX ) and received a " System Error - try again later '' message each time. I tried to use the online system again today ( XX/XX/XXXX) and received a slightly different, yet equally vexing message : " We are currently unable to service your request. Please try again later. '' I called the phone number listed on the FTC website ( XXXX ) and got a busy signal. 

I called the phone number listed as their automated service line ( XXXX ), for which credit freeze is listed as an available service. However, after pressing the required numbers on the keypad, listing my state, etc. I was told by the robotic man that a credit freeze service was not available at this time and to try again later. 

I went to their chat help at XXXX onXX/XX/XXXX and the page read " Chat unavailable - Check back weekdays XXXX ET '' ( So I was visiting during their listed hours, yet chat was not available. ) None of the credit freeze request methods listed by Equifax are actually viable. It is absolutely unacceptable and ludicrous that the agency who lost sensitive consumer data is also the agency through which it is, apparently, impossible to actually freeze one 's credit!
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I am concerned about the XXXX data breach. I have to take ( and pay for ) steps in order to protect my credit which was compromised through no fault of my own. Credit freeze and thaw should be free under federal law.
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (ND)

To Whom it May Concern, I have a citibank double cash card and had set up autopay to pay for my bills. However, I have just discovered that my account was n't paid off using autopay. For some reason the autopay was switched off. I had technical issues with their system before, but that is a major problem as I ca n't really trust their transaction system. Plus, they charged me {$65.00} for an interest fee that should have never been accumulated in the first place.
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

Tried to use my CITI Costco Business card on XXXX/XXXX/2017 at a restaurant. It was declined twice. Called up the Customer Service number and was told that the Citi Executive Response Unit has made the decision to cancel the account and they can not give me a reason. I am supposed to mail a letter to Executive Response Unit, XXXX XXXX XXXX, XXXX XXXX, SD XXXX and wait to hear from them. That is the only way I will get an answer. There is no telephone number to contact them. Meanwhile ; I am left with no Business Credit Card for reasons unknown to me and Customer Service at CITIBANK will not answer any questions
Consumer complaint received 2018-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP (SC)

I got behind on the loan and they had me served with civil court documents. I called and talked with them and was working out a different payment arrangement. I was making smaller payments to them. I was told the process of being sued would be placed on hold. I kept making the smaller payments then about 2 months into makeing the smaller payments i was notified that they proceeded with the lawsuit with no notice i was found in default because i did not appear. Resulting in a lien being placed on my house and they are refusing to subordinate the lien. This company is a snake in the grass. I am willing to work out a repayment plan as long as they subordinate the lien or remove it. I am checking into my options to counter sue because they are going to cause me to loose my house.
Consumer complaint received 2017-06-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

Duplex  XX/XX/XXXX   {$10000.00} purchase price   XX/XX/XXXX  per manent financing -payoff of {$48000.00} rehab loan {$6300.00} paid {$47000.00} loan amount - {$360.00} payments - {$370.00} annual taxes - {$590.00} annual insurance {$69000.00} payments  XX/XX/XXXX  streamline refinance {$43000.00} balance - {$290.00} payments for 84 months.   - {$270.00} remaining {$15000.00} payments  XX/XX/XXXX  refinance - XXXX  payoff - {$9300.00} plus {$3900.00}  'cash out '  to commerce - {$590.00} to   XXXX   XXXX   {$54000.00} payments {$1000.00} in escrow account {$1000.00} unapplied funds {$18.00} fee returned {$15.00} late fee {$410.00} payment returned XX/XX/XXXX  {$540.00} {$560.00} {$530.00} checks returned in  XXXX  No payment in XX/XX/XXXX   XXXX  foreclosure notice  ( news clip ping from a lawyer ).  <P/> Dozens of calls and faxes to cancel  XXXX  foreclosure. Modification offer increased {$360.00} payment to nearly $  XXXX .  <P/> Did not sign. Request for terms reducing the payment. No response as of  XXXX  mailed {$2300.00} payments - All returned. ( {$500.00} application fee sent   XXXX   XXXX   never collected ) foreclosed 2 days after denial ( ( by   XXXX   XXXX   ? ).   XXXX  was n't late yet. Reinstatement quite -less than  24 hours prior to sale- showed ONE late fee.
Consumer complaint received 2017-06-08
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. (IN)

I requested that  XXXX  accounts that has been added to my  Trans Union  and   XXXX    credit be removed as that do n't belong to me.  XXXX  credit has removed the bogus accounts bu t Trans Union  and   XXXX   says per their investigation the information will remains and is verified to be accurate. I have never went to  XXXX   XXXX   XXXX  for anything and the collection agency says it 's back from  XXXX . So something I have no knowledge of that happen in  XXXX  is still on my credit that 's unrealistic. The following accounts are on my  XXXX  and  Trans Union and  they should be removed immediately :  XXXX   XXXX  {$800.00}  XXXX   XXXX  {$1700.00}   XXXX    XXXX  {$800.00} I have requested that these items be removed each month since  XXXX   XXXX  and each month I get a letter stating that items remain as has been verified, but noway could it be verified because I never have been to   XXXX   XXXX    XXXX  for any services EVER ... ....     Please remove items as they are ruining  my credit score .
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

I applied for a  Chase Sapphire Reserve cr edit card  on  XX/XX/XXXX . I   de cided to apply since my  credit score fro m  XXXX , provided to me by  Chase 's Credit Journey web site -- which details personal credit history to Chase Bank customers -- was a  XXXX   (  it is now a  XXXX  ). And I have had a credit card with  Chase  since   XX/XX/XXXX   ( now it 's called th e Chase Freedom c ard ) ; my balance for this credit card has always been paid off each month.  <P/> A letter date d XX/XX/XXXX  from Chase  Bank stated that I was rejected for this C hase Sapphire Reserve credit card due to " lack of recent consumer finance company account information. '' This letter arrived to my home on  XX/XX/XXXX .   <P/> O n XX/XX/XXXX , I called Chase 's customer service to get further information on what their rejection rationale exactly meant. They stated that they could see that I 've had my credit card with Chase for 9 years, which has never had a delinquent payment. They saw that I had finished paying off my college loans in  XX/XX/XXXX .   <P/> However, Chase Bank was basing their decision regarding my application on my credit report from  XXXX , and not from the  one  provided by  XXXX .  <P/>   XXXX   XXXX   credit report for me, however, was erroneous, since  XXXX  had not reported any information from  Chase regarding my Chase Freedom card. And Chase  knew that this information was erroneous since they knew that I had an active credit card account with their company for nearly a decade.  <P/> I wrote to   XXXX   regarding this error, requesting my credit report from them, since I could not apply for or access my credit report on their website or over the phone -- despite giving them my personal information each time I inquired. Attached below is a letter ( with blacked out personal information ) that I sent to them  on  XX/XX/XXXX .
Consumer complaint received 2017-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XXXX XXXX 2017, I sent a certified return receipt letter to Capital One Auto Finance with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XXXX XXXX 2017. <P/>On XXXX XXXX 2017, I received a letter from the Credit Bureau Team of Capital One Auto Finance stating the have confirmed that Capital One Auto Finance is reporting correctly.
<P/>
Capital One " verified '' with out showing my signature nor providing information on who conducted the verification of the account. <P/>On XXXX XXXX, 2017, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XXXX2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today, XX/XX/2017, I received an updated credit report from XXXX showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of Capital One Auto Finance as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).