davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (TX)

In XXXX I refinanced my mortgage loan with Flagstar with a balance of XXXX around or about in XXXX XXXX to lower my interest rate. After that I got sick at work, I was able to make my payments but got behind about 3 months. But made consistent payments while my loan modification was in process. I was approved in XXXX. But later on in XXXX my payments got behind about 60 days, then I applied for a modification since it was about 30 months since the last one. 
It took from XX/XX/XXXX to XX/XX/XXXX to get my modification, my issue is all the late fees should have been removed from my account during this time but was not and also my balance was XXXX, XXXX when my mortgage was transferred to XXXX XXXX XXXX. When my account was transferred I was still in the process of a modification. In XXXX XXXX my loan was modified and the late fees from 5 months was removed. Flagstar did n't remove the late fees and other charges from the loan prior to transferring the loan. Also, when I contact them for total late fees, other fees, and paper to validate Flagstar refers me to the new lender which only provides credits for the 5 months they had the loan. My loan has had about XXXX paid to my mortgage as I have only been 6 payments behind the entire time. My balance today is incorrect with the new lender. 
The claim I am making is Flagstar has pocketed a great deal of my money for payments to my mortgage account. I need help getting the late payment fee, other fee and misc. fees removed from their records so XXXX can honor the law under the Modification act. Please inquire as to all the fees on my mortgage. Flagstar received payments from XXXX XXXX to XXXX XXXX. My payments were {$1100.00} a month around are about. Now I pay, {$890.00}, because XXXX was deferred by XXXX to after my loan is paid off. I was told this should have already been paid but Flagstar has to credit this to the account under the CFPB lawsuit where they were found breaking the law.
Consumer complaint received 2015-06-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

problem is XXXX reporting what select portfolio servicing, XXXX XXXX and XXXX XXXX are sending them. I have disputed several times with all XXXX agencies and XXXX or XXXX with this cfpb. my wife and I were in a mortgage that was an A R M and before it started to change we tried to refi with no success we later ended up filing chapter XXXX bankruptcy in 2006. we still tried to keep the house and get a modification from the bank with no success ended up rolling the house in to the bankruptcy thru a modification approved and passed thru by the trustees office mortgage company was XXXX XXXX then XXXX XXXX then XXXX to now select portfolio servicing is reporting improperly to credit agencies reporting late pays 120 days or more on an account number we never had XXXX tried to say we excepting a modification and started reporting late pays on that account that was never excepted or approved if any report it should say house was surrendered back to bank in a chapter XXXX bankruptcynow we are trying to buy a new house for us butt have this big issue to fix
Consumer complaint received 2017-03-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: EXPERT GLOBAL SOLUTIONS, INC. (IL)

On XXXX, 2016, I obtained a consumer form XXXX which is being serviced by System & Services Technologies Inc ( SST ). I am unable to obtain any monthly statements that will indicate payments made toward this loan. Their website only provides basic info, such as : date & amount of loan and monthly due date for payments. Why is this company obligated to provide regular statements to it 's customers?
Consumer complaint received 2016-02-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

I field a complaint due to inaccuracies reported on my Credit Report. The inaccuracy had negative effects on my score and consequently on my relationship with said creditor and others as well. I was unable to funding with creditors. 

I requested that the item be removed if the inaccuracy was verified. 

The inaccuracy was verified. Proof of the inaccuracy is that the Credit Reporting Agency made an update to my account. 

The acceptance of inaccuracies on my report due to my dispute should have the consequence petitioned on said dispute. The inaccuracies have had negative effects which need to be repaird as asked for in the dispute ; Removal of Account.
Consumer complaint received 2015-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Western Portfolio Assets (OH)

I received a phone call today from XXXX and XXXX claiming that if I did not pay {$900.00} within an hour that papers would be served. I contacted the original creditor, XXXX Bank who provided me with information on where the account was sold. This account was sold to XXXX XXXX XXXX who then sold it to XXXX XXXX who then sold it to XXXX for {$240.00} who then sold it to XXXX XXXX for {$240.00} who sold it to XXXX XXXX on XXXX/XXXX/2015 which was yesterday. XXXX claimed to have sold it to Western Portfolio Assets the same day. Western Portfolio Assets claimed their sister office, XXXX XXXX XXXX has the account. When I spoke to them and asked for a validation document from the original creditor they stated they do not have to since they now own the debt. 
How does the said debt go from {$240.00} to {$900.00}? This company who according to the Chain of Title just received ownership of the debt yesterday and has claimed to sent letters to my address over 30 days ago. I have never received a letter from this company or any company regarding this debt. They are threatening to take me to court if I do not pay the {$900.00} or an agreed upon amount within the hour. This debt is not on any XXXX of my credit reports.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I am in the process of applying for a home mortgage. 

I misplaced my passwords and/or PINs for the three major credit reporting institutions : Experian, XXXX, and XXXX. So, to preface this complaint, if I had 100 % fidelity in regards to password/login/PIN management, you would not be hearing from me now. 

On Friday, XX/XX/XXXX, I spent ~ 90 ' trying to undo my error. I was successful with both XXXX and XXXX. The 45 ' I spent that evening working w/ Experian resulted in me reaching a dead end electronically and via phone. I was provided a piece of paper advising me to send ( via mail, no less ) a copy of my driver 's license, a copy of my original SS card, a bank statement with my address, and a utility bill with my address to Experian in XXXX TX. 

Due to being under some time constraints, I have spent ~ 45 ' on the phone with Experian personnel on XX/XX/XXXX and XX/XX/XXXX. Much of that time is on hold as Experian has many roadblocks in place to ensure that speaking with an Experian employee is difficult. Yesterday, I reached someone at the supervisor level who, I thought, was helpful. That individual instructed me to upload the above documentation to Experian ( via a web address ) and then call back the next business day. When I did that today to discuss my request for a new PIN number, I was told that uploading my documentation to Experian and then calling was not sufficient for their purposes and I was again advised to mail my documentation to them, whereupon my documents would be acted on within 10 business days and that I would receive a response via US Mail. As of this complaint, I have sent my documentation to Experian via XXXX XXXX  this afternoon. Included with that was a memo I drafted requesting a phone call and/or email response to expedite resolution of the impasse in which I find myself. 

I'm all for security, but I don't like being held hostage. This company is off the rails. I have the luxury of time prior to a potential closing date to overcome their lack of helpfulness. However, if this were not the case, my life could be substantially derailed by their inflexibility in the service of security. This is particularly ironic in the case of this company which has had at least one significant data breach in the past. In XX/XX/2019, for a company with this power to be doing all of their work via paper through the mail, is laughable from the perspectives of both wasted time and security.
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

I submitted a complaint on here on XXXX XXXX, XXXX in regards to XXXX XXXX XXXX improper validation of my so called debt. I sent them XXXX different letters, first being on XXXX XXXX, XXXX that was received and signed for on XXXX XXXX and the second being on XXXX XXXX, XXXX that received and signed for on XXXX XXXX, XXXX. Both letters were sent certified mail. XXXX XXXX XXXX replied back to my complaint that I filed on here, XXXX XXXX XXXX. Below is their response which is completely false and in accurate. 


" Response disputed XXXX XXXX XXXX XXXX said : Explanation of closure XXXX purchased the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ( " XXXX XXXX '' ) credit XXXX account ending in XXXX on or about XXXX XXXX, XXXX Business records provided to XXXX by XXXX XXXX at the time of our purchase verify that the account was opened on XXXX XXXX, XXXX, by XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$480.00} was due on the account at the time of XXXX XXXX purchase. 
XXXX sent its initial notification letter to you on or about XXXX XXXX, XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. In response to your dispute, XXXX has sent a letter on or about XXXX XXXX, XXXX, containing validation. XXXX also sent a letter containing a fraud/identity theft affidavit with instructions for its completion and return. 

Response In response to your complaint, XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) investigated and verified the XXXX account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time '' I never received any such letters on the past dates that they are stating. I share the same name with my deceased father that passed away in XXXX. He was going through financial hardship in his last years, I already have a identity fraud case filed with all XXXX reporting credit bureaus. It is very easy for a parent who shares a name with their child to open accounts in the child 's name. Which is the case here. This debt does not belong to me what so ever. This account needs to be deleted from my XXXX XXXX and Experian credit reports. XXXX XXXX XXXX broke the law by not responding to me in a timely manner and not even responding at all. I never received the letters they claim they sent on XXXX XXXX, XXXX or the letter they claim to have sent on or about XXXX XXXX, XXXX.
Consumer complaint received 2015-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit Management contacted me at on XXXX/XXXX/2015 at XXXX to collect a debt owed by a XXXX XXXX. I was disconnected XXXX times this XXXX after requesting to speak with a manager or supervisor to address this matter.
Consumer complaint received 2019-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I paid off the remaining balance on my loan on XX/XX/2019 and cancelled my enrollment in autopayment ( which has been going on for years ). NAVIENT processes a payment on XX/XX/2019 for {$270.00} even though the loan balance was zero and the autopayment shows up in the website as stopped. They said it was already scheduled. They then said it would take 30-45 days to refund the over-payment. This is a scam. Everything is run by computers and I checked the balance on XX/XX/2019 and it showed zero and said the load was paid-off, also showed autopayment was cancelled. 
I then told the agent on the phone that they should pay me back interest at the 5.125 % that they charge me to hold my funds. 
Again this is a scam by a large company and the most complained about financial institution in the USA, probably the world. 
If they can withdraw funds from my bank in a single day, then there is not reason why they should not be able to retunr the funds in a single day.
Consumer complaint received 2019-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested documentation from XXXX XXXX XXXX ( XXXX XXXX XXXX  ) concerning a debt you have listed on my credit report with you agency. I have request multiple times through the XXXX XXXX XXXX XXXX that XXXX XXXX XXXX refuses to provide legal documents according to the FCRA and FDCPA law and regulations. This included being denied copies of any signed contracts, accounting and statements to prove the debt they are reporting- Without proper documentation this information is being reported to my credit report illegally and I ask that it be removed today
Consumer complaint received 2016-09-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (WA)

My great granddaughter ( XXXX ) was left on my doorstep. I needed find out if she was immunized or get her immunized to attend child care. The granddaughter was personally covered by Medicaid. The doctor accepted the Medicaid and informed the lab but the lab sent me the bill I sent XXXX the child 's Medicaid account information and they persisted billing me, Eventually turning it over to collection. I sent a letter to the collection agency ( attached ) they did not respond and filed multiple failure to pay with the various credit reporting agencies. I am not responsible for the debt. I have seen medical providers illegally by pass collecting from Medicare and badger the person to get more more money for the service than Medicare will pay. I believe that was what happened here.
Consumer complaint received 2015-06-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NJ)

Went to see my doctor and asked for certain type of XXXX for a procedure that it should of been covered by my medical plan. a month later I get a bill in the mail from the doctors office and the XXXX company. after several attempts with the doctors office they realized that it was a first time visit and it should be cover with my insurance plan also the XXXX should of been covered by my plan. they corrected the office visit bill but never corrected with the XXXX. 
I should not be paying for the XXXX bill since I did not requested those additional XXXX. 
my visit and XXXX should be paid by the insurance company in full. the extra XXXX was irrelevant to my procedure. there was no need to have added tests to the XXXX it was required. 
I called the insurance company and put the dr office in a conference call, they were going to call the XXXX to correct the bill and they did not. 

I have an outstanding credit history. I pay my bills on time. However if the bill does not belong to me to pay I will not pay it.
Consumer complaint received 2016-09-04
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had XXXX accounts with khols department store which a rep had closed one of my accounts without my permission which i was never notified by either mail or phone nor email.I have worked with an attorney to help solve the issue which a customer can only have XXXX account I had XXXX which was under my married name and XXXX under my original last name.I have asked them to accommodate me with this issue but nothing was done.I have been denied school loans personal cant purchased a car was denied 3 times for that my attorney at the time reached out 2 times and still no response .They have received a demanded amout that I have requested.
Consumer complaint received 2023-04-20
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX. XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I spoke to XXXX around XXXX Pacific Time. The call was regarding a missing card that I never received. He asked for my address within the conversation. XXXX stated the address was updated on XXXX/XXXX/2015 around XXXX. However, he would not give me the previous address on file so I can verify if it was my previous address in the past. So I asked for IP address to confirm it actually took place online from me ( In case I changed it and missed some details ). He stated they do not have that on record. My statements for the month of XXXX 2015 have my correct address. So my card was sent to a different address that Capital One does not want to provide to me. I need to know why it was changed, why my card was sent to another location even when my statements are arriving to my current address. I was a victim of the XXXX data breach and I need this to take actions to protect myself and make sure I can contact the Credit Reporting Agency if the address was fetched from their databases. I am including a copy of statements from XXXX 2015 ( prior to the stated address change date ). The statements have my current address and I have been receiving mail successfully.
Consumer complaint received 2015-08-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: USA DISCOUNTERS LTD (AE)

I had an account with USA Discounters and I saw that they are now going out of business. I received a letter from XXXX ( I am Military ) saying they were going to garnish my wages. I did not receive any paperwork or court order of having to pay them. I had trouble paying and they ended up suing me in XXXX back in XXXX 2015. I did not know that they did this and before tried working with them. Now that they are out of business how am I supposed to fight this? I am XXXX and according to XXXX I got the court order which I did not. What am I suppose to do to combat something I did not know was happening? I looked up Warrant of Debt ( that is what I guess they supposedly served me with ) and it says that they can not sue me in a state where a contract was not signed. I was in XXXX at the time and When XXXX said they sued me, I was in XXXX and the court proceedings were in XXXX. Attached is what I got from XXXX but never got any court orders.
Consumer complaint received 2016-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (CO)

I think this is a bogus debt collection agency, they are fraudulent. I think a crook bought up my debt with stolen government many years ago. I went to XXXX in XX/XX/XXXX. Some crook from this school bought that and all my debts. He or she gets into all my accounts. He is now using a phony " Sunrise Credit Services '', collection agency. He seems to either be part owner or in some type of conflict. 

He is now trying to collect in fraud {$87.00}, that I DO N'T owe XXXX cosmetics company. He 's gotten into all my accounts, and seems to be the person stalking me. He XXXX be breaking in, and hacking my computer. I am a XXXX XXXX, I sent about {$87.00} dollars worth of cosmetics back to XXXX, a feww months ago. He or she must also work at the XXXX XXXX where I mailed the box back. These boxes are picked up by XXXX weekly. He or she could work for XXXX, the XXXX XXXX ; XXXX XXXX, XXXX. CA. XXXX and several other accounts I have. He or she recently got into my Zazzle.com, account small online gift shop, taking from that. 
I do n't think Sunrise Credit Services is credible. This person is associated with many credit collection agencies. He or she is getting money on both sides of the fence. XXXX itself is also charging me about the same amount.
Consumer complaint received 2017-02-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (CA)

I am filing a complaint against Synchrony Bank ( XXXX XXXX XXXX, XXXX, FL XXXX ). Synchrony Bank is affiliated with several companies that I have or had credit with, namely JCPenny Credit Card, Amazon, Old Navy, Discount Tire, Walmart and PayPal. My complaint with them relates to account ( s ) limits authorized with them and their reduction of my credit limit without warrant. It is not the fact that the credit was reduced, but sometimes reduced below my original credit line which ultimately negatively affects my credit score. In the case with Old Navy, the account was paid in full and Synchrony failed to notify me. Around XXXX time, I attempted to make a purchase and my card was closed by Synchrony. In another case with Amazon, my credit was reduced causing a credit on my account because I had already paid the balance in full. Synchrony kept the credit on my account and did not refund me the difference. In another case with JCPenney Credit Card, the credit limit of {$210.00} was reduced to {$100.00} which negatively affected my credit. I strongly believe that the posture that Synchrony has taken with my accounts has negatively affected my credit causing me hardship and XXXX on my family.