davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CT)

I paid all my payments on time to Flagstar Bank while I was in the Federal Emergency Home Loan Program and on the FHA HAMP Loan modification program and Flagstar Bank did not apply my money to the account level in a timely manner. Instead they put my money in a suspense account and applied it to the account level whenever they felt like it. Now I have been trying to obtain a release on the FEHLP contingent lien since XX/XX/XXXX and have had a denial thus far and not even a reduction of 20 % per year for four of the five years which are not in dispute. They claim that I was delinquent in XX/XX/XXXX ; however, please see attached documents because that is not true. Also I was able to remain current on the FEHLP and still enter the FHA HAMP program under the " imminent default '' option to get into the FHA HAMP. In short, I did not have to be delinquent to get into the FHA HAMP. Flagstar had treated me as a delinquent the entire time I was being serviced by them when in fact I was current. They did a " lockout '' where they switched the locks on my front door. They have been coming into my home and on occasions small items were missing or damaged. I think they worked with other creditors of mine to help them collect their money from me in violation of the Fair Credit Reporting Act. They have reported me to the three credit bureau reports as delinquent even to this day for periods of time when I am in fact current. Please see attached letter from the former President of Flagstar Bank. I have contacted numerous local,  state, and federal agencies to help with no success. I am looking for the release of the contingent lien and for a XX/XX/XXXX 1099 form for the forgiveness of debt and for my credit bureau reports to be corrected to reflect current and for interest on my money while it was in the suspense account, and for reimbursement of my locks. I should get more money for intentional infliction of emotional distress ; however, I realize that is very unlikely.
Consumer complaint received 2019-04-13
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: Experian Information Solutions Inc. (UT)

I have submitted several disputes with Experian and they do not take off this fraudulent account. They say the company has provided information for them to not block it. I filed a police report back in XX/XX/XXXX and it was removed and then was put back on XX/XX/XXXX and I submitted a dispute in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They refuse to take this off I have filed a complaint with the company XXXX  as well.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (OH)

I applied for a credit account through XXXX XXXX Bank on XX/XX/19. They received a credit report from a company called Sagestream , LLC stating that my credit score was XXXX which was communicated to me in a letter that I received XX/XX/19. This is grossly inaccurate as a quick check of XXXX shows XXXX, XXXX shows XXXX, and XXXX shows XXXX. XXXX  was also at XXXX before the hard inquiry that resulted from applying for this credit line. A quick search on XXXX XXXX shows that I am absolutely not the first to have this exact issue with Sagestream , LLC and users who have tried to contact this company were prompted to send over sensitive information such as social security numbers which is against all recommendations from the financial advisors I have visited. This company should not be allowed to continuously report wrong scores to credit companies as it has resulted in I and many others having been denied after taking a hit from the hard inquiry.
Consumer complaint received 2019-04-13
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have asked SPS to stop calling me in writing via USPS certified mail on XX/XX/2019.SPS  called me after the received my request to stop calling. This is a violation of the California Rosenthal Act which entitles me to {$1000.00} plus my attorney fees. I have attached proof that I revoked consent, proof they received it onXX/XX/2019, and proof they called post-revocation onXX/XX/2019
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (MO)

Hello, I bank with chime for my checking and credit. I first filed a dispute for XXXX on Thursday XX/XX/XXXX. This purchase was for a deposit down on a my first apartment after speaking with the " merchant '' about sending me my a check or to XXXX me my refund. They said they couldn't XXXX me. They sent me a check that I couldn't cash! But I tried XXXXXXXX XXXX but turns out the check was unpaid for. I contacted the " merchant '' and they said to work with my bank and that was that. The dispute was closed wensday XX/XX/XXXX. After I got that emailed I kept calling them about rebuttals. I filed over 10 rebuttals with more than enough information about the situation.
Consumer complaint received 2019-04-13
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: CORELOGIC INC (CA)

Someone had been using my information without my permission and I am disputing those fraudulent hard inquiries below 1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.Credco XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-13
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: DISCOVER BANK (CA)

I had noticed that someone had been using my informatin without my approval. 
Here are the list 1.Discover Creditcard XX/XX/2018 2.XXXX Card XX/XX/2018 3.XXXX XXXX XX/XX/2018 4.XXXX XXXX XX/XX/2018
Consumer complaint received 2019-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (IL)

I discovered on XX/XX/XXXX that I had an outstanding debt in the amount of {$260.00} after it was reported to the credit unions. This debt was reported over two years after it had been sent to collections in XX/XX/XXXX. In that time, I received no written notice about the debt. I also received no phone calls about it. 

When I called the company to learn more about the debt, they stated that they would make a note that I refused to pay the bill because I insisted on seeing written proof of the debt before I paid for it. They stated on XX/XX/XXXX that they would send me written proof, which I have not received. 

I called to discuss the issue with a financial advisor, who advised that I pay the bill while not admitting that the debt was mine. He also advised me to ask for a letter of deletion to provide to the credit companies so the debt could be removed from my credit reports. I did as he advised when I called the collection company. They refused to provide me with a letter of deletion, stating that they would instead send me a letter stating that the debt was paid in full.
Consumer complaint received 2019-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (CA)

Daily calls for more than a week. Robocalls. No voicemail. Trying to collect a debt for someone other than myself. I have called to ask to be removed from their list, calls continue. 

Company name is Transworld Systems Inc.
Consumer complaint received 2019-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

I have accidentally opened the US pay pal account. Thereafter, in order to solve this issue, have provided a more than sufficient proof of fact I am an XXXX citizen, ( therefore accidentally opened the US pay pal account ). here are some of my conversations with pay pal : XXXX XX/XX/19 at XXXX XXXX I had made more than 10 calls,  submitted documents in order to fix this, ( see the record of my talks with pay-pal ). I sent the local bank Account confirmation in order for you to resolve these ones and for all. send me my money to my right XXXX pay-pay account! that is connected to : XXXX XXXX, I never had such a terrible customer experience XXXX XX/XX/19 at XXXX XXXX PayPal Customer Support : I already told you it doesn't let me add a mobile number to my PayPal account, fix my problem. or ask somebody that can! 

XXXX XX/XX/19 at XXXX XXXX PayPal Customer Support : I am an XXXX citizen my phone number is XXXX. 
I have provided a more than sufficient proof of fact I am an XXXX citizen, therefore dissidently opened the US pay pal account, ( see uploaded Documents ). The full details of my case are in the record of your customer service, It's too much to detail here. can you please send me money to my correct pay pal account witch connected to my mail : XXXX, an PayPal.il account. resolve this issue once and for all and close my us account! 

XXXX XX/XX/19 at XXXX XXXX I have provided a more than sufficient proof of fact I am an XXXX citizen, therefore accidentally opened the US pay pal account, ( see uploaded Documents ). The full details of my case are in the record of your customer service, It's too much to detail here. can you please send me money to my correct pay pal account witch connected to my mail : XXXX, an PayPal.il account. or to my debit card that is connected to this account, resolve this issue once and for all! I tried to send it to my debit card, not working. fix this! its taking too much time and effort! 

The full details of my case are in the record of US pay pal customer service ), It's too much to detail here. I had made more than a 10 calls, submitted documents in order to fix this, ( see the record of my talks with pay-pal ). 
I sent the local bank Account confirmation in order for pay pal to resolve it ones and for all.
Consumer complaint received 2018-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (VA)

I have a problem with American Credit Acceptance i have gotten a extension due to loss of job and when my regular payments started back up i Called them after the second payment to see why my payment was just gone towards entrance and not the principle explain to me after 4 months of getting caught up with interest that my payments will start going towards The principle. And here it is XXXX and I'm still sitting at the amount that i owe in XXXX of this year now. I haven't missed a single payment and I'm just lose i called the company to ask what's gone on and they can't even tell me what's gone on so i need help to be done with this company.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX from XXXX XXXX and account # XXXX from XXXX XXXX XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.
Consumer complaint received 2019-04-13
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: BMW Financial Services NA, LLC (CA)

Someone had been using my information without my permission and I am disputing those fraudulent hard inquiries below 1.XXXX XXXX BMW XXXX 2.BMW Financial Services XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

On XX/XX/2019, I received notice of a collection filed against me by National Credit Systems for unpaid rent at XXXX XXXX apartments. I immediately started a dispute with XXXX the same day. 

On XX/XX/XXXX, I contacted National Credit Systems and spoke to XXXX XXXX the agent on the account. I was informed that a dispute packet would be sent via mail to my address. While waiting for the packet, I filed both a FTC report and a police report in preparation for completing the packet. 

After nearly two weeks, no packet arrived, so I went ahead and sent in a copy of my FTC report, police report, and a copy of my drivers license to both XXXX and National Credit Systems with a letter informing both parties that I had never lived outside of Texas and wished to dispute the collection. 

On XX/XX/XXXX, I received notice from XXXX that the dispute was resolved and was informed that National Credit Systems denied my dispute and claimed the information was accurate. 

On XX/XX/XXXX, I called XXXX XXXX at National Credit Systems again to attempt to figure out why the dispute was denied and was told that they would not process my documents because I did not complete the packet. When I told her the packet had not arrived, she told me that I could find it online at identitytheft.gov. When I could not locate the packet on the website, I called the FTC help desk and was told that the packet did not exist, that the only thing I could do on the website was file a FTC report, and that I should call National Credit Systems back and ask to speak to a supervisor. 

When I called National Credit Systems back to talk to XXXX XXXX again, I was told that she had already made special accommodations for me by giving me the website information, that I just couldnt find the packet ( despite my telling her that the FTC help desk said it didnt exist ), and was finally forwarded to her supervisor where I left my name and number after my call was not picked up. 

As of today, XX/XX/XXXX, my call still has not been returned and this collection is still on my credit report despite all this.
Consumer complaint received 2019-04-13
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. (MN)

I need to File a complain on Transunion for Violation of the FCRA I HAVE ASKED THEM MORE THAN ONCE TO INVESTIGATE INCORRECT ITEM ON MY CREDIT REPORT BUT THEY ARE NOT FOLLOWING THE FCRA RULES XXXX XXXX ACCOUNT 'S ARE REPORTING WRONG ACCOUNT NUMBER I WANT THESE 3 ITEMS REMOVE FROM MY CREDIT REPORT ASAP FCRA STATES THAT ALL INFO ON A CONSUMER REPORT NEEDS TO BE REPORT 100 % ACCURATE AND THESE ACCOUNTS ARE NOT I WANT THEM REMOVED TODAY!
Consumer complaint received 2019-01-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I saw this post for the concert tickets and the guy offered me to sell them for XXXX dollars for a pair and we agreed, i paid him through paypal and when he received the payment he blocked me on XXXX account and didnt send me the tickets in my email. I have contacted the XXXX XXXX and no success, i have called the paypal company and still no success, this took place on XX/XX/2018
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (TX)

I just received a negative report on my credit report about my past leased vehicle stating I owed a tax amount on vehicle but there was no notification sent to me nor was I notified about these taxes. Now Inhave a derogatory mark in my credit report.
Consumer complaint received 2019-04-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (MI)

Dear CFPB professionals, I recently financed my home and at closing I was told I could make early half payments ( twice monthly ) and 15 days of interest would be saved on the early half payment. 
A few months later, a company named Stearns ( XXXX. XXXX XXXX XXXX XXXX, Va XXXX ) purchased my loan. 
On or about XX/XX/XXXX, Stearns representative " XXXX '' told me that early payments get put into a " suspense bucket '' and held until the rest of the payment is received. 
When I explained that they were altering the agreement set forth at closing to the disadvantage of their customers, she told me that was their policy and gave me the email address to their customer support. 
I emailed Stearns customer support on XXXX. XXXX with a carbon copy sent to my mortgage broker ( a witness to the agreement at closing ) stating that their policy does not give them the right to alter the terms of loans they purchase. 
They replied with a canned pass the buck email and assigned my case a ticket number XXXX, I have not heard back from them since. 
I sent follow up emails and got the same canned pass the buck email which appears to be generated by an email auto-responder because it doesn't attempt to answer even simple questions like " is my case being reviewed? '' " if not, how long will I have to wait '', etc. 
On XXXX. XXXX, I also sent them a copy the " Closing Disclosure '' document ( attached ) that I received at closing explaining my Loan Terms and clearly stating that this loan has no prepayment penalty features, I received the same canned pass the buck email back. 
Holding my partial early payment for 15 days while still collecting the interest on that already received payment, is a significant penalty that will add years to the loans payoff date. 
I also asked them in an email to send me the portion of the loan agreement, stating that they could hold an early partial payment for 15 days and continue to charge interest on that already paid amount, I received the same canned pass the buck email back again. 
I followed up with a call on XXXX. XXXX and their representative gave me the same " suspense bucket '' answer over the phone. 
She couldn't even update me on my case when I offered her my ticket number. 
I also have a chain of emails I can attach, if this would be helpful? 
Please investigate this and make them fix it, their " policy '' appears to be to alter loan agreements that they purchase to the customer 's disadvantage. 
Nice way to treat the people who bailed out their industry during the 2008-2009 financial crisis. 
Sincrerly, XXXX XXXX
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I applied for pre-approval for a mortgage and was informed that they were unable to pre approve me because there is a freeze on my XXXX credit report. I also was trying to get a credit increase for one of my credit cards and they told me I needed to call the credit bureau to release a credit freeze. When I asked the credit company what bureau they used they informed me that it is XXXX.

I called XXXX and they told me there is no credit freeze on my credit report. I requested to get a copy of my credit report. After answering extensive questions for 15 minutes, to no avail I was told that unfortunately you failed the security questions and we are unable to release your credit report to you, please send us a copy of your valid ID and we sill send it to you. I don't understand that if I give you what I know and who I am. Tell you the accounts I know I have.I have no car loan, I have no mortgage, I have 1 credit card in good standing, 4 bank accounts, no student loans, no installment accounts, 5 inquiries one is Rentgrow, no public records Why am I denied my report?

I also called Transunion and requested my report via automated system without a problem and I have not received my report. 

I feel that there is definitely something going wrong with with my credit profile and I am not able to access any records.
Consumer complaint received 2019-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

WHY DID YOU CLOSE COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT CREDIT CARD OR PREPAID CARD NOTHING HAS BEEN RESOLVED. CHASE BANK STOLE MONEY FROM ME. THE VENDOR OVERCHARGED ME. 
I HAVE HAD TO HIRE A LAWYER AND I AM STRUGGLING TO SURVIVE ON SOCIAL SECURITY. 
I HAD ORIGINALLY TRIED TO SUBMIT MY COMPLAINT TO THE FEDERAL BANK AND TRADE COMMISSION AS AFTER BEING OVERCHARGED  BY THE VENDOR, CHASE STOLE {$6500.00} FROM ME THAT WAS A CREDIT BALANCE ON MY ACCOUNT. IS CFPB JUST THERE TO COVER UP FOR AND PROTECT BIG BANKS WHO STEAL FROM THEIR CUSTOMERS?
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I rented a car through XXXX in Hawaii from XX/XX/XXXX to XX/XX/2019. On XX/XX/XXXX, the vehicle I rented was involved in a minor accident. When booking the car, I read the Bank of America website to determine if I needed to purchase additional insurance from XXXX. The Bank of America website lead me to believe that I was covered. When I attempted to file a claim with Bank of America, I was told that my claim was rejected because I had rented the car for 17 days. I was told that insurance through Bank of America was limited to rental agreements of no more than 15 days. Nothing on the Bank of America website mentioned a limit of duration for the free insurance provided by Bank of America. On the contrary, the Bank of America website encouraged me to decline additional coverage from the rental agency. Please see the attached page from Bank of America 's website.
Consumer complaint received 2019-04-13
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. (MN)

I need to File a complaint On Transunion I have asked them 3 time do a Physical verification of erroneous unverified account on my credit file and they fail to do so. Now I won't a deletion of the accounts listed below I DO NOT WANT A UPDATE OR ANY CHANGES COMPLETE DELETION TO ANYTHING IT'S BEEN OVER 30 DAYS AND THEY FAILED TO DO THEIR JOB XXXX XXXX XXXX XXXX Not my account Number I won't these 2 accounts removed ASAP ALSO SEND ME PHYSICAL DOCUMENTS SUCH AS A CREDIT APP WITH MY SIGNTURE ATTACHED. 
IF THESE ACCOUNTS ARE NOT REMOVED I WILL FILE A LAWSUIT!