davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (CA)

I started a refinance process with Flagstar in XX/XX/2020. I was told this process would take a couple of months. It has now been 6 months and the refinance has not closed. While I am frustrated by the delay, my complaint is related to what appears to be an attempt by Flagstar to change the terms of the refinance without my knowledge. 

My closing was scheduled for XX/XX/XXXX. Several days prior, I received a closing disclosure in the mail. The closing disclosure stated that my loan estimate closing cost was {$12000.00} and that my final closing costs would be {$12000.00}. My original estimate was nowhere near this amount - Flagstar included property taxes, which were not part of the estimate, in the final disclosure without telling me in advance. Furthermore, they claimed that my final disclosure matched the loan estimate, which is false. I am not certain whether this was intentional or not, however it is clearly incorrect and misleading. At the close, a notary was supposed to show up at my residence as well as at parent 's residence at a designated time to sign the documents. The notary was a no-show at both locations - nobody informed me in advance about cancelling the closing, and nobody has explained why this closing was cancelled. 

While the mortgage I am attempting to refinance is in my name, I am not the sole owner of the property as my father owns a portion of it through a trust. I was clear on the ownership structure at the beginning of the refinance process and that I did not want to change the ownership structure in any way. I found out through the title company that Flagstar is attempting to take the deed out of the trust to proceed with the refinance. This attempt was done without my knowledge. I have no idea what the implications might be of taking the deed out of the trust, however it appears irresponsible to me for my loan officer to be attempting to change how the deed is held without my knowledge.

Finally, when I log onto the Flagstar website, it states that my loan has closed, which I don't believe is the case as I haven't signed anything. If the website is correct, it is not clear to me whether I should stop paying the original mortgage and start paying the refinance mortgage. It is also not clear what terms were closed.

I am in regular contact with Flagstar about this refinance so they are well aware of my concerns but they have not adequately addressed them.
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am having trouble with XXXX XXXX and its reporting of fair, accurate and complete information per guildlines of FACTA/FCRRA to the credit reporting agencies XXXX, XXXX and Experian, regarding the six ( 6 ) student loan accounts. I have submitted multiple disputes with the said credit reporting agencies, only for the information in question to return back verified, from the agencies. In the attachments you can see that they are reporting multiple late payments in excess 120 days in addition to comments designed to further hurt my credit score. Furthermore, XXXX XXXX has also taken steps designed to further damage my credit by submitting that there is a Freeze, on my credit file. It is in my strongest opinion that I believe XXXX XXXX to be in multiple violations of FACTA/FCRA. I am submitting proof that my account at that time, beginning XXXX of 2016, was in forbearance/deferment which would show that the negative reporting in fact are incorrect. Once forbearance/deferment is granted, it is good for twelve ( 12 ) months. At the end of the twelve ( 12 ) month period if one chooses to remain in the program, an addition application is to be submitted. In addition, as evident in my attached credit reports, XXXX XXXX is failing in its reporting of complete information, as there is a number of months of unavailable account information, being reported. The failure of the company to report fair, accurate and complete information per the FCRA has severely impacted my ability to build relationships and obtain credit from other lenders/financial institutions. I have tried on mulitple occasions to have the XXXX, XXXX and Experian remedy these errors
Consumer complaint received 2020-07-24
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. (GA)

Experian did not investigate an account on my credit profile for XXXX   XXXX this is not my account and I have never had an account with them.
Consumer complaint received 2022-06-10
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: DISCOVER BANK (WA)

1. Discover never approve my credit line increase, so I have to make payment on a daily basis so that I can have enough credit line. 2. Making a payment on a daily basis does trigger an eight ( 8 ) days hold, but can simply be resolved by calling my bank for verification. 3. Nonetheless, Discover had placed a XXXX hold on the account just about two ( 2 ) weeks now, and heard no news from them.
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Recovery Services, Inc. (RI)

I requested from this company the original debtor and all the pertinent information. I wanted the last payment date from the original debtor and any other information they have sent to me in mail. I never received anything at all from them.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUN LOAN COMPANY INC. (NV)

A personal loan application was submitted online with a fake email and my personal information. The loan request was for {$3900.00}. It was approved for {$2500.00} with 18 monthly payments of {$230.00}. When Sun Loan called trying to collect, I did not provide them the information as I thought it was a scam. I did call Sun Loan after looking them up regarding a loan that was approved online and without my signature. They would not provide me any other details on the loan other than it was approved and dispersed online. 

We discovered on XX/XX/2023, that my credit was compromised. We were leasing a car at XXXX XXXX in XXXX, NV when we were informed by the Finance Manager about the delinquency. I filled out paperwork to file with the XXXX Police Department but was told to file with the FBI. Additionally, we are filing a complaint with the Nevada Attorney General. 

Loan Company Info : Sun Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I've been using PayPal for quite some time. I've never been involved in any dubious business dealings. My account has been verified in accordance with the terms and conditions stated. However, on XXXX XXXX XXXX XXXX XXXX XXXX., Paypal sent me an email informing me that my account has been permanently restricted for no apparent reason. This is completely unjust.
Consumer complaint received 2021-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

I opened an Amazon Store Card with Synchrony Bank in XX/XX/2021, was granted a {$600.00} credit limit, and used it to purchase an XXXX XXXX XXXX. On XX/XX/2021 I made a payment of {$500.00}, leaving a balance on the card of {$94.00}, which should have made about {$500.00} available to spend. As of today, XX/XX/2021, the payment has posted to the account and cleared my bank ( as of XX/XX/XXXX ), but there is still only {$5.00} available credit. No other charges/purchases have been allowed to be made and there are no pending transactions. I have made about {$600.00} in purchases from XXXX XXXXn the past week ( XXXX gifts ) using other payment methods, but this lack of access to what should be available credit on the store card has caused me to not be able to take advantage of the 5 % cash back on such purchases. There was no notification made to me when I made this payment that it would not result in that amount of credit being available, and there has been no explanation for it visible on the online account information, nor has there been any notification of a change in the status of the account.
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

To Federal Trade Commission We live in the state of Florida which was hit by Hurricane Irma last XX/XX/XXXX. XXXX XXXX owns our mortgage, and XXXX XXXX XXXX, XXXX is debt collector in charge of processing payments. Due to the impact of the Hurricane Irma, XXXX XXXX   gave us a 6 months mortgage relief option to with a due date as of XX/XX/XXXX. This mortgage forbearance agreement provided customers with the option of making partial payments, and we the debtors were able to make partial payments from XX/XX/XXXX to XX/XX/XXXX. We made {$480.00} partial payments every month, which equals to {$2800.00}. Our mortgage payments are up to date but Ditech have the wrong amount on their website. 

Breakdown of Payments made to Ditech Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Payments made in XX/XX/XXXX Electronic Payment XX/XX/XXXX {$3000.00} Electronic Payment XX/XX/XXXX {$1200.00} Electronic Payment XX/XX/XXXX {$1500.00} Total amount paid to Ditech by XX/XX/XXXX {$8600.00} Please see below all payments made to Ditech Financial LCC Still today Ditech Financial has been unable to bring our mortgage account up to date. We have used all forms of communication with Ditech, phone calls, and electronic media, and Ditech has not corrected their accounting errors in their computer system, we have requested in writing that our account be reviewed and our payments correctly be applied to the amount due. If you have any questions, feel free to contact us at XXXX or XXXX. 

Thanks, XXXX XXXX
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XXXX i sent in a letter certified to all three credit bureau certified mail tracking # for each letter are ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) they have violated my rights under 15 U.S.C 1681 section 604 A section 2 the law clearly state a consumer reporting agency can not furnish a account with my written instructions I havent given these accounts written permission to furish these Account on my credit report as well 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I had an account with XXXX XXXX. The account was closed and has a XXXX balance. Its reported on my chexsystems as closed paid in full. I requested that they removed the negative entry but they did not. the FCRA mandates that consumer reporting agencies like ChexSystems maintain only complete and accurate information in consumer reports
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Equifax. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Consumer complaint received 2020-07-24
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: EQUIFAX, INC. (NJ)

Upon checking my Equifax credit report, a private student loan through XXXX XXXX XXXX was taken out on my behalf back in XXXX of XXXX. This account has been paid and closed over 5 years ago yet it is still showing as a derogatory account while XXXX shows it as current and due to be removed XX/XX/XXXX. Ive tried disputing this account with Equifax on multiple occasions both electronically and in writing due to inaccurate reporting and statue of limitations, and nothing has been updated. This account should be removed IMMEDIATELY.
Consumer complaint received 2018-04-10
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. (WI)

In XX/XX/XXXX I created a dispute through XXXX  and Transunion in regards to validating a Bankruptcy showing as a public record. They claimed that it was valid. 
Being that we had not had a Bankruptcy in the XXXX XXXX Court System, we sent the courts a letter requesting to validate the account using the address provided on my XXXX  report. The letter came back as a " return to sender '' -invalid address in XX/XX/XXXX. 

We would like this public record removed from my XXXX and Transunion report due to the error and lack of validity and errors when XXXXand Transunion investigated it.
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I filed the attached complain regarding my card ending in XXXX. I received the attached letter from Capital One stating that as of XX/XX/2019 the account ending in XXXX shows the balance of {$1700.00}. The payment that was received on XXXX XXXX wasn't {$1400.00} but as you can see my bank statement attached is {$130000.00} on page XXXX {$320.00} on page XXXX and {$120.00} on page XXXX as well. So the total that I have paid so far is {$1700.00} which is on overpayment of XXXX. Please adjust your records and remove this from the credit bureaus as well. This has been reporting wrong for the past XXXX years in my account. If this isn't fixed soon it will leave me no choice but to file a lawsuit against Capital One.
Consumer complaint received 2021-12-22
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: Experian Information Solutions Inc. (NY)

I sent Experian a letter asking them what method of verification they used prior to reporting the Bankruptcy on my credit report. Experian 's result is " The compnay that reported the information has certified to Experian that the information is accurate. '' Who is the company. I have asked Experian several times to report the name of the company who is certifying and verifying the bankruptcy and they refuse to answer me. I am requesting that Experian either disclose the company that provided the information or remove the bankruptcy from my credit report.
Consumer complaint received 2022-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP (NJ)

This debt was paid when wages were garnished beach in 2019. I received a letter from the court stating it was paid in full. They have now come back twice trying to garnish again over the same debt. 
They are saying {$1500.00} are owed that was all paid already. I called many times and I have been put on hold. This is ruining my credit and my health. I need this to be settled.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

N accordance with the Fair Credit Reporting act XXXX  Account XXXX ACCOUNT NUMBER ENDING IN # XXXX and # 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions!
Consumer complaint received 2020-12-09
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020, I sent the bureaus a letter asking them to look into some accounts on my reports that were not accurate, that were outdated, or that I did not believe belonged to me. Since then, I have sent follow-up letters every month to no avail. The bureaus have not responded to my requests for investigation and validation of debts, nor have they removed outdated or incorrect information. Follow-up letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. On XX/XX/XXXX I notified the bureaus of my intent to file a complaint with you, the CFPB. With all of these requests, I have yet to hear from either the bureaus, or any account in question to provide validation or ANY evidence that my disputes are being addressed
Consumer complaint received 2021-12-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (IL)

On XX/XX/2021 my spouse and I attempted to refinance our home to pay down debt. I solicited Loan Depot. XXXX XXXX was the " loan originator '' I spoke with that got the process started. I explained to him that we had a very bad experience with a loan servicing company named " XXXX XXXX '' and that we did not with to do any type of business with them. XXXX XXXX promised me that Loan Depot would not sell our home loan, that Loan Depot would be our permanent servicing company going forward. In a three week period, there were three loan estimates that contained multiple errors. XXXX XXXX flat stopped returning my phone calls and failed to respond via email. Additionally, after I submitted proof that I am property tax exempt Loan Depot started coming up with excuses not to move forward ; they wanted thousands for an ESCROW account that included property taxes. After I submitted proof of tax exemption, Loan Depot then said they could not prove I paid my mortgage payments during the last year. Loan Depot charged me up front for a credit report that clearly depicts my loan payments were made. I also had to pay up front for a VA appraisal. When I finally fired Loan Depot, it took me several emails to get my appraisal from them. Also, I did attempt to change offices with Loan Depot but they refused to allow that ; called me " demanding ''.
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On Wednesday XX/XX/2022 I received notification of a Venmo payment from my XXXX XXXX of an unauthorized transaction in the amount of {$570.00} to an unknown individual by the name of " XXXX XXXX ''. 

I immediately contacted Venmo to report this issue and opened up a dispute case XXXX XXXX A temporary credit of {$580.00} was issued to my account, and then on XX/XX/2022 I received an email that stated '' Your Venmo dispute case has been denied ''. It stated the reason as " This decision was made because this transaction was not unauthorized. ". 

The dispute was initiated due to the transaction not being authorized, therefore the reasoning of the case being denied is not consistent with the the original dispute.
Consumer complaint received 2021-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

I received a bank statement XX/XX/XXXX ( my prior name in XXXX and earlier ) for an account I did not open. I have never used TD Bank either. When checking XXXX, there was a notification that the account was opened on XX/XX/XXXX. I did not open this account. 

I tried to reach TD Bank but after waiting over an hour there was never any response. The closest branch is over an hour away to visit in person. 

This account was opened fraudulently and TD Bank reps are not reachable.