davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (KY)

My name is XXXX XXXX XXXX I took out a loan with XXXX XXXX XX/XX/2019 The Loan was sold to XXXX XXXX. 
The Loan was sold to XXXX XXXX  The Loan as sold to CMC Funding The Loan was transferred to SLS Funding. 

It seems like there was one more in there but it has been sold so many times it is hard to keep up with. 
The day the Loan was sold from XXXX XXXX to XXXX XXXX. I made a principal payment of {$1200.00}. This was not reflected in my mortgage balance. XXXX XXXX acknowledges this and sent the payment to XXXX XXXX. XXXX XXXX  acknowledges this and sent the money XXXX XXXX XXXX XXXX XXXX  provided me the wire confirmation number for this transaction. This IMAD number is ( happy to provide and given to them ). I have sent my bank statement to SLS ( Specialized Loan Servicing ) it is in their email files. I opened a case with them and they declined to correct my balance. I asked them to reopen the case they refused. I contacted my US Representative and he said reach out to them again and I did. The sent an email saying someone form customer service would contact me but they have not. My US Representative directed me to the CFPB and that is the reason I am reaching out to you. I have all of the supporting documentation. I have never dealt with anyone with such poor customer service. They emphatically told me they would not reopen this and yet they have provided no explanation. I sent in the Wire confirmation information above and my bank statement and they told me to provide proof. Although they didn't suggest anything else for me to send in. I just want my account corrected. PLEASE HELP. THANKS!
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

In XXXX I called the bank, on the XXXX I believe and dismayed that all of my accounts were marked on hold and I asked why noone had informed me. The Office of the President wrote someone called me about my account past due. I never received this call and need a copy of the tape or a transcript of what was said. The Bank should have a copy of the other calls, each time transferred to an account specialist that would not give me accss to my cash funds in the checking account to pay their own credit card balance due for XXXX. After almost a month, the last spcialist allowed me to do so. 
The FDIC thought the CFPB should take the lead XXXX in this.
Consumer complaint received 2023-03-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My name is XXXX XXXX, and I just turned XXXX on XX/XX/2022. Today I went to check my credit, and I noticed 4 accounts that were opened under my name. I have disputed them all. Also one of them ( Capital One ) was opened before I was XXXX. I am not the owner of any of these accounts. I am just now learning what credit is, and I have not opened or applied for any of these accounts.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MA)

I would like to report Predatory Lending practices on behalf of Elan Financial Services. A previous complaint was filed in which they admitted they had told me I was not required to pay an exorbitant minimum payment for the month of XXXX, but is still charging me anyway. This is Predatory Lending practices. 

Elan Financial 's response to my complaint was " Our review found that you were provided inaccurate information regarding how your credit from XXXX was applied to your account. We have confirmed that the account is not being reported as delinquent for XX/XX/2023. '' Their response also stated my XXXX balance was {$6000.00} and that they received my {$160.00} payment ( as I was told by their Customer Service that I did not need to make the exorbitant payment of {$1100.00} minimum due because my Target credit was received on XX/XX/2023. Elan 's response then goes on to say by XXXX statement had a balance of {$4800.00} and a minimum payment of {$1000.00} ''. 

How can I have a XXXX balance of XXXX, if only {$160.00} was applied? 

Elan flat-out lied to me ( as a holder of the XXXX XXXX XXXX ) about receiving the XXXX credit of {$1100.00} on XX/XX/2023. They told me on the phone that I no longer needed to pay the {$1100.00} minimum due and that they would note this in my file. 

Elan is still saying they want the {$1100.00} by XX/XX/XXXX, even after admitting THEIR mistake ( i.e. " you were provided inaccurate information ... '' ). 

I refuse to pay 25 % of my balance due to ELAN taking XXXX weeks to credit a return back my account. Elan 's response to my complaint states they still want me to pay {$840.00} on top of the {$360.00} that I have already paid.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a issue with my credit file due to someone using my ID and SS to open up accounts and utilities in another city and state. My correct name is XXXX XXXX XXXX my only address XXXX XXXX XXXX XXXX, OH XXXX please delete any other address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never lived in NEW YORK in my life. I have several numbers that do no t belong to me on my file please delete them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX the following account are unknown unverified accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

I have a cash advance balance on a US Bank credit card as well as a purchase balance at a lower interest rate. Each month after paying at least the minimum payment the cash advance balance has been increasing month over month despite the fact that I have not taken any new cash advances. I called on Thursday XX/XX/2020 to complain about this unfair practice which effectively increases the interest rate on my overall outstanding balance every month in violation of the Fair Credit Billing Act specifically 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing 1666i1. Limits on interest rate, fee, and finance charge increases applicable to outstanding balances which states that " ( a ) In general In the case of any credit card account under an open end consumer credit plan, no creditor may increase any annual percentage rate, fee, or finance charge applicable to any outstanding balance ''. The representative explained that the increase in the interest rate on my overall outstanding balance on the credit card was happening because US Bank 's policy is to apply the cash advance interest charges to the cash advance balance and then apply the minimum payment to the lowest interest rate balance first which causes the cash advance balance to increase every month despite the fact that no new cash advances have been taken. It is my contention that US Bank 's policy is in violation of Federal law since it has the effect of increasing the overall interest rate on my outstanding credit card balance each month. After checking my statement with another credit card I have with XXXX XXXX XXXX on which I also similarly carry a purchase balance as well as a cash advance balance at a higher rate I confirmed that they do not engage in this unfair and arguably illegal practice as US Bank does. Despite explaining the issue to US Bank at length and informing them that their unfair practice was likely a violation of the Fair Credit Billing Act they steadfastly refused to change their policy to conform with Federal Law.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I was late in paying the XXXX payment and entered into a forbearance agreement because I was not sure if my stock investments would rise to a comfortable level to start paying the mortgage again. On XX/XX/2020, I tried to pay the XXXX and XXXX payments, but the servicer 's system would not allow me. It was only asking for the amount of {$850.00}. In the months prior to this XXXX forbearance agreement, my checking account was charged automatically every XXXX of each month. So, I am guessing that the system would not allow me to pay two month 's mortgage payment because its system recognizes that I am late only for one month. 
I tried to pay by ACH, but the servicer 's system also would not allow it. It was later explained to me that it was because I was in forbearance. I therefore paid the XXXX payment. I saw the EZ fee, but I assumed it was for late payment fee. It turns out that it is for paying electronically. Their fee schedule described EZ fee as being for late fees and electronic payments. I just assumed that it was for late fee because I have not come across a company charging a fee for paying electronically. 

I called to request a refund of the {$15.00} fee, but I was told it could not be done because the servicer 's system would not allow it. If I had paid by phone, it could be waived. 
Oddly, I paid the fee with the XXXX payment but the XXXX mortgage statement shows that the charge was on the XXXX payment. It also shows that it seems to have been waived or reversed. I did not receive any check for that amount, however. It would not be forthcoming, I was informed. 

On XX/XX/XXXX, I called about the difficulty in making the two months payments. I was then asked to pay the XXXX mortgage by phone without the fee. 

I also asked the representative to remove my account from the forbearance agreement and restore the automatic payment draft. These were done while I waited on the phone. 
The XX/XX/XXXX mortgage statement still shows that I am in forbearance. 

Upon receipt of the XXXX mortgage statement, I asked the company to write a letter to the credit bureaus, with copy to me, that I am no longer in forbearance agreement. I had told the representative that I am about to close on refinancing my loan and that I need a letter from them stating that I am not in forbearance. I explained that if the refinancing bank sees that I am in forbearance, it might withdraw its commitment. The servicer refuses to issue a letter.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

At the end of XXXX around the XXXX XXXX. I talk with the credit bureau about my credit is out of date. My credit card reporting payments has been incorrect information. Hard cord fell off my credit and made my credit go down. Incorrect late payment history being put on my credit is making my score go down. Its never been fixed. My credit card payments is still sitting from 3-4 months ago. I spoke with my credit card companies and they all say there is no late payments on my credit cards. I have statements that says there are no late payments from the last three months now. I just got a report from XXXX saying there was a late payment so my score drop, that is incorrect information. My score would be a XXXX then itll drop to a XXXX then for them to fix something it still wont go back up to what it wouldve supposed to have been when it was a XXXX. And there was a error on the report that made my scores drop.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

i have been trying to get help with deleting these unauthorized inquiries from my credit report that are damaging my credit report.I have sent XXXX and Equifax letters on XX/XX/2020 regarding these inaccurate inquiries they are reporting against me and i have receive any documents to prove otherwise. Please assist me in this matter cause its causing me great stress and disappointment in getting things
Consumer complaint received 2021-01-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (OH)

Received an email from my credit union on XX/XX/XXXX XXXX Schools First of California- that my account email had been changed. Went to check my account and someone had been using XXXX to connect to my Savings account, evident through microdeposits and withdrawals. I tried to freeze the accounts with my credit union, but they said they could change all of my accounts except the one that had been compromised, because it held my " stake '' in the credit union. They assured me they would cover any losses, and put a stop payment on XXXX, and told me to keep an eye on it. 

A few days later there were new micro deposits and withdrawals from XXXX. I called the credit union again, and after several hours on hold they told me someone would call me back within five days. I found this insufficient action to protect my life savings, so I asked them to close my accounts. They wired the money to a new account I had opened that day and told me that confirmation of the closed accounts would follow in the mail. I'm not sure if they looked into who accessed my account, but the email address they used was XXXX. They also email bombed my email address the same day they changed my email address in my bank account. 

I'm hoping my identity information has not been further compromised.
Consumer complaint received 2020-05-29
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. (TX)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MI)

I have reason to believe the mortgage company we are in partnership with over our modular home, Ditech ( a XXXX XXXX ) whose headquarters are in XXXX XXXX, SD XXXX ( XXXX ), is taking advantage of the loan servicing agreement by either placing hidden fees in the cost of the monthly payment or misappropriating the monthly payment in various ways. 

I purchased the XXXX modular home in XXXX of XXXX with a high interest rate of 13.75 %, but a loan agreement for 20 years, which will signify the end of that loan agreement this year in XXXX. 

However, I still owe {$13000.00} on the principal balance and a deferred balance of {$1800.00} with several calls to Ditech 's Customer Service department several times in the last few months beginning Monday, XX/XX/XXXX ( XXXX ) and ending today, Thursday, XX/XX/XXXX ( XXXX ). 

And since that time I have had nothing but issues with changed account numbers, a separate account number specifically geared for home owner 's insurance and requests for ALL the paperwork regarding our contract agreement and recorded call-in notes. Ditech 's Customer Service department has assured me they were taking care of my business relationship with them, but they've failed me in more ways than I care to explain at this time and now, I want answers as to why I still must pay {$13000.00} on a modular home for another 3 to 4 more years on top of deferred payments amount of XXXX because something they've done is the exact opposite of ethical and fair. 

The account numbers for home loan balance is : XXXX OR XXXX. The account number for home owner 's insurance is : XXXX.
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MI)

I sold my home and closed on XX/XX/XXXX. The escrow amount sent to me in check form was XXXX. This check was deposited and came back as insufficient funds. 
Ditech is the Mortgage company who I had my mortgage loan through. 
When I called they said that they would issue a new check. 

I have called several times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX and they always tell me an excuse. Either they duplicated it and it was cancelled, that it may have been lost in the mail and we will issue another one, the first reason was that too many checks were being processed and that it was mailed late and now no reason, we will call you back. So I wait. My wife has also spoke with two different managers to try and resolve the problem and they keep giving us excuses. 

When I call they tell me they will send a new check and one never arrives. I have asked for it to be overnighted and still no check. I have also asked on XX/XX/XXXX to wire funds into my checking account and they told me they could not do that. 
I am getting no where quick and now we are heading into XXXX, over 3 months of trying to get my escrow balance from them and I am getting the run around. They are rude and make excuses every time I call.
Consumer complaint received 2021-10-06
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: JPMORGAN CHASE & CO. (SC)

XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$6900.00} {$6500.00} JPMCB CARD Account Info Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$11000.00} {$10000.00} 2. I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (FL)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with my account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was send out on this day. After reviewing my credit report again on XX/XX/XXXX There have been no updates and account is still reflecting on the report. I do not believe the account continues to negatively affect me. Please strike and remove this account from 3 Credit Bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (VA)

My mortgage is serviced by BSI Financial Services. They are required to provide a Form 1098 reporting my mortgage interest every year. XXXX XXXX on the Form 1098 is where the " mortgage acquisition date '' is supposed to be disclosed, but BSI never discloses that they acquired the mortgage on my Form 1098, and every single year I have to call them and email them and attempt to get it resolved. BSI should provide accurate Form 1098s as required by the IRS.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I attempted to update my report bc I disputed errors, which Equifax failed to legally verify, and my credit reporting file no longer exists. I signed up for their monitoring service. After my credit report failed to upload, I went to another reporting agency to obtain my Equifax report-NO REPORT. I spent over an hour on the phone with them and they could not find a report. So, they are charging me a fee without my ability to obtain an updated report. I also tried a third site. Suprise! NO REPORT!! I do not have time to spend on the phone resolving this. This is absolutely unbelievable!
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

We currently have PMI ( private mortgage insurance ) on our current mortgage. We went through our mortgage provider ( Newrez ) to apply for PMI to be dropped in XXXX of XXXX. Newrez sent out an appraiser to asses our property on XX/XX/XXXX and they appraised our property at the same price that we purchased the house for in XXXX. Because this, they denied us of being able to remove our PMI payment. After many renovations done to the house over the course of 2 years, we find it hard to believe that our house appraised for the same value that we bought for given the state of the real-estate economy.