davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services (MN)

We are applying for a mortgage and the lender notified us that my student loans are being reported by both Ed financial and XXXX. I was transitioned from Ed financial to XXXX in XXXX. Since that time, I have paid off at least one of my accounts through XXXX. The XXXX information is correct on my credit report, however Ed financial still lists all of my loans ( including the ones I paid off through ed financial ), so the loans that are still active through XXXX are duplicated on my credit report. I should have no loans listed on my credit report through Ed financial. Accurate reporting is required under FCRA and per word of mouth with my colleagues, this is not an uncommon situation with Ed financial specifically. 

I have attempted to contact Ed financial on XX/XX/XXXX, however since I no longer have loans or an account through their services, they state they are unable to help me as it is not a reporting issue on their end.
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

My mortgage company SunTrust, unilateral and unconsulted changed my interest rate of 2.75 % fix on my mortgage loan agreed, approved and signed under a Permanent Loan Modification from XXXX XXXX, XXXX, on the new following rates : - Since XXXX XXXX interest rate was changed from 2.75 % to 3.00 % - Since XXXX XXXX interest rate was changed from 3.00 % to 3.50 % and interest only mortgage was converted to Principal plus Interest - A letter received from SunTrust mortgage states that they will continue increasing my interest rate basis in a Margin plus an Index XXXX adjustable rate. ( totally against our last year agreement ). 
I consider all SunTrust 's actions took on regards of my interest rate unfair and illegal, and base my statement on our mutually reached, signed and obligated to enforce agreement where clearly indicate of their paragraph XXXX ( c ) : " Under this Agreement, the Borrower 's interest rate for the remaining term of this loan will be 2.750 % '' ( attached you will find copy of my Permanent Loan Mod Agreement reached on XXXX XXXX In addition, I 'm attaching a copy of the recent mortgage statements received since XXXX that clearly shows SunTrust 's mistake incurred that made me overpaid my mortgage. By this mean, I formally requested a review of all previous mortgage interest calculated since XXXX XXXX, and an immediate refund of all extra payments charge as result of this interest increase since XXXX XXXX until XXXX XXXX. Also, I requested new mortgage statements for the month of XXXX XXXX and after using the right interest rate approved by 2.750 % according to our Permanent Loan Modification reached in XXXX XXXX. 
I believe SunTrust should immediately respond and proceed to correct all their mistakes created against me, meanwhile, they should refrain to collect any mortgage amount different than the XXXX stipulated in our agreement.
Consumer complaint received 2018-06-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (VA)

In XXXX I had to move from XXXX XXXX XXXX in XXXX XXXX  because the apartment community decided to dig up the parking lot to begin building another apartment building slated for opening in XX/XX/XXXX. Because of this inconvenience I had to move out because I am a single woman and can not risk my safety by parking in a lot 5 or more blocks from the apartment community. Instead of them allowing the move with no fees owed due to this huge inconvenience, there has been a debt owed of {$3700.00}. I disputed this debt in XX/XX/XXXX with the XXXX because it is unfair and unreasonable my rent was $ XXXX monthly. I am unable to move to an affordable location because of this. So how can they expect me to pay them? As a result of my request In XX/XX/XXXX, this company removed the collections off of XXXX and XXXX  credit reports but not XXXX. I then made another complaint. XXXX  of XXXX, XXXX  has all correspondence. I am filing this complaint again on XX/XX/XXXX because this company added the collections back on my credit. So illegal and unfortunate because I am trying to move.
Consumer complaint received 2015-10-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MN)

[ Case number : XXXXHi! This is my second time contacting you. I had written a complaint about my mortgage company lack of help with selling my home on a short sale. I have had a qualified buyer for 11 months. After my complaint to you I heard from them immediately and it seemed they were on top of it calling me every couple days. Now it has been 3 weeks and no word. They are not returning my realtors phone calls or e mails asking where things are at. Not sure where to go from here?
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (NJ)

I applied for the U.S. Bank FlexPerks Travel Rewards Visa Card during their XXXX Visa XXXX Bonus FlexPoints promotional offer, which was for a bonus XXXX " FlexPoints ''. The only requirements to meet this bonus were to open the account before XX/XX/XXXX and make one purchase by XX/XX/2016. After allowing the 6-8 weeks stated in the terms and conditions for the bonus points to be credited and still not having received them, I followed up with U.S. Bank on the status of my bonus points. They stated that they needed more documentation from me requesting verification of the promotion in question. On XX/XX/XXXX, I faxed in all of their requested documentation, as well as my backup documents showing I had met the requirements outlined in the terms and conditions of the offer to receive the bonus. After following up again about the status of my bonus points on XX/XX/XXXX by phone, a supervisor named XXXX stated that U.S. Bank would not be able to credit me the XXXX " FlexPoints '' because I had used the wrong application link when applying for the card. This is simply factually not true, as I had even gone the length of capturing the webpage I had used to apply, proving it. This screen capture was also included in the documentation I had faxed on XX/XX/XXXX. I have attached all of our written correspondence, including the documentation I had faxed, which clearly shows I : 1. Applied using the correct link ; 2. Satisfied all requirements to receive the bonus points ; 3. Gave sufficient opportunity to resolve the issue timely and amicably.
Consumer complaint received 2015-07-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

We are writing to ask for your help in our situation with Nationstar Mortgage. Last year we decided that it was time to sell our home, we no longer can afford it, it had taken almost all our retirement funds trying to save our home by waiting for the value of our to go up enough to sell it without having to pay out pocket expenses related to the sale. Here in XXXX XXXX the market had not improve enough for that to happen. We hired an real estate agent to sell it, that is when we found out that the value of our home is still under water by about {$18000.00}. She advised us to file for a short sale, we did that in XXXX of 2014 and as of this date we have not received any communication from Nationstar Mortgage. They told our agent that FHA approved a loan modification, we have never received any detail or written notification from them regarding this decision, maybe it is your a tactic to delay it. We are worry that this is going to end in a foreclosure. 

Here is our problem, following the advise of our agent, we stopped making payment for two months, they place the rest of the payments that we made in an escrow account and blocked us from making payments electronically, meanwhile they sold our loan to XXXX of Florida. They will not return our phone calls or communicate with us at any time of this process, the only contact phone they provide is a call center with voice mail never a human and we leave message after message and they never return our calls. 

Please help us, we are seniors with very little money left, my husband is XXXX years old and I am XXXX, we can afford to fight these people that are in the business to screw the consumers. 

Also I would like to tell you that for the beginning of this process we have a serious offer of {$190000.00} which has not been accepted nor rejected, plus they have been many interested buyers.
Consumer complaint received 2016-12-03
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (CA)

Hello! My name is XXXX XXXX and U have a credit cash rewards card with US bank and I earned XXXX $ rewards card on XX/XX/XXXX and I never got it! Placed a multiple calls in XX/XX/XXXX, then in XX/XX/XXXX - hours on hold ... get transfers to differend departments and it seemed like nobody new what was going on. Finally got a call from supervisor 2 weeks ago and as per supervisor I would receive my replacement card within 7-14 days. Today is 15th day and I am in the Bank ( 1.5 hours!!! ) to find out if my replacement card was sent and same story - no one know what is going on!!! The card was n't sent to me, and nobody has an answer why. I am in the bank and they gave me a phone, I am on hold again ( XXXX person ) and I have to explain to each one over over hat happened, It 's so crazy! I am tired and I want to cry!!! I lost any trust to this bank and want to ivastigate what is going on in this bank, because all this way to fishy ... Thank you!
Consumer complaint received 2015-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mid Continent Credit Services, Inc (KS)

In XX/XX/XXXX I had Internet service with XXXX XXXX out of XXXX, KS. Until I terminated service with XXXX and mailed the leased cable modem and equipment back to them. 
In XX/XX/XXXX I was contacted by a collection service affiliated with XXXX called MID CNT CRSV. They demanded payment for the modem and I explained that it was mailed to them and that they needed to check with XXXX to confirm this. Their response was " that is not our problem we can only give you the option of paying the full amount, or we will keep this on your credit report '' After a year to avoid negative credit effects I offered {$75.00} to settle the account. MID CNT CRSV refused and said they would only accept full payment to remove the information. 

It has now been over 8 years since I canceled service with XXXX and over 7 years since this charge was listed on my credit. I currently have a XXXX credit score and in all those years I have never had an open account in collections from any company. I believe XXXX and MID CNT CRSV are working together and using bully tactics by threatening to continue reporting old accounts so that they continue to damage credit scores in order to retrieve funds whether they are legitimate or not from past customers.
Consumer complaint received 2015-05-08
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Champion Mortgage refuses to process any of the documents we have submitted, we have on multiple occasions sent in residency verification letters, authorization letters, copies of our insurance and they continually deny receiving the paperwork. I have been placed on hold for very long periods of time and can not get anywhere with them. They are negligently and purposely not processing paperwork in order to have an excuse to foreclose. They have now begun foreclosure proceedings due to non occupancy and an incorrect insurance and taxes balance because of their negligent actions.
Consumer complaint received 2015-09-13
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX I was interested in attending The XXXX XXXX. After being accepted to the college the financial adviser said I would need to apply for a student loan if I was not able to pay for the tuition out of pocket. The school 's adviser filled out all the paper work for me. Then the loan company ( XXXX XXXX ) said I was not approved for the student loan, but if I had a co-signer they would approve the loan. Under the assumption that I would need XXXX co-signer to be able to go to college and receive a college degree, I agreed to use my mom as a co-signer for the student loan. The school had me in a fast track program, I was in school from XX/XX/XXXX to XX/XX/XXXX and have a student loan for over 30,000 $ US. After those months had passed, the school told me I would need another student loan to continue my education. Again, the loan company said I did not qualify for the loan, and this time, they said my current co-signer did not qualify for the loan as well. Growing up with XXXX parent and not having any relatives this forced me to be unable to continue my education. I have been working ever since I had to stop going to school to be able to pay back this student loan which I feel I should have never received if my co-signer and I were both denied.
Consumer complaint received 2022-11-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-09-03
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (SC)

Synchrony bank closed a credit card, I paid off because they did a financial review and I had a different card with them that I was 1 payment past due on, because I had a reduction is work hours, which I had scheduled the payment and it was pending. This account the closed was paid in FULL, had nothing to do with the other card or the payments with the other card. This is udder BULL. They charge you two payments and up your scheduled monthly payment if you are 1 payment past due. If you owe them XXXX past due payment and the new payment XXXX, which i not considered past due, They charge you a total payment due of not XXXX but of XXXX, then report on your credit you are two payments past due, when you are only 1 payment past due. How is this allowed. Okay so they charge you XXXX past due, they go ahead and up you next scheduled payment to XXXX instead of XXXX. They change the terms of your credit. I am sorry this should be illegal and they should not be allowed to do this. This is why all of sudden someone who had a great credit score is now a poor score. You bank of paying XXXX communicate to them, they still call you 50 times a day, no joke. In one day they called me 35 times, each time I had to tell them I have schedule the payment, however they claim you have not scheduled the payment or communicated to them. " LIARS ''. You have to continue to repeat to them, I am late due to loss of income. Seriously someone who pays their bills and has a record of doing so does not just ignore their obligations. I feel like this bank should be investigated for fraud and a class action LAW SUIT should be filed against them and I would like them to be fined for what they have done to folks. I ca n't wait to pay them the other XXXX on the other card and I will close the account. I will send them the CARD in a XXXX tiny pieces. They are ruthless. I understand the late fee, but to double the payment and close account which has nothing to do with the one I am past due on, ILLEGAL!!!!!!!.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (DE)

I am the owner of The XXXX XXXX XXXX. I provide personal training services to those in the Delaware area. On XX/XX/XXXX I received an email from a customer inquiring about personal training services for her XXXX children. I shared my booking link via email once again for her to check out my packages, policy, and let me know what would be best for her and her children. She let me know she was hearing impaired and ill and wanted her XXXX girls to start training on XX/XX/XXXX of 2023. I gave her a clear explanation of my packages and pricing and she chose the best XXXX for her which was 3 month packages for both kids totaling to {$1600.00}. I sent the invoice over for the payment and she successfully made the payment. It was also made clear and clarified that I do have a no refund policy and to make sure training still gets completed. Payment was processed XX/XX/XXXX. This customer kept up with me via text from that point on about training for her children, she chose their dates and times and they were added to schedule. On XX/XX/XXXX square space messages me about a dispute for {$1600.00}. I sent a copy of my policy, my packages, and all communication between the customer and myself. From that day until now XX/XX/XXXX squarespace held the {$1600.00} from my account. Then they debited my personal account for that same {$1600.00} multiple times putting me in the negative. They have held every paid invoice I received from other clients totaling {$1600.00}. Their agents failed to clearly explain why this was happening each time telling me they could not help. As of today XX/XX/XXXX my account is still on hold after being told XX/XX/XXXX that I was in the clear as far as the {$1600.00} due to them holding paid invoices to equal that amount.They have as of XX/XX/XXXX hit me account for that {$1600.00} yet again. It is sad they don't have any resolution for honest business owners. This has caused a huge inconvenience as this is how I live and take care of my family. They have been no help and I get told different things every Time I call. I will not be continuing business with this company and would appreciate for my account to be returned back to it original state and for them to return the {$1600.00}. I am also not able to keep track of my sales because the app is also improperly tracking my sales as SquareSpace keeps doing their own adjustment due to this! I have reached out to the CEO of this company via email to let him know what is happening and I have also contacted an attorney on this matter as I feel I am being cheated and robbed at this point with no clear explanation.
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (MA)

They claim to hold a debt I have with XXXX XXXX XXXX. I informed them that I 'm not working a permanent job, but when I have the money I will pay. They call repeatedly and when I answer they hang up. Per my caller ID they have called : Week 1 XXXX/XXXX/16 at XXXX, XXXX, XXXX XXXX/XXXX/16 at. XXXX, XXXX XXXX/XXXX/16 at XXXX, XXXX Week 2 XXXX/XXXX/16 at XXXX, XXXX, XXXX They call from XXXX different numbers : XXXX and XXXX This causes me to get XXXX, I feel like I 'm being badgered and bullied. I 've paid over {$5000.00} in debt this year alone that my estranged husband left in my name when he walked out on me. I 'm working really hard to rebuild my credit. I want to pay them, and I will. It 's just not fair to harass me, I 'm already under a lot of XXXX. Please assist.
Consumer complaint received 2017-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (MO)

I settled the debt with Penn Credit Corp in 2012 in the amount of {$210.00}. It has recently hit my credit report as an active open collections account. I need to know how to have it marked as closed or removed from my report all together.
Consumer complaint received 2017-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Southwest Credit Systems, L.P. (MD)

After receiving a copy of my credit report, I discovered that this debt was being reported without me having any knowledge of even having this debt. I have attempted on several occasions to obtain validation and verification of the debt from the creditor. The collection agency has no knowledge of anything about me outside of my name. When I contacted the collection agency, the representative repeatedly requested my birthdate, social security number, address and phone number in a very rude manner, before giving me any information pertaining to this debt. Representative also informed me that it was against the law to refuse to pay a debt that I owe and attempted to collect without verifying that is was indeed my account, that I owed on the account. or what the amount owed actually was.
Consumer complaint received 2018-07-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Finance LP (FL)

My mortgage was sold to this company Selene Finance from XXXX XXXX on XX/XX/2018. I sent my XXXX mortgage payment to Selene Finance on XX/XX/2018 via check. I called Selene Finance on XX/XX/XXXX to see if they received my check payment. I couldn't get online their website because it didn't recognize my account. Customer service rep told me to call back on XX/XX/XXXX. I asked her what is going to happen with my check payment until that time she said it will get applied to my account. So I called back XX/XX/XXXX and spoke to customer service rep named XXXX which was very rude to me when I asked him if they received my check yet. He said no they didnt. I then told him i will make my payment directly with my bank via electronically which I did. On XX/XX/XXXX i tried to go on selene finance website to see if my payment posted, but now Selene has kicked me off of site. I tried to log in and request a code so I can sign into website but I never get a code from them via email. So now I have no idea how to contact this company to see if my payment was received. How can this company do this.? Every time you call them you are on hold for a very long time over 45 mins. I have read a lot of complaints about this company saying they never got your payment and then add late charges to account. They do whatever it takes just so consumers can not contact them whether website portal or phone. I just want to know if they received my payment. So i dont get any late charges thats all.