davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My loan was sold to Nationstar. At the time there was a {$1400.00} escrow surplus. However after one month, NS sent a letter stating that an audit revealed I had a shortage of {$500.00} and my pymt. needed to increase by {$40.00} a month. I disputed this via an a customer service rep. who said she would investigate. I never heard from her again. NS let the matter drop until XXXX of this year when an audit revealed I now had a {$2400.00} shortage. And my new pymt. was to increase by {$300.00} month. 
I disputed the math and the amount and asked to have a senior level person speak with me. I did this through the NS website in an email. A person did call. We spoke and i sent an XXXX page fax with my supporting documentation. I followed up with this person 11 days later. Heard nothing. Called again 4 days later and left a message. Heard nothing. 
I called the corporate office to complain, explain and ask for a senior level person to call me. I was assured that someone would. Heard nothing. 
Sent a certified letter with dates, names and broken promises to the CEO. Heard nothing yet. 
All the while customer service hounds me with phone calls to pay up. The loan has been put into default, they are threatening to begin foreclosure proceedingsand have stopped sending me hard copies of my monthly statement. 
I called today to demand that a hard copy be sent ASAP of the current month. I was told that I 'd been set up for email copies only. Ever since the loan was sent to NS, I 've always received hard copies, not once has a monthly statement been sent to me. I asked when the email copy was set up and I was told they could n't tell me. 
Each and every time customer service calls me I ask to speak to a senior person. I 've requested this multiple times via the NS secure message center. 
They do not respond except that very first time. Since then, they refuse to offer any help other than a payment plan. 
I am at a loss as to what to do next. It appears to me that NS has set up it 's departments with walls so that information can not be exchanged and thus problems do not get resolved. 
I went through similar issue with XXXX and it took 14 months to resolve. And the main reason XXXX cleared up the issue, ( they created ) is that I caught them in a lie. 
MY credit score is very, very high, I take my financial responsibilities very seriously. I do n't abuse my credit and I pay all my bills in full and on time. 
This makes it all the more frustrating to deal with NS. 
Thank you. 
XXXX XXXX
Consumer complaint received 2020-06-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (TX)

I call on XX/XX/XXXX and asked for the pay off amount. The lady told me that a draft for {$530.00} was already scheduled to come out of my bank account. the balance was {$1700.00}. 
{$530.00} Drafted out of my account that night. 
I paid your over the phone {$1200.00} On XXXX the XXXX they drafted {$120.00}. And I received an email that they will draft again tomorrow. 
Please see the pay off drafts out of my account attached. And they reported on my credit that my balance just went up.
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

I had initially secured a mortgage modification from SPS ( Select Portfolio Services ) XX/XX/XXXX. Apparently there was a problem with the final modification being processed and my home is now scheduled for foreclosure sale. I disputed the foreclosure, and was not notified of my denial in writing, or given an appeal period. SPS is dual tracking my foreclosure which is scheduled for XX/XX/XXXX. I am a single parent of XXXX children, plus I provide a place to live for my XXXX older sister. I am in desperate need of help to stop this foreclosure.
Consumer complaint received 2020-06-15
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: BARCLAYS BANK DELAWARE (HI)

Dear Madame or Sir, On XX/XX/2020, I purchased plane ticket from XXXX XXXX for {$700.00}, disputing the charge after they refused to give me refund on XX/XX/2020, then went on to grounding their entire fleet on the day I was supposed to travel. In addition they also wanted {$300.00} to issue ticket even after issuing me a confirmed itinerary ( XXXX ). This request for {$300.00} is FRAUD and not issuing refund of {$700.00} after grounding the fleet is against United States law. 

My credit card company, XXXX XXXX XXXX XXXX XXXX   Mastercard, issued by Barclays Bank Delaware, has reviewed the evidence of non-delivery of service ( {$700.00} ) and also the fraudulent request for {$300.00}. At first, they issued provisional credit or {$700.00}. But, to my surprise, in a letter dated XX/XX/2020, they closed the matter ( CASE ID - XXXX ) by reapplying the charge to my account (?! ). 

This is WILLFUL negligence by Barclays - they are knowingly ignoring the evidence presented by consumer whom they offered to protect against such charges.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (MD)

After I reviewed my free credit report, Experian billed my credit card for credit monitoring services without my approval. I never subscribed to their services. They said it is in their terms and condition for viewing the free credit report. How can something be free if they make you pay for it and then bill you monthly. Trial membership that requires someone to call and cancel the membership should be forbidden.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2023 I submitted a dispute via certified mail through usps in which I asked Experian to remove addresses, phone numbers, social security numbers, as well as names and employers that doesnt belong to me. I included a bank statement, drivers license, and check stub from my current employer to validate information. I also provided the correct spelling of my name, my correct address and my phone number. I asked for all other information to be deleted. I also asked for them to remove bankruptcies on my account or send proof of validation in which they never sent. I also asked them to remove a closed account from upgrade that I showed was opened through fraud. I submitted a copy of a fraud report to them and they have yet to remove the account. Experian has yet to update credit card balances in which were paid off and is still reporting old balances. I am so tired of Experian dragging their feet on removing items off of my credit report and updating my report in a timely fashion. Experian continues to hurt my reputation and credit by reporting old credit card balances and bankruptcies as well as by giving thieves access to my credit file by keeping addresses on file from which I do not reside, social security numbers that do not belong to me, employers in which i do not work for, phone numbers that I do not have, and names that are not mind on file. All of those things listed has allowed fraudsters access to my credit file in the past. An example of this very situation is an address listed on my current credit file has been used to obtain credit fraudulently. I have disputed this address numerous times and Experian continues to keep this address associated with my credit file.
Consumer complaint received 2015-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NATIONAL CREDIT SYSTEMS of XXXX My boyfriend and i lived in XXXX XXXX and he lost his job as soon as we moved in so i came in to the office to make payment arrangements and cancel the lease so it wouldnt be on our credit reports after living there only XXXX3 months. 

The Property Manager then was very disorganized and wanted to have her hands in every affair but she never followed up on anything. I came at LEAST twice weekly after moving out abruptly so they rent it out to the next person to stop the bleeding of future continued payment. 

They had new renters in 3 days but the manager would never meet with us to discuss official process but I find they posted to our credit for non-payment. 

I CAME IN XXXX and XXXX for resolution but the manager was fired and they werent able to verify the debts as being mine. they even had bogus charge amounts and maintenance left defecation matter in the toilets and they never even fixed problems that existed before we even moved in. 

The electrical outlets needed fixed, the kitchen lights, the garbage disposal, floor tile and a couple other things since before we moved in they said they would have fixed before move in but never did. 

i even specified countless times for approved entry only when scheduled so someone could be there because we experienced apt staff stealing from tenants ' homes in their absence and they ONLY came when we specifically stated we werent going to be there saying they didnt find no problem and left msintenance slips in inconspicuous places like in the bedroom and closet. 

Since going in person in XXXX and XXXX and getting nowhere i filed a dispute with the credit bureau and everytime i gave information and proof they required me to furnish, they extended the creditor 30 new days but me only 10 days and never followed up. 

No one ever sent me anything from XXXX XXXX. THats why the credit bureaus say they 'll give them more time to respond. To this day i havent received anything from them. 

I came in to the office a few weeks ago and learned there was some kind of process that was supposed to be done that i had never even heard of that was not done.
Consumer complaint received 2016-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (GA)

National Credit Systems is unlawfully reporting an account on all XXXX of my credit reports that does not belong to me.In contacting this debt collecting agency to request debt validation for the account ( XXXX apartments ) I was told that the wrong information was uploaded to this account, that supposedly belongs to me, ( that there was information there under this account with my personal information on it, but that the documentation that they have to support it is incorrect and belongs to someone else ) and that they did not have any type of original contract etc to provide at the moment. I was also told by the representative XXXX XXXX XXXX that she would request this information from the said original creditor and to wait a weeks time. I also spoke with XXXX 's supervisor XXXX XXXX XXXX XXXX who also advised me of the same thing, that he would request this information and to wait a weeks time. It is now concluding week XXXX and I have yet to receive and type of documentation. After first waiting for a response, I decided to contact the original creditor ( XXXX apartments ) and spoke with the manager directly who informed me that there was no knowledge of an account under my name. She also stated that if there were, the agency should have it, which again, both the representative and her supervisor stated that they did not but that they were requesting. I then contacted the agency again and was informed by XXXX that there were XXXX request over the past few weeks made by both herself as well as her supervisor, but nothing was ever received. XXXX then stated that she did not know what was going on and that she could only inform me of what she was seeing which was that someone else 's information had been scanned to an account that supposedly belongs to me and that XXXX requests were made to obtain this information but that nothing was ever received. I was then transferred to her supervisor ( XXXX XXXX XXXX who stated that they would no longer take anymore phone calls from me and that I needed to have an attorney contact them, which I find odd since they are reporting me in an attempt to collect a debt which again does not belong to me. XXXX XXXX then disconnected the call while I was still attempting to inform him that this creditor stated that there was no documentation of any kind.
Consumer complaint received 2017-01-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MT)

We obtained a loan thru One Main Financial and paid on the {$5000.00} loan for 2 years with an interest rate of 35.99 %. After 2 years of making payments ( on time ) we went in to the institution with {$4500.00}, hoping to pay it off in full. They would not except the payoff because they said our payoff was more than what we took the loan out for. At that time we did n't realize The interest rate was that high because when we took out the loan everything was signed with an electronic signature and we were unable to see any paperwork or details actually stating the interest rate. We were desperate for the money and feel we were lied to and taken advantage of by One Main Finamcial.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  XXXX XXXX XXXX - XX/XX/year> XXXX
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute with you all back on XX/XX/2016, stating that the following accounts were not mine and incorrect. At the conclusion of the investigation, you all claimed to have received documented proof that these accounts belonged to me. When I indicated that they were not, you all instructed me to reach out directly to the creditor to get validation of debt and that I would need to provide that to you all to have it delete from my credit report. I spent an entire week contacting all these creditors to get validation of debts and correct information. I provided all this information over to you all as YOU all requested ; however, you all are still refusing to delete this inaccurate information. You all lied about verifying it as the creditor gave me something be documentation supporting the claim that these accounts were not mine, etc. 

You all are in direct violation of my rights under the FCRA, as you all are refusing to delete this negative and damaging information from my credit report. FCRA states that incorrect and inaccurate information can not be furnished on credit reports. You all are creating a lot of undress stress and hardship, with your lack of regards to my rights as a consumer. You have repeatedly denied my request to delete this incorrect information. You have completely disregard the documentation I provided at your request. 

Attached are the following letters that I faxed over to your team and a copy of my credit report. I am provided all the necessary proof that these items do not belong to me Its very interesting that you all are the only credit bureau still reporting this incorrect information, all the other bureaus deleted after the 1st round as the creditor did not provide proof. The disputes were all opened at the same time. 

Accounts that are inaccurate, incorrect or not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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. (NC)

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-01-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WASHINGTON FEDERAL BANK (CA)

In XX/XX/2016 we started the process for a short sale on our primary residence. This short sale was necessary because I had received an offer for a new position in XXXX California. The current housing prices had not caught up to what we owed on our house and with the cost of the sale, we would be short funds to pay down all of the liens. I submitted for and was approved for a HAFA short sale through XXXX Bank. Under the HAFA guidelines 2nd lienholders ( Washington Federal ) would be guaranteed up to {$12000.00} for the balance of the loan and the remainder would be forgiven by the bank. California legislature passed a law, SB 458, which protected the home owner from being pursued by a lender for the unpaid lien balance. We worked with XXXX and informed him of our circumstances, provided financial documents to show we could not financially make up the difference once the house closed nor would we be legally obligated. XXXX refused to take the {$12000.00} for the payoff of our loan of {$19000.00}. We had a buyer that was qualified and ready to move in, however it was apparent we would need to foreclose because of XXXX denial of the funds approved by the HAFA program. Toward the end of our short sale process the buyers, reluctantly, paid {$5000.00} toward our balance on the Washington Federal loan. This transaction was outside of the title proceedings because under the HAFA guidelines this transaction could not be on the title documents. XXXX again refused to take the {$5000.00} plus the {$12000.00} and forgive the {$2000.00} we had left on our balance. The only way XXXX would release the lien was if we agreed to continue making payments on the remaining {$2000.00} once the sale was final. Other than the document he created and we had to sign, we were not legally obligated to continuing making our payments as per SB 458 and HAFA guidelines. We submitted a copy of the signed document to XXXX Bank and they refused to proceed with the short sale because the letter violated state law ( SB 458 ) and HAFA guidelines. Our realtor received the {$5000.00} from the buyer and took personal money and paid off the Washington Federal balance so the house would not go into foreclosure. We paid her back from our moving expenses proceeds from the HAFA program. XXXX handling of this process were both unethical and unprofessional.
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (NJ)

I have checked my credit report from XXXX and I have noticed an unauthorized hard inquiry. I have no knowledement of this inquiry on XXXX XXXX, 2015. I would like it off my credit report due to I personally not applying this inquiry.
Consumer complaint received 2015-09-19
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (CO)

I sold XXXX items on eBay and the items were successfully mail with tracking and received by the buyers, PayPal placed my funds on hold for 21 business days to make sure there were no conflict with me and the buyer. My funds then were released more that a week ago and I moved a portion to my savings account with my credit union. A few days from today, PayPal placed a restriction on the remaining funds in my PayPal.com account and has provided an erroneous reason why my funds are being held and why my account blocked. I called and email PayPal customer service and they simple told my PayPal no longed want me to use their service but they are unwilling to give my my money back also. PayPal want me to give them my passport copy, my state id copy, plus back statements and I refuse to give them this information because PayPal already have my social security alone with other information about me and how I look like. I feel PayPal is practicing abusive behavior and manipulating users in order to hold their funds in PayPal rather than the user moving the funds to their banking institution.
Consumer complaint received 2016-08-05
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I was almost victimized by a company because they made the assumption that I would be a regular user of their services. Many, ( especially web sites ) businesses use this underhanded tactic to steal money from unsuspecting people. I think that something should be done to stop these companies from preying on people. I used the services of XXXX one time in XXXX of this year and I paid them {$19.00} for their services. They turned around and charged me for a month 's fee in XXXX, ( {$22.00} in XXXX ( the same day ), however, I used PayPal, and somehow PayPal neglected to pay them any more money until XXXX XXXX. 
I called them as soon as I realized that they had done this and demanded a refund of at least the XXXX XXXX payment and they did so. This should not be allowed to happen. At the risk of offending someone reading this, I feel I must say that this is the reason why XXXX XXXX has gathered so much support in this country. Many of our business leaders think that things like this are a good way of doing business. The charges should be posted in such a manner as to leave no doubt in the consumer 's mind as to what hey are consenting to. The consumer should be given the choice at the time of purchase of whether or not to have a recurring bill.