davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (CA)

I contacted Key Bank on XX/XX/2019, to close my checking and savings account. I had ~ {$2900.00} in my checking account, and ~ {$81.00} in my savings account. Keybank sent a check for the {$81.00} in my savings account, but never refunded the money in my checking account. I can not view my account balance anymore since the account was closed. I have contacted the branch several times ( on XXXX XXXX in XXXX ), and they repeatedly either say they are too busy, and don't have a banker available but will call me back, or I talk to a banker who says they will talk to a manager and call me back. This has happened 4 times now over the last month, and each time, they do not call back. To be clear, I moved out of state so can not visit the branch in person. 

They do not dispute that I had the balance, or that they owe me the balance, or that I never cashed any check for the balance. They are fully aware they owe me a balance. They just are not taking the ownership and accountability to fix the problem. I asked if they had a plan to get my funds sent to me, and they said they don't, but would call me back today. They have not called me back. 

After being a Key client for over ten years, I was surprised how little responsiveness they have. They are holding onto my money and seem to have no intention of getting my money to me. They aren't outright stealing it, they are just very disorganized and have no sense of urgency, and as a result, are unlawfully holding thousands of dollars that do not belong to them.
Consumer complaint received 2019-07-26
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. (GA)

The account was paid in full on XX/XX/2019. 
The creditor was awarded a judgement for garnishment against me on XX/XX/XXXX. 
They left the account open and didnt start the garnishment until XXXX. 
I paid it off in full XX/XX/XXXX. 
They reflect the account as still being open and being in bad standing. 
They never reported the judgment or the payment. 
And the charged me over what judgement was.
Consumer complaint received 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (LA)

Round point mortgage servicing corporation filed false Annual tax interest statement year 2016 escrow reconciliation principal balance Homebase HUD corporate responsibility to Post property and Casualty survey that XXXX XXXX XXXX errors of Louisiana Department Of insurance missing NAIC lost insurance policies on XXXX XXXX XXXX And wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Louisiana XXXX Mailing Transcripts and transfer mailing address XXXX XXXX XXXX XXXX , Louisiana XXXX covering Office of motor vehicle inspection Re : Installment Agreement White collar crimes Special investigations commissioners Louisiana police State bureau and Industry access Update members profiles XXXX XXXX XXXX And wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Louisiana XXXX XXXX address XXXX  XXXX XXXX XXXX , Louisiana XXXXburden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor , Office of the Chief Information Officer, Attention : Departmental, La-Hire CareerOneStop Heavy Civil Clearance Housing Feedback Career one stop Annual Update Backrounds Of XXXX XXXX XXXX and wife XXXX XXXX XXXX both are eligible to The FMLA entitles eligible employees of covered employers to take unpaid, job-protected leave for specified family and medical reasons with continuation of group health insurance coverage under the same terms and conditions as if the employee had not taken leave. Eligible employees are entitled to twelve workweeks of leave in a 12-month period for : FTC bureaus See and check ALL 3 reports with credit scores.Annual quarterly, daily weekly data systems updates Re : Installment Agreement Louisiana state licensing and Homebuyers Home choice Builders registrations Sunrise Louisiana new Housing developments Louisiana leevee Boards state regulators Help NAIC and federal grand juries Resolution resolve now for XXXX XXXX XXXX And wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Louisiana XXXX Mail transfer XXXX XXXX XXXX XXXX , Louisiana XXXX Calling all independent sales organizations, brokers, and agents! XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX   Structured Settlement/Annuity Payments Official Lump Sum of Cash Sent from my XXXX
Consumer complaint received 2020-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IL)

Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account. 
2 Deletion from all consumer reports.
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On XX/XX/XXXX I sent a response e-mail to XXXX ( Teller ID XXXX ) from Specialized Loan Servicing. ( see attached documents for the e-mail and the documents attached to the e-mail. ) In this e-mail I advised XXXX that I was in receipt of her letter dated XX/XX/XXXX regarding the available options to me for mortgage relief. 

I informed XXXX that I wanted Specialized Loan Servicing to be aware that my mortgage which is under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was part of a settlement agreement with the Department of Justice. With this said, said settlement agreement stated that XXXX XXXX XXXX must provide relief to consumers. Some of that relief would be in the form of principal reduction and loan modification that would result in numerous homeowners no longer being underwater on their mortgages and finally having substantial equity in their homes. 

While I was in negotiations with Specialized Loan Servicing they only thing they offered me was to modify my loan with a lower interest rate and putting all past dues amount, fees, etc. and the principal amount to the end of the loan as a balloon payment. Also, the terms of my loan where not extended they remained with the same end date as the original loan. 

XXXX  XXXX XXXX/XXXX XXXX / Specialized Loan Servicing have not complied with the Department of Justices Settlement Agreement of XX/XX/XXXX nor have they complied with responding to my first letter to them regarding the consumer relief that is owed to me under the said settlement agreement. They have violated their agreement with the Department of Justice and have failed to provide me with all the allowed relief for my mortgage loan. 

I request that they provide me with answers and with the consumer relief that is due to me under their agreement with the Department of Justice Settlement Agreement of XX/XX/XXXX. The relief is not only a lower interest rate, a loan modification but also principal reduction, forbearance or forgiveness of first lien. Please see in the attached document Page # 5 Consumer Relief for further information on the consumer relief that is to be provided to homeowners. 

Also be aware that Specialized Loan Servicing as the Servicer has to this date never provided me an answer to my original letter to them regarding this issue.
Consumer complaint received 2019-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

GRANT & WEBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Above company attempting to collect {$1400.00} medical bill that i am unaware of. I have sent certified letters after letters asking them to submit my signed medical contract and they have failed to do so. I need this resolved immediately and removed from my credit report.
Consumer complaint received 2017-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (ME)

O n   XXXX   XXXX  , 2017, I applied f or a loan fro m Big Picture Loans,  got approved, but was failed to be informed about the interest rate of %  719.9395. I borro wed {$400.00} because I was in a financial bind and needed the money quickly. I can not afford to pay {$130.00 } every 2 weeks until  XX/XX/XXXX ! I   need out of this or I will lose my car or home. I live paycheck to paycheck like most of middle-class  America. I t ook out this loan because it was easy to get approved with bad credit, and they took full advantage of it. I was not informed of a finance charge of {$1300.00}.
Consumer complaint received 2019-01-30
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. (NM)

XXXX XXXX- XXXX  is reporting an erroneous balance, continuously updating monthly and damaging my credit. 
I settled and paid this debt in XX/XX/2018 for half of the balance, yet they continue to update and report a balance. I have contacted my attorney and and prepared to file legal action.
Consumer complaint received 2019-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I was two months behind I was paying so that I didn't hit the third month I was not able to make my payment for XXXX I was never notified loan services change we got in contact with phh mortgage they've specified a letter will be used out yo notified us they offer us an application for modification 3 weeks later they specified to me on a phone call I maid to the to see what was going on to find out I didn't qualified now I am on 6month default on payment they told me my manager will contact me till this day no phone calls from him at all
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have 30+ years never a late payment, never deragatory, perfect credit. But, because I don't own a home I am penalized with an average rating very disturbing system. 

XXXX XXXX XXXX in XXXX XXXX falsely reported a derogatory delinquency to Transunion in XX/XX/2019. Transunion and FICO scores immediately dropped to bad credit rating. XXXX XXXX and XXXX received the bad credit scores and replied to me all my credit available was removed. A Platinum card with $  XXXX credit was reduced to the currently owed balance of {$3400.00}. All credit cards are now declining any transactions. XXXX has attempted to correct from their end but it has not corrected the situation. I submitted disputes with Transunion who has not corrected the problem. Now we will watch this case get worse. Once XXXX XXXX and XXXX stripped all credit availability from the cards this means the only way to increase the credit lines is resubmitting so these are now reported on my credit rating. As you aware these recent reports drop the credit score further damaging my financial life. 

THE CURRENT CREDIT REPORT AND SCORE ARE FALSE AND DO NOT REFLECT ME OR MY CREDIT.
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

I have tried numerous times to make modification, we have proven that our current situation is better, we have told then that we Received {$10000.00} a XXXX at this time and we have provided evidence to, but they never given a correct resolution. 
we need our house, last Application we did on XX/XX/XXXX. 
they asked for all the documentation and i proved it to them, but received a letter dated XX/XX/XXXX in which they requested the information that had already been provided and we send an Email with the evidence, XX/XX/XXXX i get another letter asking for the same information they been requesting in XX/XX/XXXX on the Same day XX/XX/XXXX I recceive another letter saying that my loss mitigation application will not be evaluated because i failed to submit my complete loss mitigation application also said the foreclosure sale is XX/XX/XXXX I demand that they show all the evidence that i provide, well i have all the evidence including all calls and emails. i demand a solution or it will be time to sue this company also i demand a review of the cocuments i provide the them, for my loan modification. 
i demand a modification for my house and document Review i provide to them all the documentation and at the last minute they say they are not going to review anything, I thing this company just wants to steal our property
Consumer complaint received 2019-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (CA)

I originally had a credit card with jay jewelers that was offered at the time or purchase of a engagement ring. I did not proceed with the marriage and or engagement and the ring was returned. I was told this was all clarified and taken care of at the store at the time of return. At the time of return both employees were running credit and trying to figure out how to return the item. They mentioned it was resolved and I was good to go. This was at the Kay jewelers inside the mall at XXXX  XXXX. This was over 10 years ago and now I received a letter about a bank levy from some random company. I dont believe there was ever any legal action and or judgement but these are threats against my accounts. I need this to be addressed and this company needs to know they cant harass people for debt that doesnt belong.
Consumer complaint received 2019-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I have previously submitted a complaint under claim number, XXXX on XX/XX/XXXX received a notice from PHH acknowledging receipt of my complaint dated XX/XX/XXXX ( attached ). The letter included a invitation to contact XXXX XXXX from customer account analyst with any questions at XXXX ext. XXXX. I called the number but the automated answer is that extension can not be reached from this number! 
My complaint is simply that PHH has set up a system with the intent to avoid all direct contact with its customers. On XX/XX/XXXX after approx 30 min of various phone transfers and hold delays I was able to speak with an agent who said would make the necessary reversal of the mis-applied payments, but he could not explain why my payments were repeatedly being paid to principle and not as a regular payment.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since XXXX  i've been complaining now I feel unheard & ignored. now i'm seeking help from cfpb to get my issues heard. XXXX  have been reporting inaccurate address, inquires, employers and much more. they have been reporting these things without my consent on top of the inaccuracies. this has harmed me for the past 2 years I've been denied for everything I've applied for. I have a child to provided for and i'm limited due to XXXX  reporting inaccurate information & ignoring all of my attempts to notify them of such.
Consumer complaint received 2019-07-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Date of Occurance : XX/XX/19 XXXX XXXX XXXX ( XXXXXXXX ) XXXX-XXXX XXXX va Schools First Credit Union Transfer Amount : {$150.00} XXXX does not offer fraud/scam protection services for their clients. Although it is deemed as trusted by banks, neither institution is willing to help me get my funds back. My bank, SchoolsFirst Credit Union, denied my right to file a claim for any XXXX authorized transactions. They say I have no option but to attempt to contact the person who Scammed me. This person is unreachable and non-communicable, they did not and will not send the product or goods that were promised as part of the transaction. His name on XXXX Account is XXXX XXXX. His Email : mailto : XXXX and phone number ( XXXX  ) XXXX-XXXX.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NM)

While I was able to obtain my credit report from XXXX and XXXX  just fine, I could not get it from Equifax through XXXX. I am certain I supplied the correct information to verify my identity ( otherwise I would not have succeeded with XXXX and XXXX ), so they didn't deny me because of " wrong answers. '' Because it worked with the other 2 agencies, I'm also certain it's been more than a year since my last request and I'm eligible to receive a free one now ( I'm well within my rights ).
Consumer complaint received 2019-07-27
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

Intent To Sue Contacted Equifax multiple times concerning XXXX XXXX and XXXX continues to allow this company to report inaccurate and knowingly false accounts on my report this damaging my credit and ability to obtain financing. 
These account have been removed from XXXX and XXXX   because they did a proper investigation. Ive attached proof of removal from both bureaus below How could you verify account if 1. XXXX couldnt with the same 30 days you were provided 2. XXXX couldnt with the same 30 days provided 4. XXXX cant provide any legal signed documentation Requested documentation from all investigations but upon all verified investigations nothing verifying debt has ever been provided. Equifax stated in a cfpb complaint they were investigating said account but it was stopped per your website with out reason and not being investigated as stated. All documentation will be used to prove Defamation and Perjury!. 
Provided ample time to investigate under FCRA. Your Company continues to violate my consumer rights and section 609 611 612 616 and 617 of the FCRA. 
This is not a warning this is intent to sue for violation, and defamation. This will no longer be tolerated. Your company has 30 days to correct issue meaning provide documentation your company suppose to keep on file. Delete said accounts immediately or civil lawsuit.
Consumer complaint received 2019-01-30
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: Specialized Loan Servicing Holdings LLC (TN)

Notified my mortgage lender several times in XXXX that past payment history has not been updated since XX/XX/XXXX. Both XXXX and XXXX shows account is in " Good Standing '' but payment history does not show all payments made from XX/XX/XXXX to XX/XX/XXXX. Also shows 37 payments being late, which is incorrect. 

Lender agreed in XX/XX/XXXX by official letter attached to update my reports due to a mistake they had made on an agreed payment plan from XXXX thru XX/XX/XXXX.
Consumer complaint received 2019-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

This is insane. I already wrote this up and it went into the ether. I assume the XXXX Administration and XXXX XXXX in particular are trying to dissuade and hamper regular consumers from filing complaints against dishonest lenders. My lender, a company called XXXX XXXX a loan under a company called LoanCare. Misnomers all around. XXXX sold my loan to XXXX effective XX/XX/XXXX. I have paid on or before the due date since XX/XX/XXXX. I have phoned NUMEROUS times since my loan payment has not been credited, they say its in the system. I spoke to a loan representative on XX/XX/XXXX who told me that one of my payments had not be added to my account. And she assured me it was in the system and would be credited with in 5 days. So yesterday, I spoke to ANOTHER representative who said that XXXX had STILL NOT BEEN added to my balance. I told her that the rep I talked to on XX/XX/XXXX said it would be taken care of. ITS NOW 6 WEEKS  LATER. I know the XXXX administration has tried to wreck you. But normal consumers need you! Vote DEMOCRAT if you want to keep your frigging jobs! 

In the meantime, can you help with this company that has no rules, no regulation, and is trying to ruin my credit? I have PAID them, they have my money. I have NEVER been late on payment anytime, anywhere, or for any thing. EVER. 
I have spoke with the reps st XXXX ( aka LoanCare ) and they keep jerking me around. I have PAID them, I have it documented from my bank account. 
They are crooks. And i am TIRED of trying to call them. PLEASE HELP ME. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2020-02-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I Contacted the Credit Report Agency, to dispute, collection with XXXX, I explained I didn't get any service o bill from them, I started my services with XXXX in XX/XX/XXXX at XXXX XXXX XXXX, XXXX Pa XXXX, in XX/XX/XXXX I moved to XXXX XXXX XXXX XXXX, PA XXXX and immediately I moved my XXXX service to my new address, so I explained them, but they said the serves as verification, so I don't understand, how the made the investigation. I solicited any proof I get any service or bill from XXXX, but the never sent. Also the other Collection with XXXX, I never get any service or bill from them, I moved to Pennsylvania in XX/XX/XXXX, I called them asked what kind emergency and symptom was, and the report they only said XX/XX/XXXX, I try to contact them severe time. I contact the Credit Report Agency ( XXXX  and XXXX ) but, they still have those Collection on my record, is no fair the Agency make money selling my information, and don't make any effort to verified the Collection are right, so my history report with all my credit account ( open or closed ) are never late. So they need to be sure the Collection report are true