davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: U.S. BANCORP (CA)

In XXXX or XXXX of 2021 I tried to close all of my accounts ( checking, saving, line of credit ) with US Bank. I called and spoke to a representative who closed the saving and checking accounts and then told me I had {$50.00} I needed to pay off on the reserve line ( it had just been transferred that morning to cover an " overdraft '' charge in my checking account to cover another service charge of theirs- so I had no idea this had happened ), but since my accounts were closed now she could not take money from them to pay it off. She also told me that she could not take money from an outside account to pay it off but that I could do it through the outside accounts I had already linked to their website, online. I tried to do it while I was still on the phone with her to be sure and it wasn't working so she told me just to " try to reconnect them and try again, but that it would take a few days ''.

I kept trying to pay via my external bank accounts for weeks, to no avail. So I called and got passed around to 4 different people in 4 different departments who all assured me the next person would be able to help me. None of them could. This happened several more times during that first month and every month since, everyone gave me different information, no one could help me, and there was always a different department I needed to speak to, so US Bank continued adding interest to this account that was still open and no one could help me pay it. 
Once it passed 30 days since my trying to close it, I kept getting interest piled on to the account. I finally tried to go into a bank in person because I got tired of being passed around to different departments on the phone and via the chat, and ended up having to go to two different branches, neither of which could help me. The second one finally told me she could take my payment but at this point I would have to pay all of the interest to be able to close the account finally OR I could go to my third branch of the day and speak with them to see if they would wave the fee, but they probably wouldn't. She also told me this was my fault because I should have been paying attention. 
This bank is trying to squeeze everything they can out of me in fees when all I want to do is close my account, which they have made impossible. I have no problem paying the original amount of {$50.00} they transferred over without my knowledge, however, I am not paying the excessive interest they keep piling on me because no one knew how to help me close the line of credit account after the others had been closed.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX applications of RESPA statutes to all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to Transunion, XXXX and XXXX by XXXX, XXXX and XXXX XXXX. ( ref to complaint XXXX, missing primary documentation submitted through CFPB XXXX XX/XX/2022 )
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (WA)

Ever since SN Servicing took over my mortgage XXXX, I have received multiple letters asking for proof of homeowner 's insurance. As soon as I received the first letter, I reached out to my insurance agent to make the necessary change to the lien holder and send the updated documentation. Multiple times it was emailed, faxed and mailed by both myself and my insurance agent. This month ( XX/XX/XXXX ) there was an additional $ XXXX required on my XXXX escrow payment, which, according to my phone call with XXXX XXXXr on XXXX was for force placed insurance. This was a mistake. They are allegedly correcting this, so that my normal mortgage payment I already made can be applied. It is currently sitting in unapplied funds. I have dealt with this insurance issue for months now. I have email chains from XXXX XXXX ( SN Servicing account representative ) with all of this documented. The first emails start on XXXX. Per my insurance agent, " XXXX '' had already received the policy and resolved it. On XXXX, I received yet another letter threatening force place insurance if I did not send proof. I once again emailed and attached the insurance binder showing I had insurance. On XXXX I followed up asking if it had been resolved. Finally, he replied on XXXX. He stated that " XXXXN Servicing has receive your HOI policy. '' On XXXX I emailed again stating " When will the force placed insurance amount be refunded to my escrow account? I see my latest statement something like {$800.00} was deducted. Please advise ASAP. '' The same day, he replied with " The force place insurance charge was refunded to your escrow account on XX/XX/XXXX. '' I replied back with " Ok, so that will reflect on the XX/XX/XXXX statement? ". He then replied with " Yes ''. If possible, I can attach all the email chains, and I ask that SN Servicing review the recorded phone calls with XXXX. XXXX is one of the most argumentative, and rude people in customer service I have ever dealt with. He seriously lacks professionalism. Each time I have spoken to him, he argues, interrupts and offers unsolicited insights and analogies that I have no interest in hearing. He interrupts me multiple times while I am trying to speak. This is especially frustrating since I am only calling to try to resolve yet administrative mistake. I also think it is misleading to send mortgage statements that do not detail what the increase in escrow cost. In this case, it is force placed insurance. The statement does not state that at all.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with XXXX and XXXX beginning XX/XX/XXXX. I mailed out dispute letters XX/XX/XXXX concerning a XXXX card debt, XXXX card debt and XXXX bank debt. I mailed out letters via certified mail but never received a response back from either XXXX or Experian. I called both companies earlier this month to ask about these accounts that are not mine and they told me over the phone that the accounts had been verified by the creditors. So I asked Experian why didn't receive a returned signature receipt from my certified letter or even a response letter about the dispute? They told me that they sent the update to my email on my Experian account. I told them I don't have a Experian account and I specifically requested that my response be sent via mail to my home address anyways. They still refused to send it out. I also spoke with XXXX and they said that it was verified and they don't know why the dispute response letter hadn't been sent out yet and that they would send it out in 3-5 days. So on XX/XX/XXXX I sent out another certified mail dispute to both XXXX and Experian and stiill have not gotten a return receipt signature from either company. After 10 days of return receipt signature this should be deemed a no response from both of these bureaus. I didn't have these issues with XXXX as they complied and removed all fraudulent accounts off their report. XXXX and Experian are not in compliance with XXXX as I also stated in my dispute letters. Their failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with these bureaus for the purpose of filing a complaint with the FTC should they continue in non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), they may be liable for their willful non-compliance. I have phone recordings and receipts of each certified letter sent out and I am hoping to solve this issue before I have to take further legal action.
Consumer complaint received 2022-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (OH)

I have sent certified dispute letters & validation letters multiple times to both the company & credit bureaus to delete the inaccurate collections off of my credit report. I have inaccurate addresses, names, phones, & social security numbers. I was not properly verified, there was no proper validation, there is no contract with my name on it, I don't know where this collector has came from & I don't know what they are doing. They need to show me, they need to prove beyond shadow of doubt, that they have proof. Document, signature, digital signature, a voice recording. 
What do they have? Do they any have any of these things? I want this collection to be removed with prejudice immediately.
Consumer complaint received 2016-03-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

Chase claimed they sent me a letter in mail regard to my account on XXXX XXXX to the fact they need more time to inspect what happened, and XXXX XXXX is today and no letter in mail has been received. How long til I hear from someone? This case is very serious matter due to their neglecting my case for a long time already that 's past due when I have support evidence of these actions not done by me.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS AND ACCOUNTS THAT DONT THAT BELONG TO ME.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

XXXX transferred my mortgage to XXXX XXXX Loan Care LLC XX/XX/XXXX. The home had been included in a Bankruptcy and not reaffirmed in XXXX. Unbeknownst to me they began placing lates on my credit which they are not to report to the bureaus as I was under Bankruptcy protection and no one can show me where I was late that month and I believe the payment had gone to XXXX who should have transferred it to loan care. I have tried to call numerous times to the company and I am told something different each time. They are saying my XX/XX/XXXX payment wasnt made till XX/XX/XXXX which is not true. XXXX was paid to XXXX and Loan care is not giving the credit for it. They also sent my XX/XX/XXXX statement to the wrong address which when I called they stated they don't even have a record of that address. I want my mortgage history fixed and them to find the payment that was sent in XX/XX/XXXX prior to the change of servicing letter that was paid to XXXX and credit my account and remove all the late payments markings on my credit report. Please find all the attached documentation.
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (GA)

This is my SBA loan thats was granted to me with interest.I was told by the SBA agent I can use PayPal not knowing you guys was going to lock my account I cant afford for PayPal to hold my funds for a XXXX days this is a loan and Im responsible for this loan paying it back so please see that I really need my money so I can continue to keep my business up in running I will call my county commissioner/ attorney general office in every district to help me resolve this issue I did nothing wrong. PayPal Reference ID : XXXX
Consumer complaint received 2019-08-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (MN)

Amid several complaints to the U.S. Department of Education Federal Student Aid in XXXX, XXXX and XXXX about its Loan Servicer abusive and malicious tactics in the handling and discharge of my loan about XXXX and XXXX XXXX, an new Servicer " Nelnet '' after 7 years has taken my XXXX tax refund ( {$63.00} ) without cause. I received no notice from the U.S. Department of Education about this. The IRS finally mailed a letter claiming to be responsible for this offset and for me to cal Nelnet in XXXX, XXXX. When I called they were not friendly but picked-up the XXXX from year XXXX. 
I submitted a Doctors Statement ( section 4 ) for loan discharge - XXXX  and XXXX XXXX XX/XX/XXXX and I was lead that this loan was discharged then. Now I keep getting excuses from Nelnet saying! ) It was illegible 2 ) the discharge form was incomplete? So now they are making me do the form all-over again after 7 years, This is Malicious and XXXX! Now that I filed an intent With Nelnet for XXXX discharge XX/XX/XXXX & I have 120 days to submit these forms. Netnet is saying they will Not honor my paperwork and will not honor the 120 day grace period and will continue to take my tax returns. This us unlawfully and XXXX mistreatment and I demand it to stop! I also demand the return & refund of my {$63.00}. tax return that was taken. It was unfair because I am below the poverty level and have an inability to repay, I have No income.
Consumer complaint received 2023-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

Back in XXXX and XXXX requested loan assistance. Never received a call from anyone at Fay Servicing. I tried on Countless times to get a hold of someone at Fay Servicing and no answer and Also HOPE hotline called Fay Servicing with me on the line and still received no answer on possible loan repayment assistance. 

XX/XX/XXXX, I ended up paying ALL my delinquent payments with help of family members. I paid the amount requested on reinstatement letter from Fay Servicing. I thought everything was okay. Since reinstalment I have been making every single payment on time. Fay Servicing marked me late, my credit was severely affected, and this is how i found out about possible late. Per Fay customer service rep. she they might have done their calculations wrong. 
I NEVER received any type of notice letting me know of possible late payments. 
I have called and been on hold for 1-2 hrs. each time and no one can give me a clear answer. I have asked to speak to supervisor and no answer. Every time i call they are confused on what is going on with my loan I have left multiple messages to a supervisor and still no answer. 

I have record of making mortgage payments for several months in XXXX ( I had to apply for XXXX to keep my home, no longer in XXXX ) and Fay Servicing did take payments however it's not counting these payments. 

Fay Servicing is extremely difficult to get a hold of and they give you NO answers. They keep " saying it is what it is, this is what is in our system '' They keep taking my payment however Fay Servicing continues to take my money and is not properly applying to my loan. 
I need help please. Very deceptive and continue to not give me answers of where the money is going and being wrongly marked late.
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NV)

I am writing because I am totally disgusted with loanDepot and all of its employees. 
I will NEVER EVER do business with you because you are all a bunch of incompetents XXXX XXXX! 

First, I spoke to XXXX XXXX who told me that there was no way he could make a loan offer that would make economic sense. Rather than drop it he sent me an application and disclosures for a loan. 
The Loan included Points in the amount of {$4200.00} and closing costs in the amount of {$3400.00}. The net monthly savings would have been {$22.00} per month. That is to say, it would take 28.88 years to recover the added costs of {$7600.00}. My current loan will be paid off then. Since the new loan was a 30-year loan I would have the distinct pleasure of paying an additional year so there would be an additional 13 payments in the amount of {$700.00} after my break even point. The new loan providing I paid to maturity would therefor cost an additional {$9100.00} providing I lived until I was XXXX. 

Why on Gods green earth would anybody refinance their loan when the new loan would take longer to pay and result in additional COSTS. The only reason is to benefit loanDepot and XXXX XXXX. I spoke to the Customer Retention Department and told them I was completely dissatisfied and reflected so in my evaluation. I suggested that the Loan Officer should be terminated. She agreed with me but did not have the authority to end his employment. 

I took one more call from an executive. He said he would close the file, put me on the do not call list and mark the file Insufficient tangible net benefit. I just got a letter indicating Credit application incomplete. A total cover up and complete XXXX XXXX. He too should be terminated.
Consumer complaint received 2022-09-26
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. (CA)

I HAVE DISPUTED THIS FRADULENT ACCOUNT AND STILL THIS COMPANY HAS NOT REMOVED THIS FROM MY CREDIT REPORT. 
ON XX/XX/XXXX I RECIEVED A LETTER FROM TRANSUNION STATING THAT THE INQUIRY WAS REMOVED FOR THIS NEGATIVE ACCOUNT BUT THE ACCOUNT ITSELF IS STILL SHOWING UP. I HAVE ABSOLUTELY NO KNOWLEGE OF THE ACCOUNT LISTED. I HAVE ALSO ATTACHED A COPY OF MY POLICE REPORT. 

XXXX XXXX Balance {$3600.00} Balance Updated XX/XX/XXXX Credit limit {$3000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary No payments have been reported on this account. 
Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$3600.00} Highest balance {$3600.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Dispute resolved reported by grantor Your statement- THIS COMPANY HAS REMOVED AN INQUIRY IN REGARD TO THIS ACCCOUNT BUT DID NOT REMOVE THE FRUADLENT ACCOUNT WHICH I HAVE A COPY OF ALSO ON FILE
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a validation letter to XXXX, Equifax, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and Equifax it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act
Consumer complaint received 2022-01-24
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: Experian Information Solutions Inc. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.