davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2022 I signed a contract with publishinglife.com to produce a book I authored with the assistance of their staff. The cost is {$2000.00} with an offer to make payments XXXX months later through XXXX. On XX/XX/2022 I made a request to cancel my enrollment because I as understood the offer payments would begin XXXX months later. The offer was not honored, I was billed within the first week of enrollment. Also, I learned that XXXX would require additional fees for coaching, marketing, publishing, etc. after watching modules to start the course. The information that additional fees would be required was not disclosed at the time of enrollment. From XX/XX/2022 until the end of XXXX, 2022 I continuity disputed being charged payments to pay the $ XXXX on a monthly basis to Synchrony Bank/PayPal . The only source of communication was with Synchrony Bank, publishinglife.com could only be reached by email. XXXX with Synchrony Bank ceased in XXXX because I was told their position sided with publishinglife.com who is the client. XXXX wrote an email stating their policy for cancellations was either within XXXX hours of enrollment or 6 months after. I was told I did not qualify for cancellation at the 6 month period. Synchrony Bank continues to call my cell phone daily, weekends included and send bills requesting payment.
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CA)

CFPB, In XXXX 2012, I sold a property located in XXXX, CA that had a loan serviced by XXXX. It was listed at {$100000.00}, which would have resulted in a short sale. Fortunately, I was able to get the property into contract and sell for significantly more, thus avoiding a short sale. However, Seterus is reporting this as a short sale, which is damaging my credit. 
I have tried working with Seterus and the credit bureaus to get this corrected, but thus far, have been unsuccessful and that is why I am now asking for your help. 
The property sold on XXXX/XXXX/12 for {$120000.00}. A logical person would ask, " How the heck did they come up with that unusual sales price? '' This was the exact amount needed to fully satisfy Seterus ' payoff demand so there would be no short sale and I would n't walk from close with any cash. Seterus ' payoff demand was {$110000.00}. My principal balance was {$110000.00}. Seterus was paid their full payoff demand which was significantly more than my principal balance and yet, they are reporting this as a short sale. I am trying to refi my home and this is negatively impacting my ability to do so. 
I have reached out to Seterus and the credit bureaus several times ( I am attaching my most recent request ) to get this fixed but Seterus has refused to change their reporting and I have never received an explanation of how they consider this a short sale when clearly, they received a full principal pay off plus expenses. 
I believe the problem is that the sale started with their short sale department and we were told it had to be closed by the short sale department ( even though at the final sales price it was n't a short sale ). But once it started with the short sale dept and was closed by them, it automatically just got classified in their system as a short sale. And no one at Seterus seems interested or cares that this erroneous reporting is very damaging to my credit and ability to refinance my house. It seems pretty cut and dried, but all I get in trying to talk with Seterus is a fax # to which I have submitted my complaint, but it seems to just disappear into a XXXX hole. 
I appreciate your assistance in helping resolve this very frustrating situation.
Consumer complaint received 2021-05-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have contacted Equifax since XX/XX/2021 begging to remove dispute remarks because Im trying to buy a house. I should have a had a full approval by now this is XXXX ..the house will be finished in XXXX and every time I call they put the items back in reinvestigation theyll hang up or put me back in Q. Very rude you have to keep repeating yourself and at this point Im thinking its deliberately being done. Please HELP! Im just not understanding why are they refusing to help me one account has never been late the other account is a negative account Please someone please help ...
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have disputed this information XXXX times. 
1.Hospital Bill ( not mine ) 2.XXXX ( I sent them the letter I received from the creditor to remove the information ) 3.XXXX ( I sent them the letter I received from the creditor to remove the information ) I receive a notification saying they have verified the information after a couple of days and refuse to delete this off my report.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MI)

XXXX XXXX and the Michigan XXXX XXXX XXXX my Federal tax refund in the amount of {$2700.00} on XXXX XXXX, 2015, however I paid by loan in full with penalty and interest On XXXX XXXX 2015. The overage was not reflected on my credit report, not has the full amount been returned. I requesting the following : because it is a reported error, that all references of XXXX XXXX and Michigan XXXX XXXX be removed from my Credit report in conjunction to applicable FCRA. I submitted documentation to Equifax regarding this matter On XXXX XXXX 2015, there response that was this information was verified, However by reason of the facts and circumstances supported by the documentation submitted all references to Michigan XXXX XXXX should of been removed from my consumer report.
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I was co-borrower on XXXX mortgage. 
1. Loan was charged off after only being 61 days late 1 time. never missed payment before or since. 
2. paying back same mortgage co after c/o kept paying never knowing of charge off until we ran credit report. 
3. Real issue here is how unfair it is that mortgage co can report it as co then show every month as being late when i am in fact paying them every month as agreement. This kills my payment history. My payment history was reporting 100 % up to the point i started disputing a couple of things. i assume this is legal reporting however it is double kick XXXX. I understand as long as i have a balance they can show i missed the monthly payment??? but my agreed upon payments go unreported!!!! 

4. During tough time i also owed state of Ga XXXX that i called and told them to keep my return which it took 2 years of returns to satisfy the debt. I found out after credit report i had a tax lien on property i did not even own ( irrelevant ). i paid the debt in full. The federal IRS has a fair act forgiveness program that will allow you get it removed from you credit report however states do not. I have written all XXXX credit bureaus requesting removal and only XXXX removed. XXXX and Equifax basically said go pound sand. If they have ever removed one for any other person just by a written request then this is unjust and unfair. I am attaching a paid in full letter. i worked very hard and paid off all old debt in hope of improving my score. I got it to XXXX and then without changing a single thing filed a few disputes then got punched in the gut by it dropping over XXXX points. inflating your credit score due to buying their advertised products is unfair but i am forced to do it. you are welcome to check my past and current credit history and you will find perfection for 15 or the last 16 yrs and atonement for that 1 yr however due to unfair practices i look like a bum.
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I made a payment of XXXX to XXXX on XX/XX/2015 and Equifax says that they are saying that I still owe a full balance so thy cant remover the collection from my credit report when I had settled the collection in full on XX/XX/2015 therefore I still is showing a collection on my credit report
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I saw XXXX on my credit for an apartment. I never had an account nor have I ever lived in that apartment. I disputed it with Equifax and sent a copy of my FTC FRAUD AFFIDAVIT. I am a victim of identity theft. Equifax sent me the results that did not mention XXXX. EQUIFAX is continuing to report this fraudulent account on my credit
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I have been reviewing my credit report closely because I am looking into buying a house. 
But the statement of " Serious delinquency '' continues to come up on my report. 
I have not had any Serious delinquencies in over 10 years, Why is it still on my report?
Consumer complaint received 2016-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MN)

I have challenges with receiving a response or appropriate action from FedLoan Servicing every time I submit a request. I submitted my XXXX XXXX XXXX XXXX application three separate times. Only once did I receive a denial and guidance on what I need to change. I called yesterday for my application submitted on XXXX. The staff stated my application was denied again because my employer did not initial the box. The staff reported they called my employer and did not receive a response. However, there are no directions which state the box needs to be initialed. XXXX at my employer reported that she did not receive a call and is great at responding to all requests she receives. FedLoan Servicing did not inform me of any of this. I do not understand how to have FedLoan Servicing process my application and give me credit towards the forgiveness program. I have been working on this for over six months. I need to apply to have my employer cover my loans and I am nervous I will lose that benefit if my servicer can not provide the appropriate documentation as it took over two months for them to respond to my request and several calls.
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Cheek Law Offices, LLC (OH)

XXXX XXXX sued me to collect a debet and I just receveived notice today, XXXX XXXX, 2016. I have been trying to pay them for over 3 years, but they wo n't accept any payment terms accept payment in full or {$700.00} a month which I can not afford. I was paying on the account continuously until I lost my job at which time, I was paying, but below the monthly minium. They sent me to collections despite the fact I was actually making payments. When I ceased making payments due to lack of employment, they would not work with me to set up agreeable payment arrangements. They even shut off my online access so I could n't make any payments. How can I pay if you wo n't let me pay? Ridiculous. I then put the account in a debt management plan, which the ignored and still sued me. I was not made aware of this was happening. Every attempt I have made to pay they have ignored and/or said it was not enough. Seems to me something is better than nothing. Then to sue me without me being notified is disgusting. XXXX XXXX is a terrible company that is perfectly happy with ruining your character and credit. They wo n't work with you at all. Everyone warned me about getting a credit card from them.
Consumer complaint received 2016-09-28
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

I began getting collection phone calls in XXXX 2016 on behalf of Ace Cash Express in which the collector would leave personal information such as bank info, ssn, etc on the voicemail. They also called references leaving voicemails with personal information and providing the references with personal information if they answered and disclosed that it was a debt. They also threatened that I would be arrested and that action should be taken now then the calls stopped. I began receiving calls again in XXXX 2016. The collection agent disclosed full name full social full routing and account number and full address without insuring that I was the correct consumer and before disclosing what the call was inregard to. After she provided all of my personal information she then decided to inform me that the call was in regards to Ace Cash Express.
Consumer complaint received 2016-12-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (NC)

At first we were thinking of refinancing our home, but then read about this other option of recasting ( or re-amortizing ) the existing loan with US Bank. The process was straightforward ; we just needed to pay at least 10 percent of the existing loan plus a {$250.00} fee and the bank would reamortize the loan with lower monthly payments. I called the bank to make sure of this and was given an estimated new monthly mortgage payment of approximately {$550.00} per month less that we pay now. We sent the money with the notarized form plus the {$250.00} fee, and I noticed online that the balance of the loan had dropped as expected, but I had received no information as to the new monthly payment amount. I sent a request to the bank through their online messaging system, but received no reply after several days, so I followed up with two more requests. Still nothing. I finally called them last Saturday, to speak to their customer representative, and he told me two strange things ( 1 ) my escrow account was deficient $ XXXX dollars, ( 2 ) and then he read me my new re-amortized payment amount which was XXXX dollars per month lower. My calculations showed this new amount should be approximately {$550.00} lower, which was the reason I embarked on the recast process in the first place. Also I have received nothing in writing ever on this escrow shortfall. I am very worried.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: U.S. BANCORP (KY)

My son and I are trying to purchase a home in XXXX, XXXX through US Bank. 
OUTSTANDING JUDGMENT During the loan approval process I was informed of an outstanding judgment of {$1500.00} by XXXX ( initiated on XX/XX/XXXX ) in Maryland. I provided a copy of the check ( XXXX ) in the amount of {$3100.00} and the XXXX certified receipt showing receipt of the check by XXXX on XX/XX/XXXX. The total amount included both mine and my ex-husband 's share total payment. My ex-husband refused to pay his share of the judgment, so I paid the entire amount. However, my portion of the judgment was not credited and the lien remains. I conjecture one of two things happened : ( 1 ) XXXX never notified the State of MD of the payment or ( 2 ) The State of Maryland did not process my share of the payment to the claim against me. The loan is being denied until I can resolve the matter. I have contacted the Circuit Court of Maryland for XXXX and the State Ombudsman, but have had no response. 
REQUEST FOR FINANCIAL INFORMATION ON EX-HUSBAND During the course of the application process, US Bank ( the loan originator ) has requested addition information about me and my financial situation. The last request required me to provide information on my ex-husband 's current financial situation. I have no information on his truck loan at XXXX, his credit card purchases, his personal loans, etc. The divorce was final on XX/XX/XXXX, property was divided, and neither I nor my ex-husband were responsible for each other 's debts or had access to each other 's assets. 
I fail to see the need for this information. My ex-husband is not involved in the home purchase ; the co-owner of the property is my son. My ex-husband has not provided funds for the earnest money, inspection, or any associated fees. He will not be responsible for the down payment, taxes, insurance, or monthly payments on the property. He will not be responsible for property maintenance. 
I see this requirement for financial information on my ex-husband as either obstruction to prevent loan closure or harassment. I increasingly believe my age ( I am XXXX years old ) is behind a large part of this nonsense. My only other understanding of this latter request is incompetence on the part of the credit agency employed by US Bank.
Consumer complaint received 2015-11-24
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (AZ)

I currently bank with XXXX XXXX XXXX ( which is an online bank ). I wanted to cash a XXXX XXXX money order ( NOTE : This was a MONEY ORDER - NOT a check ) and yet USBank would not cash it for me because I did not have an account with them! I then took the money order to XXXX XXXX and had them tell me the same thing, " we can not cash a XXXX XXXX money order ''. Even after I explained to them that a Money Order is as good as cash, as it has to be purchased WITH CASH! What on earth is happening in our society when we can not go into a banking institution and have a MONEY ORDER cashed without having to be a depositor of that banking institution! This is highly unacceptable and absurd! I demand to know why I should be discriminated against simply because I do not bank with these XXXX banking institutions! And, because I do most of my banking online, my online bank allows me to make deposits through the US Bank ATM, however, I found out that they will hold these funds for up to 24 to 48 hours before making them available to me, which is highly inconvenient! And the reason that I no longer bank with USBank and XXXX XXXX is because I was getting " fee 'd '' to death if I did not keep a 'minimum ' balance in my savings accounts. I am tired of being held between a rock and a hard place by the banking institutions! I should not be required to have a bank account in order to get a MONEY ORDER cashed, as this is absurdly ridiculous!
Consumer complaint received 2016-05-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IL)

On Date XXXX/XXXX/2016 their was a withdrawals in the amount {$890.00} from my account this withdrawal was a fraud. their was maintenance fee and overdraft and extended overdraft and withdrawal I did n't make. this have ben going on for the history of my account. 
debit and overdraft fee someone in this bank is fraud and take money from my account. 
I would like to know how can be.
Consumer complaint received 2016-02-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (OR)

During my XXXX year of college ( about 2013 ) I traveled XXXX. I let my bank ( U.S. Bank ) know that I would be switching to XXXX XXXX XXXX for the time being, because they have a great relationship with XXXX XXXX Bank and it would be easier for me to use my money through them. And assured them I would switch back to their service once I returned XXXX. 

I kept a small amount of money inside my U.S. Bank account ( as advised by XXXX the bankers when I told them I was traveling XXXX ). They did not warn me to freeze my account or to make sure that I do n't have any reoccurring charges. I understand these are things I should have checked for myself, but I was too busy worrying that everything was set up for my trip XXXX. 

Once XXXX I got a reoccurring charge ( a small XXXX around $ XXXX {$25.00} ) that put me just barely in the red and overdraft. But because I was in XXXX where they did not allow XXXX or XXXX, and any mail warning would be sent to my sister 's address which had no way of contacting me, I was left not knowing about this for months. And even if I found out, the program I was in did not allow me to speak any XXXX. Once I got back from XXXX the fees had stacked on top of each other until it had reached hundreds of dollars for a simple ~ {$15.00} charge. I decided to ignore it because between college and XXXX I had absolutely no money to pay for it, and did not think I had any action I could take against such a big bank. 

A couple of months ago I contacted the branch where I opened up my account and told them I was trying to get a handle on all of my debt. And that I was willing to pay it off, if they could at least be willing to work with me. The manager looked up my account, and although he acknowledged it started with such a low fee he reminded me that the event transpired such a long time ago that he was n't required to do anything. 

Just a couple of days ago I got a piece of mail from XXXX saying " Good News! We have contacted our client, U.S. Bank, and they have agreed to accept a substantially lower amount to settle the above referenced account in full ''. Saying that they will accept a one time payment of {$310.00} instead of the {$690.00} that I owe them, for a charge that started off as low as {$20.00}.
Consumer complaint received 2016-06-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (TX)

By mistake I made a payment to a closed credit card account. The closed account is U.S. Bank account number XXXX XXXX XXXX XXXX. The overpayment was for {$400.00}. U.S. Bank will not refund the overpayment and I have asked 5 times on the phone and twice via a letter. Three ( 3 ) months and no money.
Consumer complaint received 2017-03-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (WI)

Used a US bank ATM several years ago, system allegedly detected that I made XXXX cash deposit transaction, only made XXXX deposit. Next day fraud alert on the us bank account, stated that I owed them funds. Opened up an investigation, ATM was no longer available. Investigation was closed out. US bank system sent a letter two days later stating I was in XXXX. Went to US bank they advised me of the negative balance ( that very same day ) told me that no check system error came up on there system. I have the letter from a bank representative that states I do not owe any balance or funds to us bank. XXXX still shows that I owe financial institution us bank. I have been unable to open up accounts and other financial services because of this issue.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I have not received a final response, and it 's has been months since I mailed the attachment dispute and demand. My attachment provides detail information and the law violated by the credit reporting agency. In fact, I have complained to XXXX and XXXX are all practising the same scheme of reporting the same false information and I have complained to them as well. I have also learned that this practice of update consumers report with on time payment to avoid deletion of accounts is being done to my daughter XXXX and my Friend XXXX. I am of the belief this scheme is being done to thousands of consumers.