davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (WA)

Im XXXX years old high school student. I have Checking account with US bank. 
In end of XXXX I started to work in XXXX. My employer asked me to fill the form for direct deposit that required routing number and the bank account information. I brought an empty check on the next day, the check was in my wallet so I can provide this information. Unfortunately on that day I lost my wallet at my employer location. I contacted my bank to cancel my credit and debit cards. But in few days I learned that person by name XXXX XXXX used my check with fake signature to withdraw money from my checking account. The money was wiz drawn in different bank at XXXX XXXX location. The check was in amount of XXXX dollars. I filed police report by XXXX County Sheriff Office and filed fraud case number XXXX with US Bank. After 3 months of waiting I received the following response : US Bank has completed the investigation of claimed fraud on the above account. We regret to inform you that it has been denied for the following reasons 1. Customer Negligence Contributing to Alteration or Forgery 2. Customer Liability under " Security '' section of the Deposit Account Agreement I think in this specific case bank also was negligence as the money was distributed based on faked signature, clearly different from my own. In addition bank does n't provide any instrumentation to limit amount that can be withdrawn by the check or capability to disallow over draft. Based on that I do think that I entitled in complete money refund. The XXXX dollars that I lost on my account is a significant amount of money in my current situation. 
Thank you XXXX XXXX
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (OH)

I emailed XXXX a hardship letter on XXXX/XXXX/XXXX. Received an email from XXXX XXXX, XXXX on XXXX/XXXX/XXXX stating that she would be my contact person. I told her that I was interested in the XXXX program ( Deed in Lieu ). I sent my signed Hardship affidavit on XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX I started working with XXXX XXXX - Deed in Lieu Negotiator. On XXXX/XXXX/XXXX XXXX XXXX told me that my loan was sold and I had to contact Caliber Home Loan from now on. I thought that was strange because we were about finish with my Deed in Lieu. On XXXX/XXXX/XXXX I received an agreement to sign and return. In this agreement I was told to vacate the property by XXXX/XXXX/XXXX. 
I do n't understand how XXXX can sell my loan in the middle of me doing a Deed In Lieu with them. Now I have to start the whole process over. 
CitiMortgage title attorney have been looking for liens and judgments since the end of XXXX. On yesterday Caliber Home Loan called to tell me that there was XXXX liens or judgments against my property. A XXXX XXXX tax judgment for {$130.00} and XXXX from when I refinanced in XXXX XXXX Mortgage did n't do a release of mortgage. I was told that I had to contact them to clear everything up. When contacted XXXX. They said that they did n't have any judgments on me. I did n't think so because I receive a refund every year. The XXXX Mortgage is XXXX of my previous mortgage company 's but I do n't understand how I 'm suppose to do a release of mortgage. 
I really think that they are trying to stall my deed in lieu process to avoid granting me the relocation fee of {$10000.00} as stated in my signed XXXX agreement. I moved out in XXXX like I was told to do. I did everything I was told to do. I need the relocation incentive payment to pay for overdue utility bills on the property and moving expenses. Now they are asking me to pay rent at my new location and mortgage at the old location. I cant afford all of these expenses. 
Any help in this matter would be appreciated.
Consumer complaint received 2016-06-23
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: AMERICAN HONDA FINANCE CORP (CO)

Honda Financial calls us five times per day every day seven days per week, after we have told them the payment has been mailed and we are just waiting for their processing. For example, we sent them a payment six days ago and it still is n't processed When we ask them for payment information about the status of the accounts they refuse to give that information and hang up the phone. We can talk with them and let them know when we are mailing the next payment and five minutes later they call again, with no knowledge of the previous conversation. They are impossible to work with. But all they do is inundate us with harassing phone calls day and night. We have sent complaint correspondence to Honda Financial expressing the problems but they refuse to respond and continue the above harassing phone tactics. They do n't even know which of our XXXX accts they are calling us about. In addition, they continually to send threatening msgs without regard to payments mailed to them, and other circumstances of these accounts,
Consumer complaint received 2016-12-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Rodenburg LLP (MT)

All I have received or heard from this collector was when a default Judgment was filed on me. I had not receive the judgement summons nor any other contact with this group before hand. Just a copy of the order granting Judgement and default judgement, Certificate of Service, and Notice of Entry of Judgement
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AL)

Iam filing this complaint becuse Experian has ignored my request to provided me with the documents that their company has on files that was used to verify the accounts i disputed.Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. 'that i have disputed.Please resolve this manner as soon as possible.Thank you.
Consumer complaint received 2024-10-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

XX/XX/year> FAIR COLLECTION AND OUTSOURCING they say I owe XXXX I am not liable for this debt and I requested the original contract with my signature they failed to do so I had it removed but they continued to keep putting it back violating my rights under law 15 usc 1692c ( c ) clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication
Consumer complaint received 2016-12-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (LA)

This is my 3rd and hopefully my last Complaint. 
If OCWEN really wanted to help me, they would give me the time to get to a closing and not put the property on foreclosure sale only days prior to me concluding a deal and going to closing. 
Every time I get to a point of potential closing, I am thrown under the bus and put back for foreclosure. Now XXXX/XXXX/XXXX - 4 days before XXXX. 
I can not close by XXXX/XXXX/XXXX because in qualifying for a Reverse Mortgage I had to get married, Correct my credit, pay back Taxes and Provide additional income to prove I could pay for Taxes & insurance on or before time so as not to cause another foreclosure. 
I have sufficiently done so, but my Partner of 25+ years works as an XXXX jobs had to submit XXXX & XXXX Taxes although no Taxes were due because actual income was below Taxable amount for XXXX & XXXX.
Consumer complaint received 2016-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (IN)

I have told them I would pay them online and they have locked that paying option and are making me call them to resolve this account in which I am not commfortable especially with the first gentleman who called me on XXXX Friday trying to resolve a {$1500.00} debt and not giving a XXXX about anyones ( XXXX XXXX ) expenses. I tell him then I tried to settle the account in a loan and didnt recieve the settlement letter so never got the loan. Calls me Monday, same guy. I said you really think my situation has changed? It was not pleasant. Then they keep calling me today and I am continuing to block their numbers until they unlock the account option to pay online and I will take care of it then. That is my hope in submitting this is to get them to unlock the online pay option and I will make arrangements to resolve the account online within 30 days. 

Thank you.
Consumer complaint received 2016-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

I have XXXX sent via USPS certified mail requests to verify this debt and the company has not responded with any information to verify it. I had no dealings with this company they are trying to collect for. They also have refused to show proof licensing in my state, proof they own the debt, any detailed information on what the money is for, or how they come up with their calculations, copies of signatures showing I purchased any item, any payment history on alleged debt. They first replied they did not understand what I was asking for. After the XXXX certified letter, they said I did not submit sufficient information to investigate my dispute. This collection agency is the one who has come after me, left bad credit reporting, and for a company I never have done business with - the collection agency should have information to see what this debt is for, after all I do not have any further information, as I had no dealings with the original creditor.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2016-12-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (PA)

I am writing this letter to address a series of student loans bills that I 've incorrectly received as a result of a misunderstanding with Sallie Mae regarding my enrollment status at XXXX University. It is my hope that upon reviewing my testimony that you will be able to help me in resolving this problem. 
My current predicament is the result of an unknown error which occurred during my XX/XX/XXXX semester. I attended classes with XXXX and received grades all throughout the semester. It was only brought to my attention just after the semester had ended, while preparing for my XX/XX/XXXX semester, that the university had no record of my attendance during the XX/XX/XXXX. Evidently, in XX/XX/XXXX when I had applied for a loan for the XX/XX/XXXX semester, Sallie Mae had never transferred the funds to XXXX University, and consequently the university did not recognize my attendance during that time. Despite the appeals from my professors, the university deemed that they had no record of my enrollment after XX/XX/XXXX, resulting in XXXX and Sallie Mae proceeding to begin billing me for student loan payments under the assumption that I had withdrawn from school. In XX/XX/XXXX, upon learning of the full extent of this clerical error, I was unable to pay the XX/XX/XXXX bill and was forced to cancel the semester. At this time, I was completely locked out of the university 's system until the bill was paid or semester was canceled, and was therefore unable to register classes in time to meet the XX/XX/XXXX start date. After making a complete assessment of my standing with the university through many meetings, I immediately re-enrolled as soon as I was granted access with XXXX to resume classes in the XX/XX/XXXX and have remained a XXXX ever since. 
I have attempted to rectify this situation with Sallie Mae and XXXX through repeated written correspondence and phone calls and have even made multiple deferred payments. These efforts were successful with XXXX, as they recognized the error and cleared things up swiftly. Sallie Mae, on the other hand, has ignored my requests to resolve this and has instead incorrectly charged off the two loans mentioned above to a of debt collection agency. 
Additionally, this situation has negatively impacted both my credit history and my father 's who is a co-signer on the loans. 
It is my understanding that student loan bills would cease at this time until after my graduation given that I am XXXX at XXXX University, and have been since the XX/XX/XXXX. It is my hope that upon reviewing my testimony you will be able to help me in resolving this problem so that I do not continue to be wrongfully billed for these loans. Thank you.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time.
Consumer complaint received 2016-12-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Some years ago ( approximately 2010 ) I opened what I considered to be a Line of Credit with variable rate through Citibank. Citibank, according to my monthly statements, terms this as a " Variable Rate Equity Source Account ''. Total amount that I requested was for {$140000.00} of which I used {$100000.00} or so. What I do not understand is that no matter that the interest rate varies, and I have made two payments totaling {$2000.00} strictly towards principal my principal balance hardly decreases. Even when I paid down the principal the bank still went ahead and based their following month 's interest accrual on the total prior to the principal payment. The interest rate never varies in total ; each month at least for this year it is averaging at 5.30 %. So my total monthly payment which includes principal and interest never changes much from approximately {$450.00} give or take a few dollars. 
I have gone into the bank to ask why this is, and the rep. told me that while the interest rate is variable it 's still based on prime + spread. I find this to be very deceiving as I do not understand why I have to be charged extra ( spread ). 
It is exceedingly difficult for me to understand if I entered into a contract understanding that I will be charged a variable rate that I am in reality paying what amounts to be a fixed rate. Again as I mentioned above my average monthly statement is for {$450.00} give or take a few dollars. This is not right in my opinion. 
Also I have to complain about Citibank 's procedure for paying down on my principal. I feel they make it very difficult for a customer to do so as I was told that I needed to mail a check stating it 's for principal with the excuse that only the particular department it goes to can handle the transaction. I was told that it was impossible to even make an online payment towards principal. I can not understand why in the internet age this is not possible ... or to have a bank clerk process the transaction! What I feel is Citibank knows a snail mailed check will most likely not reach them in time for the principal balance to be decreased thereby allowing them legal right to charge interest based on a higher principal balance. It is, to me, basically ripping off customers.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I am a long time ( about 10 years ) mortgage customer with Wells Fargo. All of my mortgage payments were paid on time for more than the required amount. I moved to another state within the last couple of months. During the movement time a payment was missed for my mortgage. When I received notice from Wells Fargo, that is was late, it was already beyond the 30 days. So they reported me to the credit agencies. I paid it as soon as I received the notice. I also paid the late charge. Wells Fargo is refusing to consider removing the mark on my credit for this XXXX and only late payment. What makes it worse, is that it drops my credit score by XXXX points. Now making me not eligible for a mortgage loan. I would not think even Wells Fargo would intent to cause this much harm on my credit for XXXX late payment. 
The house is being sold this month. But I ca n't buy another house because of XXXX late payment. Please help!
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Please, be advised that Navy Credit Union bak, withdrew a money from my checking account to cover a charged off credit card, where we had not such a an agreement when I went to your local branch in XXXX XXXX. Bank teller, specifically, said that I can not tranfer money from on line banking to cover credit card payment, instead I have to go in the branch and make a payment. I do n't know how bank collection department got a liberty to transfered money without my consent, beacuse of that my check returned to merchandise for insufficent fund and also got charge a {$35.00} fee on top of bank a fee of XXXX . 
It was not a specefic date that I had to make a payment in the branch '' just once a month. A nay federal bank should refuded me a XXXX $ fee plus a XXXX $ that charged by merchandise, the totale of XXXX $ should be credit it back into my checking accoun.
Consumer complaint received 2016-12-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Sokaogon Finance, Inc. (HI)

Due to an unauthorized entity gaining my checking account information I advised White Pine Lending that I neede to revoke my previously granted authorization to present ACH debits to my bank. White Pine accepted my revocation and advised me that I had til XX/XX/XXXX to come up with a new payment method. On or about XX/XX/XXXX White Pine declared my loan in default ( mind you the payment was due on XX/XX/2016 ) and has begun to email me multiple times and also calling me multiple times. Additionally I asked the entity to not contact me at work but they have attempted to contact me at work.
Consumer complaint received 2016-12-02
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I applied for credit solely and when they asked for my tax returns they came back stating the only way they would make the loan to me was that my husband would have to be on it. They stated that as we file jointly they require this. I explained to them I am allowed per federal law to obtain credit solely. All income but $ XXXX is mine. 

I requested that the XXXX Manager call me and received no call. 

They are in violation of federal law for requiring my spouse to be on the loan.
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I have repeatedly requested removal of the private mortgage insurance from my home mortgage with Pennymac. They sent me written requirements allowing me to remove PMI based on current property values. However, when requested they refuse to even evaluate this request because I have not paid down 30 % of the original purchase price of my home, despite the home value having dramatically increased. They claim such requirements are XXXX guidelines and they are not allowed to even order an appraisal until I have paid 30 % down of the original purchase price.. I looked at fannie mae 's website under the servicing guide in regards to " Borrower Initiated Termination of Conventional Mortgage based on Current Property Value '' which allows me to request removal of PMI and for an appraisal to be ordered. '' They never disclosed these requirements to me at the time of closing and have no evidence that I ever was made aware or agreed to such terms. They have given me the run around for a couple months and continue to not show me anywhere in writing where this is required. Instead, I continue to pay mortgage insurance each month, and have been for last 5 years.