davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MS)

Ive been having issues getting payments through to Navient for about 3 years now. Theyve given me inaccurate and inconsistent information time and time again. Not to mention the wait time Ive endured just to even speak to a representative. On numerous occasions Ive dealt with representatives who were irate and had really bad attitudes with me, about MY loans. Ive been threaten before by a representive stating that theyre going to come after my mom. Theyve made threats of ruining my credit so I wont be able to purchase a house some day. The straw that broke the camels back for me was a recent occasion. I called and spoke with two different representatives, one telling me theyll need a payment from me for x amount at an x interest rate. The representive got an attitude after I asked questions about MY loans. She puts me on hold for five minutes. Afterwards, I heard her pick up the line, then she literally hangs up the phone in my face! I call back and again, I have to wait another hour before I speak with someone. A guy answers the phone and I explain to him what happens and that I want to file a complaint against the last representative. He seemed sympathetic. After about 5 minutes into the conversation he began to go over the same thing the last representative went over with me. This time he pulls up the previous representative notes and now hes telling me I will be charged a y amount at y interest rate. Both the interest rate and amount to pay increased drastically within an hour. I told him that the last representative mustve put some things in her notes to make things worst for me because she was at odds with me after me questioning her. Then he began to tell me, sir, Im going to charge you y amount now at y interest rate and there is nothing you can do. Now Im wondering how did things change so quickly, so I asked him. Sir, how did the rate of my loan change so drastically since my last phone call with the last representative, he rambled on and on about what he can only allow me to pay back. I then realized that he wasnt giving me an answer so I declined to discuss anything further and now Im here. Ive been experiencing issues with Navient for too long now and I want answers. Because, I feel as though theyre trying to keep me in a trap, so I can never be financially freed from them. Please please please help me receive some understanding. If there is any more information that I can provide Ill be more than willing to work with whomever.
Consumer complaint received 2018-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (TX)

In XX/XX/XXXX my brother 's home at XXXX XXXX XXXX XXXX XXXX, Florida suffered {$13000.00} damage during a storm which his insurance company paid by check, which he sent to his mortgage company, State Bridge Mortgage for their endorsement.

On XX/XX/XXXX my brother XXXX   XXXX  suddenly died and I was named the personal representative of his estate in XXXX. Sense that time I have been trying to recover those funds, first to make the needed repairs so that the house could be sold but State Bridge made it so difficult to access the money that I ended up selling the place " AS IS '' to an investor on XX/XX/XXXX.

The problem now is State Bridge has not returned the money even though the mortgage has been satisfied and each time I've contacted them I'm given a different reason by a different person for the funds not being returned. I've attached documents to support my request for help in resolving this matter.
Consumer complaint received 2018-09-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My vechile was repossessed by XXXX XXXX XXXX XXXX and the vechile has since been redeem. 
However the vechile has damages and their are fees associated with the towing process and additional fees has been added to my loan but since the discovery of damages to my vechile I have no intention of paying those fees nor any repairs to my vechile.
Consumer complaint received 2016-04-06
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Onity Group Inc. (AZ)

Ocwen Loan Servicing continues to send us letters and harass us by phone. They are incorrectly showing at the XXXX bureaus that a piggyback XXXX mortgage ( purchase money - not a HELOC ) that was foreclosed back on XXXX/XXXX/XXXX is still open and the account past due. Arizona is a non-recourse state.Based on my credit report from XXXX, Ocwen had charged the account off on XX/XX/XXXX with no activity ( XXXX ) until XX/XX/XXXX - when they decided to inaccurately report the account " open '' and 180 days late. I have called OCWEN on numerous occasions but OCWEN continues to call us weekly and sending numerous bogus " Mortgage assistance Resources '' letters - 6 years after foreclosure. As I said this was a " Purchase money '' piggyback XXXX mortgage - NOT a HELOC loan. Ocwen seems resigned to blackmail our credit with the bureaus and harass us for a 6 year old foreclosure ( XXXX mortgage ) that was written off many years ago.
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc. (FL)

This company calls me every day. They're normal tactic is simply to hang up after I answer the phone, but occasionally they ask me to verify very personal information : last 4 of my SS #, date of birth, and others. They refuse to identify themselves or provide any information about their company unless you verify this personal info. They have even begun calling my wife 's mobile phone number. 

I have asked them on numerous occasions to stop calling me. Usually at that point, they hang up on me, but they have in the past agreed to stop calling me. They have not stopped calling me. 

Today, ( XX/XX/2018 ) I called them back ( after they hung up on me ), and I was assured by a " XXXX '' that they would not call me again. She would not provide her last name or her date of birth or the last 4 digits of her SS # for some reason. XXXX told me the name of her company was Unifin , Inc.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

urned in my XXXX XXXX XXXX lease with XXXX XXXX in XX/XX/XXXX under the provisions of the XXXX. Received confirmation of the lease turn in XX/XX/XXXX after several attempts to contact XXXX. Received multiple statements from XXXX claiming that we owed money on the remaining payments while I was XXXX to the XXXX XXXX. XXXX XXXX  told us multiple times to disregard the statements that our account would be fixed since it was turned in under XXXX. In XX/XX/XXXX we went to purchase some land and saw that we were shown as having late payments on our account for several months after the car had already been turned in under XXXX. After several attempts ( probably 20 or so ) contacting XXXX XXXX and talking to multiple customer service reps and managers we were assured that our account had been corrected. As of today XX/XX/XXXX the account still shows 60 days late on all three credit reporting agencies with updated dates in XX/XX/XXXX despite XXXX telling me that their system shows it being cleared with no late payments. I have been promised that we would get a letter that states the account is incorrect on multiple occasions and have still to receive any letter. This has now cost me hundreds of dollars in additional fees and deposits required to establish new accounts because of the incorrect information. I have been promised for months that the issue would be resolved, yet nothing has been done to correct the issue. I was told to dispute the information that it must be incorrect with the credit reporting agency. I did dispute with XXXX which returned with an affirmation from XXXX XXXX that the information was correct.
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (PA)

On Wednesday, XX/XX/XXXX I went to a branch of Citi Bank located in XXXX XXXX XXXX in XXXX. 
After I spent about an hour, answering to hundred of questions like phone numbers and addresses of my previous employers, and their phone numbers, I finally got the paperwork and termporary debit card. 

Same day, when I tried to activate my card, I got an error message. After a few tries I decided to call but the lady wasn't able to locate any of my accounts. 

I was trying to reach them next day, but the answer was the same. Then I called to the branch, but didn't get a clear answer. 

The next day, I spent another hour on a phone when another lady picked up the phone and told me there is no account, and I should go to the branch to start the process from scratch.
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MI)

Ocwen servicing wrote my mortgage off over ten years ago. They never notified us that they had it. We were sending our payments to XXXX XXXX  when we receive a letter stating they were no longer be taking payments and we would be notified where send those payments to well that never happen now ten years later we request a release and Ocwen refuses, we didnt even know who they were until a few months ago we were in the process of selling our home. Every year when we paid our taxes on our house we would check to see if a mortgage company finally was reported it wasnt. When Ocwen responses the first time, they told title company it was written off, than the next time we contact them they said they were gone foreclose on our home. They had ten years to notify us and they didnt. We feel Ocwen mishandled our mortgage fraudulently and is trying to find loopholes for the bad business practices of our mortgage. All we want is a release because we feel it wasnt our wrong doing, it was Ocwen.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

Subject : 7-10 business days waiting period for credit availability after payment has been debited in the checking account. RIDICULOUS!!!! 
1 ) paid {$1500.00} to barclaycard credit card on XX/XX/2018 ; money was debited on the bank on XX/XX/2018. 
2 ) supervisor of the credit card promised to make credit available on XX/XX/2018 XXXX ( EST ) but did not happen. 
3 ) i have been with this card for the last three years. not even one miss in ANY OF my payments. and i have used this bank account for payment before. 
4 ) called customer representative and keep telling me that i should wait. they are even refusing to give me the names of the representative and supervisors name ; called XX/XX/2018 XXXX XXXX ( EST ) and XX/XX/2018 XXXX XXXX ( PST ) 5 ) in my history of payments in this particular card, i have always paid in bulk or in a large sums of money. and yet they would not even take that into considerations 6 ) PLEASE HELP ME.
Consumer complaint received 2018-10-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Earlier this year Navy Federal credit union did an unauthorized transfer from my checking account to an installment loan without notifying me. This resulted in checks that I previously written being returned for non-sufficient funds. Navy Federal then charged me a NSF returned check fee, when the reason there was not sufficient money available and the returned was because they took it upon themselves to make an unauthorized transfer out of my checking account without notifying me. Then Later they completed another unauthorized transfer from my checking account to a revolving line of credit as a payment. I did not authorize this transfer either and was again not notified. That and that unauthorized transfer over-drafted my checking account. Most recently Navy Federal yet again did an authorized advance from my line of credit to my checking account to cover the overdraft that they caused In the first place, and the bogus fees that also were a result of their bad business practices of transferring money between customers accounts without notification or authorization. The unauthorized draft that they did from my line of credit account put my line of credit over its credit limit of XXXX
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

On Wednesday, XX/XX/18 I opted to utilize two balance transfer checks to take advantage of an intro APR. One check for {$5000.00} deposited to XXXX and one check for {$1200.00} deposited to XXXX. This was within my credit limit including the transfer fee. 

On Thursday, XX/XX/18 I received a call from the fraud department to verify the activity at XXXX. I called back at XXXX and was on hold for 55 minutes before speaking to someone who told me that the fraud department is already closed. Not to mention that the voicemail I have said that I can reach them 24 hours a day, 7 days a week. 

I tried to call back this morning, Friday, at XX/XX/18 and could not get through. The check I wrote to XXXX has already been returned and will make me incur fees. I called the executive office and the operator is unavailable and the mailbox is full so it doesn't accept voicemails. 

I finally went to a branch to prove identity and my Drivers License with current address is not enough, they want a copy of my lease. I am willing to do that but now they said they don't handle placing the funds back into the other banks or handle fees by other banks. I asked the service rep if they can ACH the funds back to XXXX and she had to ask her manager because she did not know what ACH is ... I've been in banking for 20 years. This is completely unacceptable. 

I've attached a screenshot of the transcript from the voicemail left on my phone which states that I can reach them 24/7 and also has the time they called me.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX and XX/XX/2018 my credit was ran for SYNCB without my authorization and knowledge. I now have two hard inquiries that state that it will be on my credit report for two years, and it also lowered my credit score. I have never applied to this bank. I contacted SYNCB and I was told that I had to dispute it with the credit bureau, that they could not help me.
Consumer complaint received 2018-10-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

On XX/XX/2018 I received a call from One Main requesting a payment. I was driving and asked the representative if I could call back and she continued to talk. I was trying to pay attention to the road and she continued to harass me and would not hang up. I had to hang up on her. It appears she locked my account so I can not make a partial payment.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I previously disputed this inaccurate address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX with Experian credit reporting agency and I got a response from XXXX stating this inaccurate information is not reporting on my credit report but it is indeed reporting on my credit report I will attach copies of screenshots to prove the address list above is reporting on my credit report on tab ( XXXX ) Experian credit reporting agency has a responsibility to report accurate information once again remove this address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX immediately from my credit report immediately or I will seek an attorney! 
I will also attach copies of my current lease agreement for XXXX  years
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my fifth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MA)

Citi was running an account opening promotion for new customers from XX/XX/2018 - XX/XX/2018. Eligible new customers ( which I am one )  were to receive a {$400.00} account opening bonus by XX/XX/2018 if they met the following requirements : 1. Open a new checking and savings account in the Citibank Account Package between XX/XX/18-XX/XX/18. 

2. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 

3. Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 

4. Get {$400.00} deposited to your account! 

I opened two Citi accounts on XX/XX/2018 : a Regular Checking and Citi Savings accounts. The Citi Savings account was funded with {$200.00} on XX/XX/2018 and the Regular Checking account was funded with {$15000.00} on XX/XX/2018. I maintained the {$15000.00} balance in the Regular Checking longer than the required 60 days. The balance in the Citi Savings account remains unchanged at {$200.00}. 

According to the terms and conditions of the bonus offer, I should have received the bonus by XX/XX/2018 : If you are an Eligible Customer, enroll in the {$400.00} Checking and Savings Offer, and fulfill required activities ( see required activities below ), you can earn a {$400.00} Cash Bonus which will be credited to your new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all offer requirements. 

Make a deposit of {$15000.00} or more in New-to-Citibank funds as explained below into the new Eligible Checking Account and new Eligible Citi Savings Account, and maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days following the date when you made the {$15000.00} deposit. PLEASE NOTE : To meet the {$15000.00} requirement, a minimum of {$1500.00} must be deposited into the new Eligible Checking Account and a minimum of {$100.00} must be deposited into the Eligible Citi Savings Account. The remaining balance requirement may be deposited into either the Eligible Checking Account or Eligible Citi Savings Account.

I have contacted Citi three separate times since XX/XX/2018 and still have not received my bonus, which Citi has  confirmed I am eligible to receive. They have given me a reference number for my case, which remains unresolved. Ref # XXXX.
Consumer complaint received 2018-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debit. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency XXXX XXXX XXXX myself, and they have failed to provide me with proper validation according to the FDCPA as I requested. 

I have enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified mail. I was given an Account Summary Report and no evidence of my obligation to pay this debt to the originator or this collection agency. This debt is not mine. This is NOT a valid form of validation of debt per FDCPA. 

The validity can not be properly verified and you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you continue to report it on my credit report, I will find necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims in my area. 

I look forward to a swift and amicable resolution to this matter.