davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

My significant other took out a loan through Springleaf financial and asked me to cosign. I was reluctant from the beginning and have since dicsovered several things about the loan that appear to be unfair, dishonest and misleading. Shortly after taking the loan out, XXXX XXXX attempted to deposit the checks she received. They were returned and springleaf explained that they had to be endorsed and sent to the creditors. At this point I contacted the springleaf branch and explained that I was not comfortable with the loan and would refuse to sign/endorse any future papers or checks. Springleaf dishonestly reprinted the checks leaving my name off ( the contract clearly states that several of the checks are to be printed with my name on them ). This was done to be dishonest and refuse me any right of to reverse the terrible decision made. I have copies of the checks to verify that my name was ommited. 
I obtained a copy of the contract and in reviewing it noticed that a life insurance was applied. XXXX and I were never had any insurance explained to us or told that voluntary insurance was being applied to the loan. We had no idea what this insurance was for and why it is on the loan. I find this very unfair and dishonest by springleaf. When I reached out to the insurance company they explained that they are owned by springleaf financial. Further explanation of the insurance explained that the coverage is used to make sure that in case of the borrower 's death financial obligation of the loan would be removed from her spouse/life partner. Being that I am the cosigner it would not remove my obligation and therefor is completely useless and we would never have agreed to such insurance had it been explained. During the loan our loan officer pointed and told us where to sign, initial and date with no explanation of any insurance. 
Springleaf 's reporting to the credit agency has had a very intense and harmful affect on my personal and private life. I have asked them on XXXX seperate occasions to stop reporting to the credit agency. These attempts are verifiable through XXXX complaints and emails. Springleaf is still reporting and refuses to stop. 
I have reached out to the branch manager, Distric Manger, corparate office, legal department and submitted a XXXX complaint and springleaf on all occasions refuses to acknowledge their wrongful practices. As a consumer I have rights and feel that springleaf financial has violated my rights by refusing my request to cease contacting any and all credit agencies regarding their loan, by going against the terms of their loan and dishonestly writing checks with my name deliberately omitted, and by forcing useless voluntary insurance on a contract without explaining it.
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NC)

XXXX sold my home loan to Green Tree but failed to transfer my loan modification that had become permanent and was wonderful. It took me 18 months to get this information transferred at which point the home was delinquent, I moved out of it XXXX 2013, and they said that the only way to get the payments to the modified amount was to back pay {$17000.00}. This is an impossible task for a single parent of a young child in child care, without child support, and working 6 days per week just to make ends meet. This mishap put us in a poverty stricken, high crime, area paying {$800.00} rent for the last 26 months whereas we could have remained in our home, in a great area, brand new, for {$1100.00} had they originally transferred the amount. After all, I did put 10 % on the home and at one point worked XXXX jobs to maintain the {$1500.00} house payment and my XXXX credit score. It was by the recommendation of the representative at XXXX XXXX XXXX that I initially became delinquent to obtain the modified amount. Being unable to repay the {$17000.00}, I was forced to either have a foreclosure or short sale. I had several offers on the home in XXXX but in order to even begin a short sale, it had to be listed for sale publicly. I did this. Then I submitted paperwork upon paperwork to Green Tree with it being lost each time. Finally after six months of going around in circles and the offer being retracted due to time, I submitted my first complaint through this site. It was after submission of this complaint, they finally began responding to me. I made the home active again and immediately had another offer submitted. Green Tree countered the offer and the contract was retracted within 2 days. The home was immediately made active again and 3 offers flew in within one day. One of these offers is {$200.00} above asking price which is the amount of the principle pay off. Also note, during the showings of the home, the stainless steel stove/oven was stolen so now the home is being sold without and they still offered {$200.00} above asking price. Now that the offer, short sale addendum, mineral rights, etc. have all been signed and submitted ( within 3 business days ) ; they are requiring that I begin this process all over again at which point I will lose the offer of {$190000.00}. I have been doing everything possible to save this home and I am not getting any assistance from Green Tree. Not even something as simple and being helpful. My poor realtor has worked more than one ever should and we are tired of constantly going back and forth. They will lose much more money if I let it go into foreclosure ; I am trying to help everyone involved.
Consumer complaint received 2015-05-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Dear Consumer Financial Protection Bureau, Servicing of my loan was transferred to Specialized Loan Servicing ( SLS ) on XXXX XXXX 2015 and I received my first billing statement dated XXXX XXXX 2015. The billing statement contained XXXX glaring errors, including incorrect balance, wrongly applied payment, incorrect finance charge, and incorrect calculation of next monthly payment. 

I submitted a qualified written request to SLS on XXXX XXXX 2015 clearly pointing out the errors, providing detailed explanations of the correct calculation of each element of the bill, and provided statements from the previous servicer demonstrating the correct calculation of the bill. 

I received a response from SLS which failed to correct or even address XXXX of the XXXX errors. The response merely noted that " our records indicate that the payment received XXXX XXXX, 2015 has been adjusted with a reversal of {$1600.00} from the payment and applying it to the principal as of XXXX XXXX, 2015. '' This amount is incorrect and no explanation was given for how they arrived at this amount. The correct adjustment was clearly explained in my letter. 

Their response failed to even address the other XXXX errors regarding the incorrect balance, incorrect calculation of interest, and incorrect calculation of next monthly payment. 

Therefore, the response received from SLS did not satisfy the legal requirement under the Real Estate Settlement Procedures Act to either correct or explain the errors pointed out in my qualified written request. 

Thank you for your assistance.
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (FL)

Consumer serviceMy problem is that this Synchrony Bank XXXX XXXX did not apply my payment to the higher interest account instead it was a applied to thelower interest account ( Balance before payment {$1500.00} after the payment {$590.00} ) The higher interest account did not go down remains the same {$4700.00} I have continued making the payments on this account never having any late payment. 
I had talked to the customer service dept before I made the payment they she assured me that the payment would beapplied to the higher interest account since I had already paid the payment due on the lower interest account. Needless to say they applied thefull {$1000.00} to the lower interest account. I have called them regarding this issue they explained that they had applied the payment to thehigher interest account which they did not. I sent a letter showing them prove they did not do what was promised. Hope you can helpwith this dishonest practice they want to charge the customers the higher interest of 23.99 % on the account. The lower interest of 4.99 % wasa promotion they offered for the life of the loan. 
Thank you for your time, XXXX XXXXXXXXXXXX XXXX, FL XXXX XXXX XXXX
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OR)

Somebody used my social security n identity at hospital in XXXX and I live in XXXX from last 6 years just called hospital and they put it in fraud and gon na investigate and call me back in 24 hours I called XXXX about the inaccurate collection in my credit report and they said gon na put it in dispute tried to do on Equafax online but in vain hopefully they can resolve this issue as soon as possible
Consumer complaint received 2015-04-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

XXXX XXXX XXXX In reference To our telephone conversation today XXXX XXXX, I am absolutely appalled by the behavior of Union Bank! One might say! I 'm guilty by association! I told you in the beginning that we did not have intentions to continue business as a XXXX, I also sent you a letter from our accountant. I did a lot of research for you to send you certain documentation which A considerable amount of time, you have me into a very precarious position, as of XXXX XXXX my existing loan has adjusted to an increase of approximately {$2000.00}. You have taken over a month to finally let me know your decision, I was told in under the impression when I authorize charging my account for {$490.00} in going forward which included appraisals and other things which were never done! I never received an appointment from the appraiser or any communication except for the fact that you called me and asked me why I canceled the appraisal? News to me I told you, so I 'm assuming this was done internally within Union Bank I am requesting that you return my {$490.00} immediately, or I will have no choice but to file complaints with explanation to certain authorities, this was not fair nor businesslike. I wish all of you the best. 
Best wishes XXXX XXXX I told XXXX in the beginning I do not have any intention of continuing on with the XXXX before I made application to Union Bank. He checked and said there would not be a problem since I was providing him with a letter from my accountant which I did. As we continued of course after they got my {$490.00} he came back and said their underwriter said they could not do the loan since I was a XXXX the deposit of {$490.00} was also for a appraisal and other things which were never done by Union Bank I am requesting the return of my $ XXXXHow complaint can be satisfactorily addressedReturn of my {$490.00} from Union Bank
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (PA)

I have been disputing charges on my checking account for memberships and services that were canceled from XXXX, XXXX, XXXX and a few other recurring charges from XXXX. Each time Truist completes the investigation, they find that y claim was valid and return the funds from the invalid charges. Every time an investigation is completed, Truist has not returned the Insufficient funds fees associated with the charges on the claim. In addition Truist still has allowed the same creditors to charge my account month after month AFTER the months after the first dispute claim that was completed and settled. I do not understand why the bank would allow a company to continue to make charges on my account after the claim has been completed. I feel like this intention is deliberate to repeatedly take insufficient funds fees from customers. I am out of thousands of dollars due to this repeated offense and my bank account continues to stay in an overdrawn position because of these charges. This has happened on more than one account from multiple businesses. I also received astronomical fees weeks after a transaction for sending domestic wires that were different than expected, the employees were not clear on the wire instructions and what the fees were associated with wires.
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Caliber Home Loans, Inc. (FL)

I have send in my regular monthly payment and found out 4 day 's later that the payment was not collected and I called the mortgage company and they told me that they have n't received it.They to chehed after 2 day 's and if not collected to put a stop to the check.I called the day after that and then I was told that it is delinquent and I need to pay the full amount and they want accept my regular payment.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc. (CA)

Coinbase processed charges to my account. These charges are UNAUTHORIZED. These unauthorized charges were posted on XX/XX/XXXX. 

Coinbase even admits to this, too. Please see attached images. 

Today, on XX/XX/XXXX, I called them and wrote them. 

They did not respond, nor answer me.
Consumer complaint received 2015-12-03
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

When we applied for a home equity loan, our bank contacted XXXX XXXX XXXX to do a search. We were called by the bank and told that company said there are XXXX liens against us. I knew that was wrong so I called the courthouse and had copies of the judgements sent to me. It only took me one minute to see that the only thing that matched was my husband 's name. Birth date, address and SS # were all different. I called the XXXX XXXX XXXX company and asked if I could send them proof that these liens were not ours so they could correct their records. They told me no because I am not their client and that I would have to go to the bank and have them correct it. I asked how they could make XXXX such errors and a manager, XXXX XXXX, told me that all they do is match a name to a county. They do not check further unless their client ( in this case my bank or their underwriters ) requested it. So I went to the bank and the manager said they simply have us sign a form declaring that those liens are not ours. They do nothing to correct the error or remove those liens from our report. I asked her to help me find a way to correct this because we did not want our name connected to these offenses. She said she would pass our request on to the underwriters. The underwriters accepted the document we signed declaring the liens were not ours but were n't interested in clearing up the error. Why would any company be allowed to attached lien information based on name only? We live in a small town and there are XXXX or XXXX men that we know of with the same name as my husband, XXXX. I ca n't imagine how many there are in the whole county. The manager at XXXX suggested we were lucky there were only XXXX. That 's XXXX too many as far as I am concerned!! If I had not been such a good customer and well known in our bank, this information could easily have been used to deny us a loan. Someone should be responsible for correcting this but so far no one accepts or cares about it.
Consumer complaint received 2015-09-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AZ)

My sister passed away in XXXX of this year. Upon going through her things I discovered that I was a co-signer/borrower on her student loans through Navient. I have made contact with Navient many times since discovering this information. Every time that I call I was given the run around passed to another department and them told I would have to go back to the department I started with. I went through the fraud department which they denied my claim did not give a reason why. Then I was told XXXX another time I called XXXX I needed to contact the company that has the loan and they would give me a relief which I clarified with agent several times " this means that I would not be responsible for any of the loan and that I would not owe anything correct '' I asked this question several times and he proceeded to tell yes/correct I would not owe anything that is what the relief was. Come to find out that was not correct ( still waiting for a supervisor to call me back in regards to pulling the call to verify what I was told ). The strange things is if I am a co-borrower why was I not informed of payments that were missed so that I would have the opportunity to do something to correct ( defer them etc. ) I was never contacted they just put them in default and sent them to collections. Oh yeah to be relieved of my reasonability I would need to come up with {$11000.00} to pay a % and I would be free and clear of this mess. I do not know how I am responsible for something that does not have my physical signature on the promissory note just my name and a check mark. This has ruined my credit and cost me a job. I am constantly getting wrong information every time I call on how to handle this. Another thing I find very frustrating is my personal information is being handed XXXX. I am not sure where or what to do at this time because of the frustration and bad information given. This is just a brief explanation of this situation.
Consumer complaint received 2024-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (CA)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : ONEMAIN  XXXX
Consumer complaint received 2015-05-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX we filed a chapter XXXX bankruptcy in order to try to keep our home after credit card companies increased their minimum payments by 2 1/2 times what they 'd been being. I simply could n't pay that much of an increase and when I attempted to work with the companies their answer was I had no opt out option on what the payments would be. I had years and years of perfect pay history but simply could n't go from an {$800.00} a month payment to a {$2500.00} a month payment. So the bankruptcy was n't a really my choice ... I had no other option..In XXXX my husband became ill and could no longer work and I had to take a cut in pay due to the economy having such a negative impact on the company I worked for. I contacted Bank of American in an attempt to modify my loan but was told that because we were in the Chapter XXXX there was n't anything that could be done. Since I only made {$35000.00} a year it obviously would be impossible to keep a home that payments and insurance was over {$30000.00} a year. At that point the home was surrendered back to Bank of American. Up until that point we 'd never paid a late payment on that home and had lived there for 11 years. In around the first part of XXXX XXXX notified us that they had acquired our mortgage and all future payments were to be made to them. I immediately contacted them and Bank of America trying to explain that this was all handled throught the courts in XXXX. Bank of America said they did n't have to abide by any such order. XXXX continued to pursue us for payment. Finally after several months XXXX ceased to call. In XXXX XXXX the home sold through XXXX. Reported on my credit bureau file was that I had a foreclosure through XXXX dated XXXX XXXX. So obviously this had an impact on my credit score and any hopes of me getting another home for at least 3 years. I attempted to get them to understand that they should have NEVER had anything on us because the BOA debt was discharged by the bankruptcy but they said that was n't true. I 've sent copies of the modification letter and judge signed document to both banks.. to no avail. So in an attempt to get into a modest home I have this hanging over my head as having just happened in XXXX. So I asked for help through XXXX. The result was a XXXX point drop in my credit score because XXXX shows that our payment history was over 120 days late with payments. When I referred this information to my attorney I was assured that Judge XXXX order was sufficient and I did not need to be concerned. XXXX response to XXXX was that it was THEIR loan and we never paid on time.. PLEASE help get this resolved. I 'd like to have a home again one day.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$160.00}, XXXX {$0.00}, XXXX XXXX {$10000.00}, and SYNCB/PPC {$0.00}