davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NC)

During the past 5 months the following has occurred with Citibank customer service : Given conflicting information by each customer service/or account manager regarding my account or policies such as when and how payments are processed ; given wrong/out dated address to send payments by a manager with CitiCard-the address given to me was XXXX. XXXX XXXX, XXXX, Ohio XXXX. This address is old and outdated. I asked the representative several times and he stated this was correct and it was not. The Office of the President listens to the calls and attempt to " explain away '' the mistakes. 

Presently, a {$1000.00} payment I sent on XXXX17 has been lost/misplaced and no one can seem to find it. 

Such problems have been happening over and over and corporate does absolutely nothing and neither attempt to compensate me for the mistakes made. 

I have also experienced being over charged for transferring funds. The system states {$5.00} or 3 % of the balance transfer on all of the promotions that I received. I was charged more than 25 %. This was refunded to me after I caught the mistake and called Citi. 

However, I am so tired of behaviors like these.
Consumer complaint received 2018-06-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (WV)

My Nephew needed a better car for work, ( His credit was not real good ), so I put the car in my name, paid down payment, and every payment. When his wife got a job they where to start making it, but my Nephew died. Wells fargo sent a check because we I had overpaid. But when they sent the check it had XXXX XXXX and XXXX XXXX, and my bank whould not deposit it. I returned the check and told them he was dead and since my name was first and he had not paid any down payment or any payments, to please send new check with just my name. ( Who would send a check to a dead person ) They where nice at first and said it would be taken care of, but the next person I spoke with was a _itch of the first degree. I'm on a very limited income and need the money. Wells Fargo new my nephew was Dead before I called them. Thank you for your time XXXX XXXX XXXX :
Consumer complaint received 2018-06-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC (TX)

From XX/XX/XXXX until XX/XX/XXXX, I worked for a XXXX-XXXX XXXX XXXX XXXX  company called XXXX. In XX/XX/XXXX, XXXX XXXX started ownership of XXXX and its employees. There was a known debt I with XXXX  that started after I left XXXX  in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I was unemployed. XXXX did provide a severance package. Later in the year, I received debt notices from XXXX  for taxes paid on my behalf while working in the XXXX for XXXX.

I started writing emails ( which came back undelivered even though I chose reply ) back to XXXX asking they waive the amount owed, {$15000.00}. I didn't have the money due to the expenses after being laid off by XXXX. Every time I received an email, I asked the same. Then I started writing letters and received no response, again, asking for a waiver. Then I received a letter from a debt collector. I told them I was in pursuit of a waiver and showed them letters I had written to that extent.

I wrote letters in XX/XX/XXXX and XX/XX/XXXX and received no reply.

I even wrote a letter to the President of XXXX XXXX, certified mail, return receipt. I received not reply.

In XX/XX/XXXX this year, I received a call from XXXX XXXX XXXX. The caller ID was from XXXX XXXX from XXXX XXXX, XXXX. I contested the debt due to non-receipt of an answer from XXXX. XXXX XXXX sent me a debt letter that I had received in XX/XX/XXXX. I received a credit bill last week and replied to XXXX XXXX to ask XXXX  on my behalf to answer my questions from XX/XX/XXXX.

Questions : 1. Does a debt collector in XXXX have jurisdiction in XXXX ( my residence )?

2. What rights do I have in this situation?

3. Will you interceded on my behalf and ask XXXX  to answer my questions from XX/XX/XXXX?

Regards, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC (TX)

I was approved for a loan modification with XXXX XXXX XXXX, XX/XX/year>. I had a trial period for XXXX, XXXX and XXXX of XXXX. In XXXX the modification was completed and FedEx to me which I got notarized and sent back to XXXX  XXXX who then sent everything over to Selene Finance. Now Selene Finance are saying they did not receive any of this! I called the loan mitigation XXXX at XXXX, her and her supervisor stated they have sent everything over to them regarding my account including my payments since XXXX and the new loan modification. I emailed Selene Finance the same thing and they have yet to fix my account as of XXXX. Still not giving me credit for 3 months of payment and still not honoring the mortgage modification. This has been a complete nightmare. Every review I have looked at regarding Selene Finance has only negative. Every person has similar issues regarding their accounts with this company that is fraudulent and unethical behavior.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I attempted to lift the freeze on my credit reports with Experian, XXXX and XXXX. I was able to lift the freeze immediately on the XXXX   and XXXX sites. Experian would not lift the freeze either online or on the phone, and gave me instructions for mailing in my request, supporting documents and payment. 

OnXX/XX/XXXXI mailed all the requested information and my check via USPS Priority Mail with tracking. USPS confirmed delivery of my letter to Experian on XX/XX/XXXX 

On XX/XX/XXXXI received a " Dispute Results '' letter from Experian dated XX/XX/XXXX presumably in response to my request. It states that " Your personal credit report already displays a security freeze ... If you submitted a check, it was not cashed ... '' I have tried again to lift the freeze via the web site and by phone, with the same result, that I am directed to mail in my information and payment. 

I have been unable to speak to any person about this, there is only a phone tree. 

I need to have the credit freeze temporarily lifted because I have to move. I am in danger of becoming homeless because Experian refuses to lift the freeze. I consider this situation very serious.
Consumer complaint received 2018-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation (UT)

Academy Mortgage is paying Real Estate Agents through buying them leads, cash payments and paying for computer programs to be the agents " Preffered Lender '' having the Agents funnel customers to Academy Mortgage and then charging customers higher rates and fees than a consumer could get elsewhere.
Consumer complaint received 2018-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CO)

My account is on Autopay, and they choose the payment date - I can not change it. Then they charge a late fee when they withdraw it after the due date. It is absurd- they choose the date, manage the withdrawal, and then charge me a late fee- many many times. They have ignored my complaints except to say I can not change the withdrawal date! This is obviouly intentionally deceptive and I have seen other complaints on the same issue with no effort on the part of Navient to resolve or credit me for the late fees. I do n't have any power and yet I am paying my loan honestly every month.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I have filed multiple disputes with Equifax ( XX/XX/XXXX latest, plusXX/XX/XXXX & XX/XX/XXXX ) about getting the Federal Tax Lien removed from my credit report since I have the IRS Withdrawal letter. Each time I have been told it's only been released and therefore will remain. After over an hour long discussion with a Supervisor I have resubmitted the information again. 

Also I have been told by Equifax that they weren't aware of the new rules for removing Tax Liens per the recent CFPB study since we have a paid or released Lien that was paid in full in XX/XX/XXXX. 

XXXX  and XXXX have removed all Tax Liens either in keeping with the Federal IRS Withdrawal letters or the CFPB findings.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I do n't have any judgement in XXXX XXXX in the amount of {$3300.00} as stated on my credit report reported by XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (FL)

I see in my report 30 inquires I never apply for these lender non have my signature I try to contact XXXX XXXX to remove the inquires they refuse they said I need to contact all the lender and I try to dispute item in my report the never respond to me and it been over 2 month
Consumer complaint received 2017-12-29
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: SLM CORPORATION (CA)

This letter is to inform you that XXXX has failed to respond to my inquiry dispute letter that i sent via certified mail on XXXX/XXXX/XXXX. As a consumer, I have rights under the FRCA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, XXXX received my dispute letter on XXXX XXXX. Please remove the following inquiry from my report as pursuant to 15 U.S.C 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Sallie MaeXXXX.
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IN)

My account on XXXX has been temporarily suspended and there is no sign of them opening it. My bank reversed a transaction and it had locked my account down. I 've contacted coinbase several times and this issue has went unresolved and unanswered. I sat on hold one night for 2 hours just to be told that it was escalated and have a nice day. Since then, I 've not received one response back. On XX/XX/XXXX I asked about a {$300.00} transfer that was sent to binance by myself, but never showed up. Case # XXXX and that went unresolved. 
XX/XX/XXXX ( # XXXX ) was when the account locked down and I also have $ 300+ in there. I 'm been removed from the {$600.00} I put in it between the transfer to XXXX that did n't go, and the other half that they are holding hostage on there exchange. 
Case number # XXXX Case number # XXXX follow up from call, still no action. 
# XXXX. Final reply no resolution
Consumer complaint received 2018-01-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NY)

My son XXXX XXXX. He had Citibank account in XXXX, Fl. I took A trip to the branch and handed XXXX XXXX the XXXX XXXX and told him my son XXXX XXXX and that the lawyer needs print outs of what is in the account. I gave him all the information he needed to provide my lawyer. He gave me a card and said that He would take care of it and that I should call him in a week. I had to go back to South Carolina and I continued to call and leave messages. Its going on 3 weeks and I havent heard back from XXXX and I have not heard from any of the representative from that branch. I called every number I can to have someone help. I need this paperwork for the lawyer and no one wants to help me. Please contact me I am Current at my daughters XXXX
Consumer complaint received 2017-12-29
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Springleaf financial services reported hard inquiries to my credit report. I have never applied for credit at springleaf. I have contacted the lender and have had no success on removing inquiries
Consumer complaint received 2018-01-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Banks has engaged in a pattern and practice of lending consumers " overdraft '' lines of credit at exorbitant interest rates to its customers with no notice of such loans, and no prominent disclosure of the interest rate at which such loans are made. Citizens then lets the loans languish while the consumer has more than enough funds to pay the loans off. Citizens has been able to do this by encouraging the use of " paperless '' statements. In my personal experience this has happened on several occasions to the point where I finally cancelled the overdraft feature of my account in XXXX of XXXX. I was certain I had paid the full outstanding amount of any overdraft loan at that time, when approximately two years later I learned that I had yet another overdraft outstanding balance from XXXX. I have been caused to pay {$1000.00} on this {$2000.00} loan in the course of two years when I easily could have paid it off. I am on the phone now with Citizens Bank ( have been on hold for one hour ) and they are telling me that I have to GO TO A BRANCH to pay the overdraft loan when I have {$34000.00} in my account. I need to pay the {$2000.00} immediately because I am applying for a mortgage and will suffer irreparable harm if I am preventing from doing so. I believe Citizens is intentionally making the repayment of such amounts so they can continue to profit from the unfair, onerous interest amounts they charge consumers.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

On XX/XX/XXXX, I faxed XXXX, my mortgage company an inquiry. They do not take phone inquiries. I got a loan on a different matter and was advised by the bank the my mortgage company showed a negative notation on my credit report. XXXX shows " Consumer Dispute this account ''. On XX/XX/XXXX, I did fax XXXX requesting clarification on some fees that were showing on prior statements. However I doubt that with in three days they would have gotten that to update on my credit report especially when the credit report was done on XX/XX/XXXX. That notation had to have been added prior to my XX/XX/XXXX, fax. I have attached my XX/XX/XXXX, Fax to XXXX which as of this date is yet to be answered. I called XXXX and was instructed to FAX in all my inquiries. No phone inquires are acceptable. Seem like you can not get an answer any way, even when you follow XXXX 's instructions.
Consumer complaint received 2018-01-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Iconic Mortgage Corp. (FL)

I received both mail solicitation and telephone solicitation from Iconic Mortgage, Inc, a mortgage broker firm in XXXX Florida. They claimed to be calling me about a " new VA loan program '', a XXXX Hybrid loan. This is not a new loan program. 

After discussing further, the loan representative state this program would allow for a 2.375 % rate in the first 3 years and that in year 4, the highest the rate could go up would be 3.375 %. At this point, I would be able to lock in the 3.375 % rate as long as I had no 30day late payments. She reiterated that I would be able to lock in the 3.375 % rate in year 4 and that this loan would save thousands of dollars. 

I found many misleading statements that would have cost me thousands of dollars in additional debt. Here is a summary of the misleading items I identified after reviewing the documents they sent a notary out to my house to sign : The figures provided by the loan rep summarizing the loan were incorrect and misleading. Principal payment with the 2.375 % 3/1 Hybrid is XXXX/mo but I was told via email it would be $ XXXX/mo with over {$53000.00} in principal payment by year 4. 

After 4 years, my loan balance would have actually be HIGHER with this refinance by almost {$10000.00}. At this point, I would have been subjected to an adjustable rate when interest rates would almost certainly higher than current rates. My payment would have gone up and I would have paid less into principal. 

I was told this loan allowed for me to lock in a 3.375 % interest rate in year 4. I asked for documentation proving this. In fact, everything I was given stated I would be able to lock at MARKET RATES, which will almost certainly be higher than 3.375 % and my current 3.875 % fixed rate. 

The Lender Certification within the packet sent to me stated I would recoup my loan costs in 8 months because they used monthly savings that were my FULL Principal and Interest payment on the loan, not savings from my current loan. This is, at best, an egregious error and, at worst, intentionally misleading and possible fraud. 

Finally, the closing costs were outrageous. They were charging 0.25 % in points for the interest rate, which was never disclosed to me in our conversations or emails. They also had an origination charge of 1 % along with a {$590.00} " underwriting fee '', MUCH higher than costs charged by almost any VA lender. 

I believe Iconic Mortgage, Inc uses false and misleading statements and advertisements to lure veterans into a costly refinance where the mortgage broker, their company and the lender make money at the veteran 's expense. Other veterans without the experience and knowledge to identify these items would lose tens of THOUSANDS of dollars with a refinance like this. That cost would almost certainly go up over the life of the loan if and when interest rates rise above current rates.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

On X/XX/18 I called Experian to cancel a credit monitoring service I do not recall signing up for that charges me $ XXXX/month. I only recall accepting free credit monitoring as a result of breaches. When you choose the option in the phone IVR to cancel the wait time, regardless of when you call, is greater than 45 minutes. When you select any other options you are answered instantly. I spoke with someone from one of the other options and I believe they called what I was being charged for " MaxProtect ''. 

My complaint is that Experian is clearly making it difficult to cancel. No option is given to cancel online or any other means other than calling and holding for 1 hour.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Just trying to find out why when you need to find out how where your report use to get goods and if you need to use your own SSN # that it has been damaged or destroyed my credit is so bad after Equifax let out important information that 's I would think that when you need to remove information that 's is incorrect that it should be in your favor but now we are having trouble getting any help with home or personnel credit from any creditors.
Consumer complaint received 2017-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (OH)

I have a no interest 48 month loan used to purchase a lawn mower. After a few months of making the payment through the phone system without problems, it no longer would allow me to do so.I made calls to customer service requesting they repair the issue for the next few months also making payment through the representatives. The process to do the payment this way took in excess of 15 min on average. The bank did not care that they wasted my time and after a few months even the representative could not find my account. I told them that I would resume payments when the system returned to working order. After three or four months they resolved the issue and i returned to making the payments. The bank began changing my payment amount and adding late fees and interest and  increasing the payment. I spoke with someone from the corporate office and he denied any issue with the system ever having happened and said to bad that they would not remove the fees, interest or return the payments to the original amount. The paper work I have from the purchase says nothing about late fees or interest just that the amount is to be paid in full within 48 months and minimum payments.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NY)

I have bene locked out of my Ally bank account at least 8 times over the past 4 months with 3 of the times happing over the past 30 days. It is not human error. In the past then Ally has fixed the issue I am locked out within 24 to 48 hours again. Today they could not even fix it so I can log on at all. I wanted to log on to check all my auto payments so I can migrate them to a new XXXX  account I opened, but I am unable to. Ally said it may be fixed tomorrow and I might have access then.