davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: National Recoveries, Inc. (GA)

I have called on several occasions asking for a reasonable payment option to pay my loans. My loans are only XXXX but as a single mom I could not afford the payment of XXXX a month to pay my loans without a hardship. My loans have gone in to default and they tarnish my credit because I am unable to get a reasonable arrangement.
Consumer complaint received 2016-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (OH)

They are calling many times a day, weekdays and weekends, hours range from XXXX till as late as XXXX. I have answered the caller several time and tell them this matter has been disputed in writing and was sent via certified letter. I have also ask them to stop calling every time I have answer the call. Each agent making the call will then threaten to take me to court, report to credit bureau and get very rude on the phone. I have ask them to send the notice in the mail not by phone. They will not stop calling!
Consumer complaint received 2016-03-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (DC)

I took out a student loans for my daughter that is past due and I have been trying to renegotiate payment ; however, I am facing what I consider to be unfair and arbitrary business practices. The negotiation has been in bad faith on the part of Navient and its debt collector, XXXX XXXX XXXX. 
When I first called to settle the staff member only wanted to get me in a loan rehabilitation program. I, however, wanted to have a payoff which would save me money in the long run. Their standard pay off of 91 % of the debt was too high for me. The next day or so, I called back and got someone willing to put in an offer to Navient. Navient came back with an offer that was still too high. I counter-offered and they came back with a HIGHER pay off amount. They said they recalculated according to the poverty levels in each city and state. When asked for the calculations and documentation, they would not supply it. 

I consider it negotiating in bad faith to raise the pay-off amount from their original offer. The agent answered that they do quarterly reviews. It is not the end of a quarter and I find this change arbitrary and unethical. The end of the call noted the collection costs of {$1100.00}. It sounds like they increased the pay-off to cover their own fees. This is an undue burden and leaves me with the sense that XXXX XXXX XXXX is selling their loan rehabilitation program to the continued detriment and debt of the borrower and not allowing any options. 

As the borrower, I have no recourse which is contrary to American values. There are NO telephone numbers at Navient to call. No people to speak to at Navient. I am only able to speak to people who are earning money off of my debt and have no interest in helping me with a reasonable and rational settlement. 

I also believe that an XXXX somewhere and Department of Justice should look into these business practices that actually hurt rather than help the poor. 
Thank you for your kind attention.
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (MD)

I contacted XXXX And disconnected service. I spoke to a lady who tried to convince me to stay. I told her no way, XXXX is awful. I started using XXXX. A month later XXXX sent me a bill. I called them XXXX times and complained. They then sent me to collections. I have just received a letter from diversified consultants inc. Stating they are trying to collect XXXX debt. I am not paying for service that I did not receive.
Consumer complaint received 2016-08-27
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Rausch Sturm LLP (IA)

Called my sister and my mother through a autodialer and left and left a unclear message. Did n't state the name of the company but stated they are going to file charges against me with the county. They called my sisters cell phone number and my mom 's land line in which I have never ever ever use them for any credit references. I left a message to revolk any consent to call anyone.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (LA)

Chime bank didn't give me the chance to repay the neg balance before closing my account. I'd just gotten out of XXXX XXXX XXXX XXXX and updated my info on chime account and they closed it. I sent them a copy 9f my letter of XXXX. 5hey didn't give me the chance to pay the neg balance. I have a credit builder credit card w {$700.00} bucks on it. After My XXXX  was stolen I called XXXX  get a replacement card and they will not send me my card w my money on it. I've done e very thing they've asked me to do but they give me the run around. Please help me re over my credit card. Thank you
Consumer complaint received 2017-03-30
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (CA)

This company has suddenly placed a negative listing on my XXXX credit report saying they have a collection account opened on XX/XX/2017 and that I owe a balance of {$730.00}. The listing did not appear in XX/XX/XXXX, but in late XX/XX/XXXX. 

I do not know what this debt is, do not recognize it in any form or fashion, and do not believe I owe this company any money. 

Furthermore, I have NEVER been contacted by this company in regards to supposed alleged debt, or notified of any collections activity. Nothing in writing has ever been sent to me to notify me of any attempts to collect where I could exercise my legal rights to verify or dispute, before placing damaging, inaccurate information on my credit report. This is in direct violation of the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. 

This inaccurate, unverified information, of which I was never notified, needs to be removed from my report immediately, and the company needs to follow the law in regards to it 's collection practices and make sure debts are valid, and the consumer is contacted and given an opportunity to dispute, before reporting to any credit bureau.
Consumer complaint received 2015-05-15
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (VA)

I have been called everyday, several times a time. I had discussed my intentions in a polite manner and how I was getting money from my retirement plan to pay this debt and that is takes XXXX days to obtain the funds and how I had discussed this with the school i attended. I also explained that I intended to pay the debt. No even XXXX days later, XXXX from the collection office calls me and barrads me for the debt. After trying to explain to her that I spoke with someone XXXX days ago about it, she said she was " checking on the status '' I asked her if she was going to call me everyday until the XXXX days, she said yes and it was her right. I told her that this was harrasment, she replied that it wasnt and that she would call everyday, several times a day until the debt was collected and that if i didnt want to talk then not to answer the phone. Then she started to laugh, as if this was entertaining her and as if it was a laughing matter. This upset me because I am trying to work to get this debt paid and she has no idea the circumstances that caused this debt to get behind in the first place, then she laughed again until i hung the phone up. The past XXXX days i have been called XXXX times at all hours of the day
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

WELLS FARGO & COMPANY, AND ALL AFFILIATES AND ALL SUBSIDIARY ' S OF THE PARENT, WELLS FARGO & COMPANY. IS SAYING THEY OWN MY MORTGAGE AND NOTE/ I HAVE CHECK IT BY AUTOMATION ON THERE PHONE SYSTEMS. AND HAVE COME UP WITH IT SAYING THEY DO NOT HAVE A MORTGAGE IN THE NAME OF THE PARTY. SO HOW COULD A AFFILIATE OF OR A SUBSIDIARY OF WELLS FARGO & COMPANY SAY THEY OWN MY MORTGAGE AND NOTE? WHEN THEY SAY THEY DO NOT AND HAVE NEVER HAD A MORTGAGE AND NOTE OF THE SAID PARTY? I HAVE FILED THIS SAME COMPLAINT TO THE DOJ, FBI, AND ATTORNEY GENERAL OF MASS. WANTING ANSWERS.
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

My issue is XXXX fold, but both complaints have to do with Ocwen Mortgage Co. In XXXX XXXX, I began trying to get a Loan Modification from Ocwen Mortgage. I am divorced and because of that and also some health issues, I could not pay my mortgage. I did everything required and sent it to Ocwen. They approved the mod. However, at the 11th hour, my ex-husband refused to sign the paperwork ( I was given the home pursuant to my divorce decree, but we had not actually redone a Deed ). At this point, the mod was based on my income figures alone. Ocwen denied the request at that time and sent the mortgage payment check back to me. We then did all the necessary paperwork ( recording a new deed, completing the Family Transfer paperwork and my ex and I both signed the release of liability form ). I resubmitted updated paperwork and was approved for the mod. to begin on XXXX XXXX, XXXX. However, I was to pay the back amount due since XXXX XXXX. I did n't understand then and still do n't understand now. I was never told to pay anything and there was no mod in effect so why do i have to pay the back due amount. They also stated the back due amount was due within a month. It was approx {$3000.00}. Funny thing, I do n't have that much money. At this point I got XXXX involved ( Note : I 've been a real estate agent for 20+ years and still did not understand most of this! ). XXXX was wonderful and began working to get this straightened out. Again, they sent, after I sent to them, all of the information requested ( including all the transfer info yet again ). We heard nothing back. On Monday XXXX/XXXX/XXXX, I received a notification from Ocwen they were beginning foreclosure proceedings. I spoke with XXXX and they are as confused as I. OK, now for the flip side. In XXXX XXXX, I received some ice dam damage at my home. I spoke with the insurance company and they gave me a check for {$21000.00}. Ocwen requires rather onorous steps to have them endorse the check. I did them all - getting paperwork filled out by a contractor, sending them all estimates, etc. I sent them all this in approx. XXXX XXXX. The insurance division will not even speak to me as my ex-husband 's name is the only one on the mortgage at this point (? ). In fact, when you delve into this, you will have to use his name, they do not show me on the mortgage at all. They will not issue MY insurance claim check. It has been a year and a half. As the ice dam melted, water come in between the walls. I know mold has been growing - I can smell it in one of the ( finished ) downstairs rooms. It is now going to cost me much more than $ XXXX to fix the escalating problem. But yet they still wo n't recognize me as the owner of the property since according to them, the mortgage is in arrears so they ca n't do a transfer ( But, when I applied I was not in arrears ).
Consumer complaint received 2016-05-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

Ocwen Loan Servicing has engaged in unfair practices by systematically imposing obstacles to make it as difficult as possible for me ( and presumably all customers ) to obtain a pay off quote for my home mortgage loan. Ocwen 's practice of obstructing customers ' access to pay off quotes is harmful because it prevents customers from obtaining information necessary to re-finance home mortgage loans at lower rates, while allowing Ocwen to continue collecting interest from customers at higher rates. When I called Ocwen to obtain my pay-off quote I was told that they could not provide it to me. When I pressed, I was told the only way they would provide it is by mail. It has been more than 10 days now, and I still have not received the quote by mail. I attempted to retrieve the pay off quote online, and Ocwen again placed several barriers to access my account including : a minimum four business day waiting period, requiring me to include my XXXX digit zip code ( rather than the normal XXXX digit zip code ), requiring me to re-register my account and re-setting my user ID and password. Even after completing these tasks, the Ocwen website advised that it would take several days to email the pay off quote. I continue to await the pay off quote, while missing out on opportunities to re-finance my mortgage.
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (IN)

I receive notification from court that I was being sued for credit card debt that was purchased by collection agency. They said that I bought sent over {$3000.00} at Zales for earrings. I did have a Zales credit card but I never used it and assumed the account was closed. I sent in a response back in 2020 that I disputed the debt and never heard anything back. I also disputed the debt on my credit report and it was removed. In XXXX of this year I received a notification from my job about possible garnishments. Apparently, there have been multiple hearings that I was not notified about to be able to defend my side. When I contacted the collection agency, they keep saying they are gon na send me information from the Zales but all they sent was a statement.
Consumer complaint received 2016-12-20
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (NY)

I had a CD with Synchrony. When it matured, they rolled it over without asking ( fine print in the contract ). I called TWO DAYS later, but they were adamant. Told them they can keep the interest earned since it rolled over, but they charged interest on the FUTURE time that the CD would be with them - six months ' worth. 
I called and explained there was a death in the family and that is why I needed the money. They asked for it in writing, saying they would break the CD and not charge a fee. 
I sent them the letter, but they never bothered to respond. They mailed a check, deducting the money they basically stole from me. They took half of the interest from the previous year. 
When I called, their representatives said they had made a mistake, but that they would not pay for it. They did not hide the fact that they had my money, there was nothing I could do about it and that they did not care what their customer thought of their actions.
Consumer complaint received 2016-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (KY)

I received a letter from Professional Account Manangement, LLC regarding " several attempts to contact me '' for XXXX unpaid parking citations. I checked with www.dmv.dc.gov to ensure my balance was paid. It stated my balance was {$0.00}. 

I do not owe this said debt of {$60.00} and this company is threatening to report it to credit bureaus. Please advise asap. 

XXXX XXXX
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

I sent a wire to completely pay off my morgage with Ocwen to their bank ( XXXX XXXX ) using the routing and account number they provided me in XXXX 2014. They stated that the name didnt match the account and XXXX XXXX refused to give me my money back and Ocwen has bullied and intimidated me ( an XXXX woman ) into continuing to make payments and refuses to apply the {$4300.00} to my mortgage balance. I am sick of being tortured and taken advantage of by Ocwen, they are truly an evil corportation that apaprently enjoys bullying and swindling XXXX women out of their money.
Consumer complaint received 2015-04-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

Received a call from Navient 's Recovery department on XXXX XXXX, 2015 explaining to me if I did not accept XXXX of XXXX deals by Monday, XXXX XXXX, 2015 they will proceed with filing the paperwork to put a lien on the house and garnish payroll. 
I tried explaining to them that I do not have the money and explained to them what I can pay monthly and they did not want accept. So again the threats continued explaining all assest will have a lien placed on them by Navient if XXXX of the XXXX plans are not accepted. 
We placed the loan on forbearance not understanding what she dummed down for me now, was that the loan would XXXX if we place it on forbearance.
Consumer complaint received 2015-11-24
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have a home equity line of credit with XXXX XXXX in the amount of {$100000.00}. I am using this line of credit to pay for home improvements. XXXX XXXX would not increase the amount of credit which is insufficient to my needs, so I applied for a larger line of credit with Bank of. After I had applied, BofA, without my authorization, sent a notice to XXXX XXXX that they intended to pay off my XXXX XXXX XXXX ( balance is around {$9000.00} ) with my BofA loan. As a result of that notice, XXXX XXXX froze my line of credit which makes me unable to pay for the renovations that are ongoing. I owe contractors thousands of dollars in the coming days. To unfreeze my loan, XXXX XXXX requires that BofA send in writing a notice that they are rescinding or voiding the payoff notice. BofA refuses to send this notice. As a result, I no longer have access to funds under the terms and conditions of my XXXX XXXX loan which I have fully abided by. BofA should not have sent, and XXXX XXXX should not have acted upon the payoff/freeze request without my authorization. 
Please help me resolve this issue.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX reports a balance that is XXXX ( XXXX ) times what it should be. Balance should be around XXXX  ( XXXX ) XXXX dollars for this account/trade line but is reporting with a balance in excess of XXXX XXXX XXXX XXXX XXXX XXXX dollars to XXXX, XXXX, and TransUnion XXXX XXXX has also failed to send billing statements to correct address and thus has not provided me with statements consistent with CFPB interpretation of Regulation Z. While statements may be alleged to be available online, I am a XXXX individual that suffers from XXXX that leads to periods of photo- and phono- XXXX making it difficult ( and painful ) for me to retrieve statements online during episodes. As such, I rely upon paper statements.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

My loan servicer, Navient, has been placing my loans in deferment for the past 2-3 years without my consent and reporting to the credit bureaus that my loan payments are past due. If Navient is deferring them, how are they past due? It is damaging my credit rating.