davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NJ)

I used home depot credit card charged {$210.00} on XXXX/XXXX/2015. 
I paid the bill of XXXX on XXXX/XXXX/2015 as the credit card company said that is including the interest. 
But the company keep to sending me the bill of late charge {$39.00} every month since then until now XXXX saying that because I paid XXXX is XXXX day late I have no idea of what after I paid whole balance bill with the late fee charge in full of their bill And they still keep to charge me the fee I have already paid in full And calling XXXX times day from XXXX to evening today XXXX, I had to pay {$78.00} for the company to finalize this pay by the customer service in the local home depot arrangement. 
This is not fair to me that I write this letter to you for your justifying.
Consumer complaint received 2016-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

AES Success mishandled my loans in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and consolidated all of my lower interest loans into XXXX higher interest rate loan. 

AES Success also never removed late fees and penalties on my loans after consolidation. 

AES Success capitalized late fees, penalties and interest on interest into the higher interest rate consolidation. 

AES Success also failed to properly account for principal paydowns in years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, when I made multiple payments, most of which were directed toward reducing the principal balance. 

I suspect that my current loan balance is overstated by {$4000.00} to {$5000.00} because of too-high interest expense, because of penalties and fees that were capitalized and because of fraudulent calculation of principal and interest payments. 

I request that the CFPB conduct a comprehensive audit of my student loan accounts with AES Success. I first want my interest rate on the consolidated loan to be changed back to the lower rate initially offered to me by AES Success. My consolidated loan 's interest rate is at least 1 % too high. My rate should be much lower!!! 

AES Success mishandled, misadvised and fraudulently handled my student loan application. I have paid dearly for their unprofessionalism. 

I also want a comprehensive audit to calculate all of the late fees, penalties and interest that accrued on my loans prior to consolidation. I want all of the fees and penalties removed, since they were the result of AES Success ' mishandling. 

Lastly, I want a comprehensive audit to calculate the proper amount of principal reductions that should have occurred in periods where I made multiple payments.
Consumer complaint received 2016-05-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

In XXXX 2015, I called to change my account type to a " Basic '' checking account. I experienced a job loss, and I was no longer able to meet the direct deposit requirement for a fee waiver. The representative performed the switch to a " Basic '' account which would lower the monthly service fee from {$25.00} to {$12.00}. This change was not actually performed, and I have been charged the {$25.00} fee for five months. The bank refuses to credit me for the five month period of fees, despite having no activity on the account. I 'd like a refund of the {$65.00} in additional fees charged due to the bank 's error. ( 5 months x {$25.00} ) - ( 5 months x {$12.00} )
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I tried to get my credit report from Equifax.com and in order to do so, I had to answer some security questions. None of them pertained to me. It said I had a mortgage in 2012 that I have never had, And also retail credit cards such as XXXX.. I 've never had any of the above. So I 'm not sure if someone has gotten these items in my name or what the issue is, Because I can not get in touch with anyone, There is only an automated system when you care Equifax. I 've issued a fraud alert.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

On XXXX/XXXX/15 I was on vacation in Florida. My drivers ' license as well as XXXX credit cards and a debit card were stolen. The criminals went on a shopping spree to some of the best department stores and bought items that should have thrown up a red flag to anyone paying attention to their job. Multiple designer watches, multiple designer perfumes and colognes. Macy 's was XXXX of the cards stolen. I called their customer service to cancel the card that same night once I realized the theft. By then there had been multiple large charges to the card. Police reports were filed with XXXX different police departments in Florida, XXXX XXXX, as well as XXXX, Florida. Upon some investigation in the mall where some of the purchases were made I was able to see XXXX of the receipts that were signed by the thief at a kiosk vendor. It was not my signature. At that time I called Macy 's and asked to speak to a manager about the theft. No-one ever returned my call. I visited mall security just to let them know about the theft. They were apologetic but unhelpful. On XXXX/XXXX/15 once I returned from vacation I sent in the letter disputing the charges. I sent another letter of dispute on XXXX/XXXX/15. I have called Macy 's trying to resolve the issue multiple times, each time speaking to someone different and no-one is able to tell me the status or if they have even received my information. I have spent literally hours on hold just trying to reach a customer service agent. The charges put me over the credit limit which was {$2000.00}. Macy 's has since submitted those fraudulent charges to all the credit reporting agencies which has severely damaged my credit rating. I was a victim of identity theft and still feel as if I 'm being victimized by a system that does n't seek to protect its consumers. To get a credit card you have to submit quite a bit of personal information, and when someone fraudulently steals your card no-one even asks for an ID. All the other cards were addressed and those matters were resolved with apologies. I 'm now being charged finance charges for all those fraudulent charges.
Consumer complaint received 2016-03-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (UT)

My Loan Modification finalized after a 3 month trial period, and new loan terms effective XXXX/XXXX/XXXX at which time the loan was to be brought current and all trial period payments applied. Selene Finance has been holding my mortgage payments in a suspense account, not applying them, since XX/XX/XXXX.No Interest has been reported to the IRS for XX/XX/XXXX. 
Selene has also been reporting this loan delinquent since XXXX/XXXX/XXXX. 
Both instances are in direct breach of the loan terms agreed upon. 
This loan was not finalized in a timely manner nor has the terms of the loan contract agreed upon been complied with. 
They have been a nightmare to deal with.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NM)

I have a XXXX and a XXXX mortgage with Ocwen Loan Servicing. These mortgages are upside down. I have applied TWICE for a loan modification on interest-only loans with very high interest rates ( The second mortgage interest rate is 12.75 % ) I am unable to make the mortgage payments since I lost my job in XXXX 2015. I am now on a fixed income and attempting to get a loan modification through HAMP ( Tier 1 ) Meanwhile, Ocwen Loan Servicing has received millions of dollars from the U.S. Treasury to help lenders ( taxpayers ) with circumstances such as mine. Yet, Ocwen refuses to follow the HAMP guidelines and will not provide a reasonable explanation for not following the guidelines. There are several XXXX similar complaints with the XXXX against Ocwen, and Ocwen has settled a class-action lawsuit from the CFPB for their fraudulent lending practices yet they seem to continue with their fraudulent practices. 
I am desperately in need of a remedy from Ocwen 's predatory lending practices, and I know that I am not the only borrower who is having problems with this lender ( despite the class-action lawsuit ). Can you please help! Another class-action lawsuit should seriously be considered against this lender.
Consumer complaint received 2017-03-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

I was put on a program paying {$400.00} an month for 12 months for all my student 's loans including the one I cosigned. Now I called them to check the status of the program and I was told that they XXXX I cosigned was not included. In good faith I made my first payment in XXXX and authorized Navient to take every month the amount of {$400.00} from my debit card every month. How it is that now that loan was not included? And even when I asked what 's lower that the monthly payment could be the representative reluctantly said there 's nothing she could do because the loan is not 90 days past due. They should n't be lying if they know that they ca n't combine the payments for every loan.
Consumer complaint received 2015-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (NJ)

my mortgage company states i did not pay 5 months of my mortgage. I have canceled checks from Selene Finance. I called they would not speak to me. told me to mail or e mail a dispute. Meantime they are refusing my last XXXX loan payments saying is not the amount owed. I have submitted the email with cancelled checks, after XXXX more phone calls - customer service states takes 30 days to even review- meanwhile Selene Finance is putting derogatory remarks on my credit for late payments. This is not the first encounter with this company of fraud attempts to default my loan. unfortunately i am unable to refinance due to this company saying i am behind in payments. This company NEEDS TO BE SHUT down.. I am not the only person they mess with. I have researched numerous complaints very similiar to mine on the internet posting regarding this company. I do understand the CEO of this company once was partner in NY firm and attempting similiar issues. I do hope you can help and eradicate this company, and stop this fraud business.
Consumer complaint received 2015-07-14
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (KY)

I have continuously been getting call regarding a debt I owe to XXXX in XXXX, KY. They are harassing phone calls. At first I was worried, so I called XXXX XXXX and asked them because I was confused. Stated that I thought I had paid my balance in full. I have worked with this comany for a few payday loans at this point and was almost 100 % my balance was XXXX. After calling them, they confirmed my account balance has been paid in full and they do not know why I would be getting these calls unless it was a scam. I have recently received a letter stating that I owe {$480.00} dollars almost a XXXX months later after their last call. I still do not owe this according to XXXX XXXX, and now I am scared this will affect my credit. I do not wish for a debt I owe to affect my credit, but am unsure where to turn. So here I am reporting what I believe to be fraud and so does XXXX XXXX. One of my biggest clues this was fraud was when the person on the end of the phone call called me a " good for nothing XXXX '' after I refused to pay the debt I did not owe or give them anymore information. This has to be stopped.
Consumer complaint received 2016-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (TN)

I am filing this complaint today against Jefferson Capital LLC because my credit monitoring service notified me on XXXX XXXX, 2016 that a collection was placed on my XXXX and XXXX reports by them. I have never heard of nor from this company and I have never entered into any legal agreement or contract to do business with them. Furthermore ; the debt they claim I owe them was illegally purchased and furnished on my credit file without my consent nor an opportunity to verify or validate debt per FDCPA. The debt has been previously deemed unverifiable and was removed from my credit file due to another illegal purchase once before. I have reached out to them and have asked them to please remove the unverifiable negative item from my credit reports and have been ignored so far. Please resolve the situation as soon as possible. Thank you.
Consumer complaint received 2015-09-18
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc. (IL)

This company, I have spoken to several times and agreed to make a payment arrangement. After doing so, I requested they not contact me again. They keep calling to set up the payment I already authorized, calling multiple times a day, often just before XXXX. The agents are extremely rude and blunt and completely unwilling to work with me when I do answer. In addition, when I do n't answer one number or block it they start calling from another. They have been extremely obnoxious and have even contacted friends and members of my family after being requested not to.
Consumer complaint received 2016-02-25
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (TN)

I signed for a car loan for XXXX XXXX, he has had car since purchase date of XXXX 2015. He has not made payments and I filed a suit in court to get car returned to me. He returned car to me at court on XXXX XXXX payment was 3 months behind. I paid on XXXX XXXX and on XXXX XXXX. As of today payments are caught up with exception of XXXX XXXX payment ( ten days past due ). I plan to pay this in the next couple weeks and try to sell the car. I explained this to XXXX XXXX at Wells Fargo extension XXXX several times. She keeps calling to have me set up a date to have it automatically taken out of my account, I have told her several times I do NOT want to do that, that I have made two payments this month and plan to get it caught up. She will not take no for an answer, she called me today at work, I told her I cant receive calls at work, she said well you answered did n't you, and she kept trying to keep me on the phone to set up a bill pay date to take it out of my account, I said no, she said why wont you do it? She is a very rude person who keeps calling me, even after payments have been made.
Consumer complaint received 2016-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc. (UT)

I was called by First Financial debt collection agency and I tried to call back but could n't get anyone on the phone. I was so worried I pulled my wife 's and my credit report just to find that nothing was wrong. I finally got a hold of someone to find they contacted me in error but now it still shows an inquiry on my report. I do n't know why they called me and it should never of happened because it made the XXXX of us panic.
Consumer complaint received 2016-08-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

I graduated from XXXX at the University XXXX in XXXX, after finishing XXXX at the University XXXX in XXXX. During my time at both of these schools, I had to take out private student loans in order to cover my cost of living, books, food, etc. Now, I am facing upwards of $ XXXX in private student loans. I have another $ XXXX or so in federal loans as well, but these are not the problem. My experience with the private loan companies has been XXXX. They are very rigid on your options for forbearance and deferment. They allow of short term and long term hardship options, but they are always in tandem with super strict requirements that you are unlikely to meet. I pay roughly {$1200.00} a month in student loans currently. My hardest payments being to the private loan servicers. I simply can not afford to keep making these payments and the companies will not work with me in any way to get the monthly payment more manageable. I also have a cosigner, but she 's my mom and honestly can not afford to be making these payments either. I 've been considering bankruptcy as an option, but I do n't want to force my parents into bankruptcy. I 've also been considering just defaulting on the loans with the hope that maybe they will be more willing to negotiate once I stop making payments or we are in court. I really do n't know what to do, but I feel stuck and suffocated by this debt.
Consumer complaint received 2016-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (OR)

Debt was discharged during short sale. In XXXX we sold our investment property in a short sale with Wells Fargo. We later received a XXXX from the lender, for the cancelled debt amount of {$8000.00}. Immediately after the short sale, we also started receiving statements from XXXX XXXX regarding this same shortage as though the cancelled debt was now owed to them. Not fully understanding the situation, my husband paid their invoices for over a year until he was advised by our accountant that we would not be responsible for both the cancellation of debt and the reimbursement of the short sale funds. We stopped making payments after XXXX XXXX. At the close of escrow we were required to sign a promissory note for {$8000.00} but we understood that we would either receive a cancellation of debit XXXX or the possibility of having to pay the promissory note. We were also advised that Oregon is not a " recapture '' state so it was very unlikely that the lender would attempt short sale recapture.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been a victim of identity theft. My social security number was originally mixed up with another woman 's because they differ by XXXX number and we have similar names. I have spent XXXX on investigations and removals of other items off my credit report that have been removed. However, its not enough. I cant ever get a decent deal on a car, get a credit card or apply for a home loan because of this. This is my last resort, i have done everything I can to solve it with the credit reporting bureaus and its still the same. I would someone to investigate the mix up. Because my identify was stolen by this person after one of the credit bureaus had first reported some of her credit items on my credit report. That was how she got a hold of my personal information in the first place. After that she took advantage and kept using my name to have creditors grant her credit under my name. I was able to delete most of those items from my credit report. However, the items I can not remove are the ones that are incorrectly reported on my credit report but are under her name and social security number. That is the reason why I can not get them removed. I need to know if there is something I can do. Thank you in advance.
Consumer complaint received 2017-03-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Hunt & Henriques (CA)

My judgement was satisfied, XX/XX/XXXX with Hunt and Henriques. 
According to the XXXX : H & H failed to : Release Document, Put County Name on Doc, Record Abstract, Record Instrument # On Doc, Failed To Report A Lien On Property ( Still There ). I sent original to XXXX XX/XX/XXXX who upon receipt told me, " Doc was never released, lien is active, Doc was prepared incorrectly and Recorder had to it return to Hunt and Henriques. '' ( I thought H & H had taken care of this over a year ago. ) To date, H & H has failed to return calls to recorders office or return the corrected and updated Satisfaction of Judgement. This has damaged my credit, and reputation ( XXXX shows my judgement as active on line ), XXXX just corrected XXXX over a year after I paid, and takes no responsibility for the Collectors ' actions, and the property shows an active lien. The property is unable to be sold with the lien.
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (NY)

Discovery Bank appears to be using the same tactics that XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX are accused of in the current lawsuit in Federal Court. 

Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XX/XX/XXXX, when he refused to dismiss the case against XXXX, he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. '' Highlighted below are Discover Bank 's tactics to use inaccurate reporting to facilitate penalizing the consumer. 

1 ) reporting missed payments after the account was charged off 2 ) reporting XXXX % credit utilization after account was charged off 3 ) reporting 31 90 day late payments in status 4 ) refusing to correct these errors after multiple attempts through all XXXX credit reporting agencies
Consumer complaint received 2015-09-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

Sun Trust closed my business account ( XXXX XXXX XXXX XXXX XXXX ) due to fraud. Never told me what the fraud was. There was no fraud and they have not given me my money back. I am a small business and am having a hard time staying in business. They owe me approx {$4700.00} and its been over a month. I want my money & Compensation for my loss of Income. A/c # XXXX. 
XXXX XXXX, XXXX