davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-04
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (FL)

In late XXXX, I applied for a membership in Navy Federal Credit Union because I am an XXXX of the XXXX XXXX. I planned to obtain a promissory note to purchase a used vehicle. A few weeks after they approved me for membership over the phone and sent me a promissory note and security agreement, I was unable to log into their website to view my account. After speaking to several representatives, I learned that I needed to " verify my eligibility '' by submitting documents proving that I am in the military. When I asked them why I did not receive an email or phone call informing me of this issue, I received no explanation, but I was re-granted membership in the credit union. Then, after driving the car for an entire month, I learned from NFCU that because I purchased a salvage title vehicle ( it is a theft recovery with no history of collision ), a fact which I did not hide from them and which was freely available to them on the state 's XXXX XXXX search website, my loan would be converted to a " signature loan, '' and the interest rate would go from 5 % to as high as 18 %! I asked why they missed the " salvage '' brand in the title search, but they told me it was my responsibility to inform NFCU and that I was lucky enough to be paying the lower interest rate until the loan is converted to a signature loan. A representative pointed me to a sentence buried in the middle of a paragraph on the XXXX page of the security agreement that I signed to justify this interest rate hike. It reads : " The owner ( s ) will maintain property insurance on the collateral covered by this Security Agreement against loss and damage with a collision deductible of no more than {$500.00}. '' He told me that this sentence justified NFCU retroactively hiking my interest rate because buying a car with a salvage title constituted breach of an agreement to maintain insurance on the collateral. I have insured this vehicle through XXXX, and their representative informed me that I had collision insurance up to the vehicle 's value. I did not realize that a salvage title would severely reduce the vehicle 's value, but I also did not nor do I think that this sentence in the security agreement or any of the statements made to me before I purchased my vehicle justify the interest rate hike that NFCU is trying to impose on me. In my opinion, the fault does not lie with an unsophisticated consumer, but with an enormous banking institution that failed to do its job by giving easy credit without doing its due diligence.
Consumer complaint received 2016-07-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (TX)

Schlee & Stillman , LLC is attempting to collect on a debt that I do not owe. They are threatening to garnish wages and sue me for medical billing I have never acquired at a hospital I have never been to. The last XXXX digits given do NOT match my SS #. 

I would like to have a cease and desist put against this company on my behalf. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MI)

I began repaying my parent plus loan for my son in XXXX XXXX  2017. From the very first time I have not been able to use the automated phone system, nor log into my account, and when I want to speak to customer service when the automated system says it " does n't recognize my acct number or social security number as a valid ID ' '' they schedule me with a " call back '' which is more than 24 hours later. I have to choose an appointment time to speak with customer service to make a payment. And quite often I am told " sorry that time is not available. '' I have been told many different stories as to what the problem is- including that my acct is linked to " someone else with the same social security number. '' This is frightening. When I ask them who it is- they tell me they " ca n't share that info with me. '' Yet they recently sent MY XXXX a bill with someone else 's name on it and then freely discussed my name with my XXXX. I am SICK OF DEALING WITH THESE PEOPLE!!!!! They have told me multiple times they can " fix the problem. '' And " a supervisor will call me. '' Which has never happened. This company makes it IMPOSSIBLE TO PAY THEM!!!
Consumer complaint received 2015-07-12
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC. (CA)

Hello. My name is XXXX. I took out a payday loan through a company called XXXX. I went through a company called XXXX XXXX to mediate a settlement and they took money out of my account for 7 months and it was to go into an escrow account. Needless to say I paid for services I never received and they are no longer in business. Long story short I took out a loan for {$3400.00} on XXXX/XXXX/13 I mad a total of 12 payments for a total of {$3200.00} and I tried to mediate a settlement through XXXX XXXX. Now I am being bombarded with phone calls from XXXX XXXX XXXX ( XXXX ) XXXX. The interest is extremely high and at the end of the day 13 payments later I would have paid {$7100.00} with interest being {$3700.00}. Do you represent this type of cases? Do I need an attorney? Is there room for compromise? These people are trying to serve me papers, there is a person that text me and when you call back there is a lot of threats, as well as from the phone calls. They have turned it into collections of which has been recorded on my credit report. It 's a night mare. Please advise if you could help me and what fee 's will be. Thank you, XXXX
Consumer complaint received 2023-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (AZ)

This initial debt goes back to my old property down in XXXX XXXX NV, initially owned by XXXX XXXX XXXX and now owned by Zion Debt Holdings who purchased said account. Initially, I have spoken to XXXX, XXXX XXXX XXXX XXXX XXXX who harassed me over the phone when I told them multiple times that this contract was passed on to the new owner. 
The listed complaint in question is for address XXXX XXXX XXXX, XXXX XXXX NV XXXX on XXXX and the property was sold. 

As per the Nevada Real Estate Residential Purchase Agreement.

FIXTURES AND PERSONAL PROPERTY : The following items will be transferred, free of liens, with the sale of the Property with no real value unless stated otherwise herein. Unless an item is covered under Section 7 ( F ) of this Agreement, all items are transferred in an AS IS condition. All EXISTING fixtures and fittings including, but not limited to : electrical, mechanical, lighting, plumbing and heating fixtures, ceiling fan ( s ), fireplace insert ( s ), gas logs and grates, solar power system ( s ), built-in appliance ( s ) including ranges/ovens, window and door screens, awnings, shutters, window coverings, attached floor covering ( s ), television antenna ( s ), satellite dish ( es ), private integrated telephone systems, air coolers/conditioner ( s ), pool/spa equipment, garage door opener ( s ) /remote control ( s ), mailbox, in-ground landscaping, trees/shrub ( s ), water softener ( s ), water purifiers, security systems/alarm ( s ) ; Section 7 ( F ) Listed the alarm. 

I have contacted XXXX and have told them multiple times that there was a new owner and to be in contact with them. They continued to call to collect. 

In addition, the two subsequent companies, now Zion Debt Holdings who's holding the contract. 

The contract in question doesn't have a note that I have sold the contract and/or contacted the company to cancel. 

Now, Zion has arbitrarily placed a collections mark in my account dropping my credit score hurting me financially as I can not get any type of lines of credit and/or corporate credit cards affecting my work. 

I have nothing to do with this debt and I want this removed from my credit and this company to cease and desist from contacting me.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Recently XXXX approved me a XXXX XXXX and a few weeks ago I registered with XXXX and now I was exploring the XXXX app and I saw that I have 2 hard inquiries that I do not recognize and they were not authorized by me XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX These hard queries do not belong to me, have not been authorized by me, and should be removed.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACS Education Services (SD)

In XX/XX/XXXX a debt collector for XXXX XXXX XXXX claimed I owed a " ULT '' student loan at University XXXX XXXX XXXX XXXX ( XXXX ). The debt collector claimed to be working for the government institution XXXX but then they directed me to pay the commercial company ACS. I asked for promissory note and any other documentation. They said they do not have a promissory note and sent me computer screen print outs. In a letter was threatened that if I challenge their claim they would raise my interest rate to 18 %. I then contacted the Department of Education and The National Student Loan Database asking about the loan and the agency ACS. I have found that there is no record of any " ULT '' student loan. I have done my own research and have never found a such loan called " ULT ''. I have printed my entire student loan history. I have receipts showing XXXX balance on student loans at XXXX. On XX/XX/XXXX I tried to access my transcripts and discovered there was a hold. This hold on my transcripts was my cause to sue and I filed a lawsuit for fraud on XX/XX/XXXX. I have since discovered a trail of fraud including a XX/XX/XXXX tax intercept and that they ( ACS and or XXXX ) were debt collecting concealed under a different name in XX/XX/XXXX on my credit report. When I did a debt of validation on my XXXX credit report to dispute a unknown claim I won that debt of validation and their claim was removed. At that time I had no cause to sue due to the concealment I was not able to make the connection that ACS was in fact XXXX frauduently attempting to collect a non existent debt. After I filed the lawsuit I was contacted by an attorney for XXXX asking me to sign something and they will give me my transcripts. I of course refused to sign anything. This is 100 % fraud and I have collected a great deal of documentation to prove it. I have since been to 3 court dates where the attorney for ACS still has not provided any documentation of any debt instead has continually tried to delay the proceedings by not sending me notices and filing motions to dismiss. The next court date is XX/XX/XXXX.
Consumer complaint received 2023-10-11
Product: Credit 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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2023, two charges were made on our credit card, using a " XXXX '' machine. Both charges were in identical amounts of XXXX XXXX ( or {$4200.00} total ) to two businesses located in XXXX. On this date we were traveling from XXXX to XXXX, using rail service. We learned of the fraud charges after returning to the US and receiving the credit card monthly statement. We immediately reported the fraud to Barclays. The company initially responded by reversing the charges on XX/XX/XXXX. We told the company that we still possessed the credit cards, and they issued new replacement cards. Following their investigation, they reinstated the charges on XX/XX/XXXX. On XX/XX/XXXX, we received two contradictory letters from Barclays, one saying we were not responsible for the charges, and the other saying we were responsible. On XX/XX/XXXX, we mailed a letter to Barclays sitting out our position of why the charges were fraud and how our credit card was out of our view on separate occasions on XX/XX/XXXX. On XX/XX/XXXX, we received another letter from Barclays, confirming their decision that the charges were valid and we had a responsibility to pay. We still dispute this decision. We note that a " XXXX '' device is hand held, some small enough to fit in a pocket, and easily used for fraud. We received no impression from Barclays that they actually investigated the two companies located in XXXX.
Consumer complaint received 2017-07-29
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: EQUIFAX, INC. (TX)

I have a ton of automobile inquires ranging from XXXX -XXXX and XXXX  mortgage inquiry in 2017 that I do not recognize nor did I authorize. I have tried to dispute this with the credit bureau ( XXXX, Equifax, and XXXX ) via fax, email, and phone. Then continuously tell me that I these are statements of fact and I applied for credit and they ca n't be removed. One employee of XXXX told me that I applied for this credit even after I told him several times, I did not. So the fact is that companies can place a hard inquiry on my credit report without my authorization. I 'm not talking about the firm offer of credit, insurance, court order. Those I understand but these hard inquires are neither. That is pretty alarming and I want resolve this issue without having to mail letters to 35 different cm having to
Consumer complaint received 2017-11-27
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. (WI)

I have recently pulled my XXXX and TransUnion credit reports and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by XXXX. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. They must be deleted in order to show my true credit history. 

The Fair Credit Reporting Act, 15 U.S.C. 1681, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. 

XXXX has removed all the accounts listed below XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (FL)

I have a private student loan with Wells Fargo and I paid the loan faithfully for 4 years. The loan started out at about XXXX, and only reduced to XXXX after 4 years of payments at {$250.00} a month. I received a forbearance when I was enrolled in school for 6 months, then I was informed that my payment was increased to $ XXXXmonth. I called Wells Fargo numerous times in an attempt to resolve the issue and come to an affordable payment option but I was unsuccessful. I am in default at this time due to an inability to pay and lack of assistance on their end.
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

Dear XXXX CFPB : Im a survivor of a XXXX, and now Im working, due to a financial issues, I purchased my home in XXXX XXXX XXXX XXXX XXXX Ca XXXX, for {$700000.00} and put a down payment for {$150000.00} I was stilled employed in the city of XXXX XXXX and earning {$75000.00} a year, after we got in the home we discovered that the house has a severe fire damaged, they re-paint, reconciled it with new sit ruck, we went to court, and there was a misrepresentation, fraudand negligence, but I was not awarded a monitory fund, due to my lawyers, missing someimportant documnts, to showed to the judge. I have to withdrawn my XXXX for {$75000.00} and {$15000.00} to supplement the legal fees, and fixed some parts of the house. At that time Im under a forbearance payment, the original mortgaged was XXXX XXXX, and they file bankcrufsy XXXX, on 2008, then my mortgaged become, US bank, Im under forbearance payment, and never missed the payment, but my house was wrongfully foreclosed, US bank sold it to the investors instead, I was given an eligible for Independent foreclosure review, and was awarded some money, I lost every thing, and what Im asking to US bank, that since they wrongfully forclosure my house, and denied my modification, instead they sold it to the investors for more than 65 % due to the fire damaged of the house, they should removed my forclosure records, because I never missed any payment to XXXX at that time, then US bank took over, and the federal banking regulators the office of the comptroller of the currency and the office of the governors of the federal reserve system, granted me an eligibility from this wrongfull forclosure. US bank should removed my records, Hoping for your prompt reply to this matter,
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (ID)

I have XXXX broken apartment Lease agreements ( not mine ) from my ex husband being reported on my credit I have sent XXXX letters asking them to be removed ( XXXX one in XXXX 2015 then every 45 days following ) and sent attached copies of my divorce etc ... They refuse to investigate or contact the leasing company to verify this info so I am at a loss of where to turn ... .The leasing co are XXXX XXXX XXXX and XXXX in XXXX XXXX Texas
Consumer complaint received 2017-11-27
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. (MA)

On XX/XX/XXXX I completed a Student Loan Consolidation with XXXX XXXX XXXX XXXX XXXX. Every month since then the monthly payments are automatically deducted from my checking account. On XX/XX/XXXX I  received a Credit Alert stating that my score had dropped from XXXX to XXXX because my student loan payments were 90 days late. I contacted the XXXX XXXX XXXX and they said that my account was due for a recertification. I asked why I had not been notified and the representative did not have an answer. On XX/XX/XXXX XXXX XXXX XXXX sent me a notice to recertify. 

The payments have been made every month and yet a report was filed with the credit reporting agencies stating that I was 90 days behind. I believe that XXXX XXXX XXXX XXXX XXXX is responsible for this negative action. In addition to my monthly student loan payments I pay them to handle my account. They failed to do the work and notify me when it was time to recertify. This resulted in a drop of over 100 points on my credit reports. I need them to take care of this and get my credit standing to where I keep it.
Consumer complaint received 2017-07-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (GA)

CASE # XXXX XX/XX/XXXX.CLAIM THEY ARE WORKING ON MODIFY. FALSE NEW CASE OCWEN IS USING FALSE NAME OF BANKS TO CLOSED ON HOMES, FOR PROFIT..MANY NAMES ONE IS XXXX XXXX XXXX .WHOM ONLY HOLD THE BOND & SECURITY OCWEN, PER OUR CONVERSATION OCWEN ALWAYS USE THERE NAMES. THIS IS WRONG, PERSON SAID HE HEAR IT ALL THE TIME. THIS BANK DO NOT CLOSED ON HOME..OCWEN DECIDE THIS HE. REQUESTED I CONTACT CONSUMER PROT.XX/XX/XXXX. FORWARD THIS INFO TO MY ATTORNEY ABOUT AUCTION OCWEN HAS DONE/ NO NOTICE JUST ONE LETTER..
THIS IS NEW CASE Ocwen loan, OCWEN TAKE TRIAL PAYMENTS AFTER YOU COMPLETE THE TRAIL NEW PAYMENT AT LOWER RATE SHOULD START.
I COMPLETED TRAIL PAYMENTS, MADE THE 1ST PAYMENT THE NEXT MONTH AFTER OCWEN INCREASE MY PAYMENTS BY XXXX TO XXXX.
ANOTHER LETTER, YOUR IN DEFAULT LOAN NOT MODIFY AFTER TRAIL PAYMENT OVER {$2000.00} S XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ON FIRST MONTH. BY ACH WIRE.
ON XX/XX/XXXX LETTER ARRIVE TO SAY HOME IS BEING AUCTION XX/XX/XXXX. ON XX/XX/XXXX I CALL OCWEN ASK WHAT IS THIS I WANT TO TALK TO MY RELATIONSHIP MGR. ( XXXX XXXX ) UNAVAIABLE I CAN HELLP RMA TOO.
I CAN SET UP APPOINTMENT XX/XX/XXXX XXXX, came home XXXX XXXX XXXX XXXX for Lunch for Hour early lunch stay to XXXX XXXX XXXX XXXX XXXX NO CALL, I CALL XXXX XXXX OCWEN ASK WHY NO ONE CALL. .CLAIM THEY CALL HOME I S, AID I BEEN HERE. NEXT NIGHT XXXX XXXX XXXX XXXX NO CALL, CALL AGAIN NOT MY RMA A. I ASK ABOUT MY APPOINTMENT, OCEN WE SORRY. WE RESETUP XX/XX/XXXX XXXX XXXX ANOTHER ( RM ) Relationship Mgr. GAVE HIS ID.I ASK WHERE IS XXXX XXXX MY RELATION MGR. IN my 3YEARS I HAVE NEVER TALK TO MY RELATIONSHIP. THIS is MADE UP NAME for reference. WHEN CALL OCWEN, NO.ANSWER TO MY RELATIONSHIP MGR. IT ALWAYS TRANFER TO A NEW RM OCWEN I CAN HELP. EMAILS FROM OCWEN AND LETTER TO FOLLOW AFTER THIS. START DOING THE RIGHT THING WITH PEOPLES BEEN NIGHMARE SINCE YOU TOOK OVER GMAC ACCOUNT XXXX
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AR)

For several months I have attempted get an explanation or get compensated for what I think are a set of unfair events. These events caused me to loose my home which was subsequently destroyed by fire. Wells Fargo stated that my loan was sold to another company which would not accept verification of my address as a mail box. My utility service was on at my home but the mailing address is the XXXX. XXXX which Wells Fargo had in its file for over 7 years. The only item remain to be considered for a work out was verification of utility service. The bill clearly stated that service was established at the address of the home. The request for modification was denied for this reason. my home was sold.
Consumer complaint received 2017-07-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (CO)

This company has call today XXXX/XXXX/17 at XXXX XXXX, XX/XX/XXXXat XXXX  and XX/XX/XXXX at XXXX. Just from this phone number. This is after there were told that XXXX XXXX XXXX was handling this and they needed to contact them.