davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

On XX/XX/2016 I sent in my monthly mortgage payment to Ocwen for the month of XX/XX/2016. ( check # XXXX ). I am always a month ahead in payments. ( see attached ) Ocwen cashed that check on XX/XX/2016. I was expecting to receive my next payment coupon from them for XX/XX/2016 but by XX/XX/2016 I had not received it, so I sent Ocwen a email asking why I had not gotten it yet and on XX/XX/2016 I received a email from them that stated ( see attached ) a mortgage account statement is sent either when a payment is received or when a payment is not received by the end of the grace period, whichever is earlier. But as I just stated they DID RECEIVE my payment for the month of XX/XX/2016 ( see attached ) but have failed to send me XX/XX/2016 payment and here it is XX/XX/2016. I decided to give them the benefit of the doubt and and wait to see if they would send me my next payment. On XX/XX/2016 I still have n't received a payment coupon for XX/XX/2016 payment so I sent them another email stating that I am still waiting for it. I have not signed up for paperless billing and I never will. Ocwen suggested in their email to me that I just send in the payment without the payment coupon. I will probably have to end up doing this because of their negligence. I am scared to think of what problems lie ahead because of not having that payment coupon. This is not the first time Ocwen has failed to send a payment for the following month mortgage.
Consumer complaint received 2016-12-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY (TX)

TD AUTOFINANCE approved an auto loan with a substantial down payment ( {$15000.00} ) on XXXX XXXX, 2016 and delivery of the truck was that date. Afterwards they spent over a month asking for more information and in fact refused to fund the dealer for over 30 days. The loan was pre-approved. TD Autofinance also refused to take an online payment by debit card on the date of the first payment even though it was only 8 days after the loan was funded. This after they actively advertise online payments. They are now reporting the payment late, trying to collect a late fee, and should n't even have a payment due yet. They took a check payment online charging us over {$500.00} in unearned interest. Of course, by doing so they forced the payment to be late since they would not submit it until the day after it is due. Contrary to a debit card which will clear by midnight on the day it is due. We contacted TD Autofinance over a week ago inquiring into the whole transaction and were told that our payment was due no matter what. I 'm convinced that this is an ongoing criminal enterprise! Based on my research, interest is due in arrears and only earned interest at that. I requested a reset of the first due date to properly reflect interest earned and TD told me to stuff it.
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

The Honorable FDIC Complaints Request Response to XXXX SENATORS REQUESTS : i filed charging highest-complaints against Bank of America in breaking record requests notification to XXXX Senators and XXXX XXXX at formal requests : I am not happy with Bank of America refused serve to a XXXX individual who applied credit card made declined and they made denial credit card because of overdraft and worst horror credit records discrimination addresses as they insulted me in XXXX call out addresses report to XXXX Senators and XXXX XXXX knowledge what wrong with Bank of America. Bank of America made hatred against XXXX individual that horror discrimination harmful credit card records. I am not happy with Bank of America 's credit card as insulted me dumbest individual as they laughed at me in poorest XXXX account! Bank of America refused removed bad credit records and bad overdraft records that they criticized against my checking account notification to XXXX SENATORS and XXXX XXXX and XXXX XXXX XXXX charging enforcement requests.
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southern Management Systems Inc. (FL)

Southern management systems collection company reported a debt of {$5200.00} on my credit report with hideaway north as the original creditor. I disputed this amount with the credit bureau and they dropped the inflated amount to {$3000.00}. I further went ahead and negotiated the debt with southern management systems down to {$2200.00} with the agreement that southern management systems will remove this debt completely from my credit report and the original creditor hideaway north will withdraw their petition for a civil lawsuit against me.. I paid off the whole balance of {$2200.00} in one payment on XXXX/XXXX/2016. Southern management systems informed me upon payment that the next day XXXX/XXXX/2016, they southern management systems will report the debt to be deleted. Contrary to what the told me they went ahead and reported the debt on XXXX/XXXX/2016 as still being owed and as a result of that XXXX is refusing to remove this from my credit report even though I have sent them a letter showing the balance as paid off and showing a categoric request by southern management systems to have this account absolutely deleted from my credit report. The credit bureau can confidently confirm that on XXXX/XXXX/2016 southern management systems reported the debt as still being owed and the recorded conversation between me and the staff at southern management will also confirm their insistence on the fact that on XXXX/XXXX/2016 they reported the account as paid and to be deleted of my credit report. They have been intentionally lying to me when they know they have reported the debt as unpaid but then keep telling me the opposite. I have spent hours on the phone with both the credit bureaus and the collection company and the collection company refuses to honour our agreement.
Consumer complaint received 2016-06-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

I was a student at XXXX -- and I believe I was a victim of fraud or other violations of state law by the school, and I wish to file a claim for " borrower defense to repayment. '' I was promised a guarantee of what my salary would be and the types of jobs that would be open to me. I have not found any job that pays even half of what I was promised and I am unable to pay for my student loans, my credit has been severely damaged because of this, I am unable to purchase a home, or a car. The entire situation has caused extreme hardship for myself and my wife. I was promised a better life, which the complete opposite has happened after my attendance, we suffer everyday because of my attendance at XXXX. The recruiter came to my home and lied about the school, what would happen and even how long it would take for me to complete my education. 

I attended XXXX at the XXXX XXXX campus beginning XX/XX/XXXX - XX/XX/XXXX My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am writing because I was trying to buy a home and the lender approved me, but then they found out that Bank of America ( my previous lender ) had waited 5 years before foreclosing on a property I had surrendered in a XXXX bankruptcy. 
So instead of having good credit ( score XXXX ) and being approved to buy a house ( thanks to the 7 year rule for bankruptcy ), I ca n't buy, thanks to Bank of America. 
How is it legal for a bank to do this? There is a law that my bankruptcy is ignored on my credit after 7 years, but apparently B of A has found a way to get around this and hurt borrowers for years and years? 
B of A actually caused my bankruptcy. They would not adjust my loans and would not explain why I did not qualify for that, and they lied to me repeated on the phone about my loans. Now this. 
If I need to word this as a complaint, it is simply that my credit should be good now, since 7 years have passed, but thanks to B of A postponing foreclosure, my credit is still bad and will be for five more years. 
Yes, the current lender had suggestions, but they boiled down to a much, much higher interest rate ( nearly 7 % ), much larger origination fees, and just a bad mortgage. So those of us who got hurt in the " recession '' of XXXX are again punished. I wo n't buy a house at nearly 7 %. 
Thank you for listening.
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Atlantic Credit & Finance, Inc. (SC)

This company called me today and threatening to take me to court if I did not set up some kind of arrangement with them today. They said the papers where laying on there desk and ready to be sent. I told them that I was not able to work because of health problems and that I have applied for XXXX. I have no money. My wife is the only one working and she is trying to keep us a float. They would not listen to me and ask what bank we used and called the bank and put us on three way and set it up to where money would come out of our savings on Monday. How can money come out of something when you do n't have money in there. I keep on telling them that we needed to wait on my wife because I just have a card to show at the bank when I did work to get my check cashed. I do not have a bank card or anything like that my wife has it all and it is all in her name. He even said that me and my wife can have the argument or fight but it was going to be settled today. I was on the phone with these people for about two hours and they say it was being recorded so lets hear if everything they said to me is on the recording. When I got off the phone with these people my chest was so tight. I do not handle to many of the bills my wife does. I keep on telling these people that I could not hear them good to just wait till my wife got home from work but they would not hear of it.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (AZ)

I noticed an inquiry from CITIBANK NA/THD Date of Inquiry XX/XX/2022. I submitted a written, certified letter to XXXX that this was not an approved inquiry. I also called Citibank Na/THD and they agreed to send a letter to explaining that they did not have any authorization on file to pull a hard credit report and requested the inquiry be removed. XXXX has chosen to ignore this information and to provide any further investigation after repeated letters/calls and attempts to have this removed.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America sent notification that they reduced my credit limit from XXXX to XXXX. They cited generic reasons in relation to my credit report ; " recent delinquency on one or more of your accounts '' and " insufficient credit history. '' My account was one month past due in the amount of roughly {$50.00}, the entire account balance. Their customer service representative and manager refused to provide me with specific information as to why they reduced my credit limit by {$12000.00}, despite being a responsible credit consumer of their institution since 2003. I have excellent payment history and good credit. I feel that this action is excessive and has a disproportionate impact on my credit score. They refused to send it for secondary review and told me my only recourse was to request a credit line increase, which would further negatively impact my credit score.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX, I sent a check for {$99.00} to Citibank as payment for my wife 's credit card. The money was not applied to her credit card. Instead, it was inadvertently applied to XXXX of my closed credit cards which was discharged in a bankruptcy in XX/XX/XXXX. I called Citibank on XX/XX/XXXX and inquired about the payment, informing them that I had mailed a check for {$99.00} for my wife 's Citibank credit card, but the payment was not showing on her account. Citibank informed me that they had mistakenly applied the {$99.00} to XXXX of my credit cards that had been discharged in a XX/XX/XXXX bankruptcy instead of my wife 's current Citibank credit card. They then informed me that they would be mailing a refund to me for {$99.00} no later than XX/XX/XXXX. Today is XX/XX/XXXX, and I still have not received the refund. I contacted Citibank again today and they told me that there is a possibility that I will NOT receive a refund, without giving an explanation why. As stated earlier, Citibank has acknowledged their mistake by applying the funds to an account which was closed in XX/XX/XXXX and discharged in bankruptcy.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2016-12-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION (RI)

I make my car payment every month over the phone and usually they call me. I make the phone call to make the payment over the phone and I told the lady that I did n't have my account number with me ; after she asked me many questions at the end she asked for the last digits of the accounts otherwise I was not going to be able to make the payment. After all that time wasted she ended up saying that to me?? 
I insulted that woman ; then I asked for the supervisor and she hanged on me when I was explaining her what happened. 
I told them I 'm making a payment. Can you believe that? 
I was n't withdrawing any money from them. 
The customer service representative never ever mentioned that she was asking for the checking account number.
Consumer complaint received 2015-05-20
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

Frederick J. Hanna & Associates , P.C . Attorney XXXX XXXX XXXX filed a Civil Action against me and was awarded a Judgement because they falsified the Affidavit Of Service stating XXXX XXXX XXXX served me the Summons by serving my wife. I 'm not married and was not living at the address where they claim the Summons was served. The date of service was XXXX and I moved from the resident on XX/XX/XXXX as documented in the enclosed attachments. The Plaintiff was awarded a Judgement of {$2400.00} plus attorney fees, interest and court costs. The amount is now {$4400.00} and a Judgement on my credit. As result of the Improper Service of the Summons, I was unaware of the Civil Action against me and did n't have the opportunity to defend the charges against me.
Consumer complaint received 2016-08-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

For months now, Navient has continued to improperly bill me for Private Student Loans that have been paid off. Following some refunding they did re : an earlier issue in XXXX of this year, in XXXX, they missed billed me for {$600.00}. After a couple of calls to them, a refund of that amount was set up, and the XXXX Navient Rep. I called in this regard guaranteed the he made the needed changes to their automatic billing system so that the incorrect billing would not reoccur. But, on XXXX XXXX, it happened again for that same amount. After several phone calls, I was told that, supposedly, the refund for XXXX had been approved and is was awaiting for their Monetary Department to make it happen. Today is XXXX XXXX, and the refund still has not arrived. I am having a hard time deciding if it is their plan to stall and hold onto such moneys for their financial gain, or if it is simply ineptitude. Either way, shame on Navient!
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I would like to upload you my loan statements so you can see how my payments have been misappropriated on my Parent Plus Loan. The times I 've called for explanation, the person answering the phone sounds like a college student and the only advice they give me is to " make larger payments on the principle and you 'll see the balance go down. '' I had complained several times that my balance owed NEVER GOES DOWN even after making regular monthly payments of $ XXXX/month. Last month they notified me that my monthly payment is going up. Early on they dumped {$10000.00} of capitalized interest into the loans which were in deferment while my son was in school. At least 21 months they applied none of my payment to principle, only interest. Please help.
Consumer complaint received 2015-07-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Madison Management Services, LLC (AZ)

I currently own my home at XXXX XXXX XXXX XXXX, XXXX, AZ XXXXIn 2010 I filed Chapter XXXX and choose to keep my house. I had a XXXX and XXXX mortgage which I choose to service at the time and attempt to modify. My XXXX mortgage was successfully modified but the XXXX with XXXX XXXX Mortgage was not. They sold the loan during this process to XXXX XXXX. I could not come to terms with XXXX XXXX and as I understood it was discharged in my Chapter XXXX bankruptcy as shown on my XXXX credit report. That was in 2010. 
Recently, Madison Management LLC, from my understanding has purchased this old debt and is now trying to collect. They are doing so by foreclosing on my home. My research has brought me to the conclusion that this debt was purchased for pennies on the dollar. So not only is Madison Management, in my opinion harassing me on a Chapter XXXX discharged debt, but also have exuberantly inflated the amount owed. I 'm not sure if these strong arm tactics are legal because of my Chapter XXXX bankruptcy, and if it is legal, im not sure if this inflated debt owed is legal. In a settlement letter from Madison Management, they openly admitted that this debt was purchased at a discount and then a few sentences later say I owe approximately {$55000.00} when the original debt from XXXX XXXX was only {$36000.00}. Please help! Please let me know if I have a valid reason to stop these foreclosure proceedings. I am in good standing with my first mortgage company and also so you know, my home is still " underwater '' in value. 
Thank you.
Consumer complaint received 2016-12-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Billing error corrected XXXX, 2016. I have {$0.00} balance. Rash Curtis & Associates knows this when I demanded proof of debt in XXXX XXXX, 2016. 

I just received a new letter ( XXXX/XXXX/2016 ) with new account number for the SAME DEBT that was disputed 6 months ago. 

THIS IS FRAUD AND HARASSMENT I am sick, sick and tired of this lethargy. I am seeking legal advice.
Consumer complaint received 2016-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CO)

I am writing to dispute the following information that your company provided to XXXX Credit Bureau, XXXX XXXX XXXX, XXXX, TX XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 
This item : " Credit Limit/Original Amount '' and " Recent Balance '' is inaccurate because it portrays to prospective creditors and to the scoring algorithm of XXXX that I have exceeded my credit limit by more than {$15000.00} which creates a negative impact on my score. I am requesting that Navient have the item ( s ) correct their reporting metric to reflect my Credit Limit/Original Amount equal to my Recent Balance to correct the information. This is consistent with the way my student loans with XXXX XXXX are reported and those are not having a negative impact on my score or raising a concern with potential lenders. 
Enclosed is a copy of my XXXX Credit Report with Navient and XXXX XXXX sections circled supporting my position. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them correct the disputed item as soon as possible.