davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (SC)

My borrower, OCWEN Loan Servicing LLC has repeatedly caused me problems with disbursement of funds from an insurance claim check that I was given for repairs that I have paid for as a result of Hurricane XXXX in XXXX 2016. The XXXX insurance company paid my flood insurance claim within weeks of the loss and as per policy, the {$22000.00} check was written out to me, my wife and the mortgage companies ( OCWEN and XXXX XXXX XXXX ). XXXX XXXX XXXX had an authorized representative in their office endorse the check the day I received it in XXXX. In that time, I had paid a contractor to perform all of the repairs, and had receipts that they were paid in full. 

Numerous times I have called their toll free number and was given different requirements from OCWEN representatives ranging from " All you need to do is send the check and we will endorse it '' to a litany of different requirements. When I sent the check in XXXX, it was sent back, unsigned with a letter attached with a list of requirements as if I was waiting to have access to the funds in order to start the repairs. No phone call to clarify why then sent it back unsigned. In the interim, we were given piecemeal different requirements in order to get access to the funds such as copies of receipts, a XXXX form for the contractors, an affidavit which shows that the contractor could not put a lein on the house, among others ( why this was not specified prior, seems to be unknown ). Finally, once they have all of these documents, they ask for us to endorse the check and send it to them. While unsure of why, this process was not going to proceed without it, we reluctantly signed and sent if off again. 

The next issue that we came upon is that they did not accept the Adjuster 's worksheet which The XXXX hired to document to damage. They said it was invalid since the adjuster did not work for The XXXX. This caused us to contact the insurance agent and The XXXX for a letter stating that they hired the adjuster for this claim. 

They stated that they needed to send an inspector to verify that the work was complete. An inspector came and spent not one minute to verify that the repairs were completed. Another week went by and they claimed that they had received the inspection and that they were sending us the funds. The check arrived today and it was written out to us and the contractor, so we have to go to the contractor to get them to sign it before we can have access to the funds. 

It is unbelievable that this could not be resolved any easier. Should I have not had the resources to pay for the repairs, I would still be waiting for the work to start and be without heat in the house.
Consumer complaint received 2015-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (LA)

Automated system calls at various hours 7 days a week but when I answer there is a recording to call back, they are a debt collector. I have called back and been put on hold until I just hang up. I have no idea what they want or who they are. Our above number has been on the do-not-call registry since 2007. Additionally, we do n't have any debt.
Consumer complaint received 2024-03-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

This creditor appears on my credit report, and it is negatively affecting my ability to attain new credit. I have been back and forth with this company for over several months and have had no resolution to this issue. This account was opened fraudulently and without my consent. I have requested on several occasions for the original application and have been sent invoices instead.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2015-10-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I opened an account with citizens bank in XX/XX/XXXX at XXXX pa there was an offered during that time if you open a checking account you will receive XXXXbucks after 6 weeks of having the account opened I kept calling and they kept pushing the dates back they gave me a letter saying I shall receive funds by XXXX XXXX and I called the branch and no one knows what happened to my offered and they told me directly over the phone with they know if issued me the offered,. This is complete false advertisement and fraud..
Consumer complaint received 2021-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management (GA)

AmeriFinancial Solutions- account # XXXX Company is in violation of HIPPA, I did not authorize Original Creditor to sale my personal info to a random company. I signed paperwork ( under distress ) at the hospital to release my medical info to my primary care, and other doctors I was seeing in 2016. I asked company to PROPERLY validate the debt by showing bill of sale, my auth to sale my info to 3rd party, some proof that they now own this debt and have the rights to collect on it. Ive never rendered any services or goods with this company and do not wish to do business with them. I was sent a bill with my personal info, and procedures done ( please see attached files ). Company is not registerd in GEORGIA to do business!

I have made several attempts to reach out and resolve this matter with AmeriFinancial, but again, I DO NOT OWE these ppl any money! Please delete this account from my credit profiles. A letter of Intent was sent, and legal action will be taken pending the outcome of this investigation. 

REMOVE THIS ACCOUNT IMMEDIATELY!
Consumer complaint received 2020-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I got an email from my XXXX college email address from a XXXX XXXX XXXX He was looking for anyone willing to work as his XXXX  on a part time basis. I applied for the job position. He said he was a professor at the XXXX XXXX XXXX, part of my job responsibilities would be running errands, making payment, booking appointments e.t.c On XX/XX/XXXX he sent two checks to my email. {$3500.00} and {$3800.00}. He said i would make deposits on his behalf to some orphanage. He asked me to transfer {$2000.00} to XXXX XXXX using XXXX, i said no and that i only make transactions through my bank. I eventually sent {$1000.00} using XXXX through USAA. Then he started presuring me to send the rest of the money, i saw that as ared i called my bank and spoke to an agent to alert them that its fraud and to dispute the {$1000.00} transaction through XXXX. I filled a police report online with the XXXX XXXX police department. Right now my bank is charging m the {$1000.00}. as a returned check, and also a returned check fee. USAA said theres nothing they can do about it. I contacted XXXX, and was told the transcation has posted and there's nothing they can do about it. Am having to pay {$1000.00} that i do not have, am having to bear the brunt even after alerting my bank immediately within 10 minutes to cancel the transaction. Am surprised USAA will authorize XXXX on their banking website knowing fully well that XXXX has no customer or fraud protection. All am asking is my loss or claim of {$1000.00} that was charged to my account and the returned check fee be refunded. Am a victim of fraud and a banking system that has no fraud protection for its customers
Consumer complaint received 2017-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

This complaint is in reg ards to Navient recommending practices of loan repayment that are poor for both the U.S. governme nt in reducing debt and for the borrower. My current interest rate is at such a high rate that I am paying approximately {$820.00} a month in interest. Recently I re-enlisted in t he " Income Contingent Repayment Plan ''. During the course of my conversation with th e individual it was recommended that I seek another repayment option if my current plan was too high. He said that my monthly bill would go below {$400.00} per month. At that rate I would add over {$400.00} a month onto the principle once the interest is capitalized. the overall amount of money borrowed to go to school is already greater than what I actually borrowed. This is not a new tren d for Navient or in general  any student loan servicer. At that rate the overall student loan debt would continually increase across the board. These practices will lead to a student loan bubble collapse that could exceed  XXXX   XXXX  dollars worth of financial damage. Also during those interactions, I discovered that they have an automated system once I submit my application for income contingent repayment that removes my payment during the 15 day processing time frame and places me into forbearance. Because I have automatic repayment from my bank account I am given a reduced rate of 7.0 % from 7.25 %. However, because my payment is put into forbearance I have an increased rate up to 7.25 % for those 15 days. On average that me ans that Navient will make a n extra {$100.00} on my account. While that amount in general is not substantial to me, when it is expanded out to the number of people who have to submit applications for income contingent or income dependent plans the number grows to several  XXXX . Then, when you expand that out to the minimum repayment  of 15-20 years per plan it becomes evident that Navient is simply looking to increase profit against unsuspecting or unknowing consumers. I believe tha t this company represents a threat to the financial well being of this country, and they need to be handled accordingly.     Sincerely and looking to offer more insight into my dealings with this company,  XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (NY)

After three failed attempts to have Fay Servicing apply funds to outstanding late fees, I am submitting this complaint. I have contacted them three times by telephone. I have written them XXXX letters, as well. All to no avail. 
Currently, my account has a balance of {$160.00} sitting in an account that Fay Servicing calls, 'Suspended Balance. ' I also have an outstanding amount due in late charges of {$160.00}. I have asked Fay Servicing to apply the money in the Suspended balance to the outstanding late fees. To date, they have failed to do that. I tried reaching my account manager, XXXX XXXX, but she is not available. I did speak with her on XXXX XXXX, 2016. At that time, she told me that the money would be applied to the outstanding balance for late charges. That never happened. Today, I called Fay Servicing for the third time to resolve this matter. XXXX XXXX was not available. When asked to speak to her manager, XXXX XXXX, I was told he was not available but would call me. He has yet to do that. 

It should not take XXXX letters and XXXX phone calls to have a simply matter like this resolved. I also ca n't get an answer from Fay Servicing as to why their accounting system software can not apply the money in my account properly.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive filed multiple disputes with Transunion regarding an account thats being reported by XXXX XXXX University saying that I have a loan with them. I do not presently not have I ever had a loan directly with XXXX XXXX University. Ive tried to address this directly with XXXX XXXX as well as dispute this issue through the bureaus. I have never signed any loan documents nor a promissory note with this creditor, yet I have asked for documentation to prove this loan their reporting belongs to me or for TransUnion to remove it from my credit report. 

The creditor has never provided any documentation or loan documents with my signature as requested to me or to TransUnion and yet TransUnion refuses to remove it from my credit report. I just want TransUnion to remove it from my credit report because I dont have a loan with XXXX XXXX and never have.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (IA)

I've been having my direct deposit from work deposited into a bank checking account the bank name is CURRENT CHECKING for the last 3 months with no problems up until XX/XX/2021 when I tried to reach them several time 's by phone and email trying to inform them that needed to update my new mobile phone number for my account banking account because I couldn't access it in app or online do to there security recovery verification essentially sending a text message to my device with a code to authorize me as the account holder so essentially I can not get into my account with new number XXXX called the toll free customer service number on back of card and to find out you can not reach out to a live surrport agent the whole system is automated with different account options mind you there are 5 different automated categories ultimately all redirecting you to the mobile app online for surrport with absolutely no options to be connected to a live person so I go online to the mobile app current and we'll obviously I can't sing in due to technical difficulties so I stroll down page to find contact and support I click it sends me to email surrport so I fill out the report for what I needed help with along with all of my credentials then email couple minutes later get email from surrport current banking in mind you all automated emails referring back to same questions and about how to recover account back to back I've gotten 2 of same emails from there surrport team both of referring back to the recovery process like they weren't processing my account information I was informing them of in emails at not one point in either emails did they acknowledge my presence and ultimately I can not get a hold of a live agent outside of the app unless I'm signed into my account and I can't touch any of my money move it around or even cancel my card to have new one sent out I have emails I've provided as well
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2024 a client gave me a {$10000.00} check # XXXX drawn on XXXX bank. The client asked me to hold the check for deposit on Monday XX/XX/2024. On XX/XX/2024, I deposited the check into my state bar regulated XXXX account. I was informed by Wells Fargo Bank that the entirety of the funds would be available on XX/XX/XXXX. The check represented fees earned and as such I waited 8 days to assure that the check cleared and funds could be transferred out of the XXXX account. 

On XX/XX/2024 in excess of 3-weeks ( actually 23 days ) after deposit, I was informed by Wells Fargo Bank that `` Checks deposited into your Wells Fargo account have been returned '' " The following deposited checks have been returned unpaid. As a result, we have deducted the following amount {$10000.00} from your account XXXX XXXX Account. '' They gave " stop payment '' as the reason. The consequence of Wells Fargo Banks actions is that they withdrew funds that belong to yet another third party. 

Since this is a state regulated account, I need to report what happened to the State Bar and as of the writing. On XX/XX/2024, I immediately called Wells Fargo Bank to find out more information to find out if there was a processing error on the banks part. I have now spent in excess of XXXX hours on the phone and communicating via e-mail in an attempt to obtain information from Wells Fargo Bank. As of the writing of this complaint, XX/XX/2024, Wells Fargo Bank has failed to provide me any meaningful information. I need WFB to take responsibility, give me the fact ( s ) and basis for their actions. 

I was told that the matter was escalated a number of times only to be met with silence. 

I need to know and see documentation : XXXX. When WFB received the Stop Payment request ; XXXX. What was actually requested by XXXX ( presumably on behalf of the issuer ) ; XXXX. Why WFB returned the funds w/o notice ; 4. Why WFB waited in excess of 3-weeks to return the funds. 

I need a response immediately and to see the funds returned. 

I reviewed the Federal Regulations in particular Regulation CC and the U.C.C. Article 4, believe that both WFB and XXXX Bank are non-compliant. 

At a minimum, WFB had to provide me notice prior to taking any action, they failed to do so. 

Your help will be greatly appreciated.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Toyota motor credit orp. Keepsreneging on an earlier settlement with the CFPB, and states my account was in cghharge off/collections, espite the fact that the account was paid and closed.toyota hadrefusedtomprocess my report to the gap coverage that I had earlier paid for ; it thereafter agreed tht I was entitled to gapcoverage and agreed to alter its prior credit report that the account had been charged off and in collection status.

As of this writing, the report on XXXX  says the account has been charged off and in collection status. These actions are vindictive, wrongful and have impairedny credit.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

first of, I am a member of the military and I have made numerous attempts to get the 3 credit bureaus to fix the inaccuracies on my credit report. The latest is a certifed mail to all 3 bureaus dated on XX/XX/2021. Instead of addressing my FRCA and HIPPA rights as a comsumer, EQUIFAX decided not to investigate and send me the attached letter accusing me of not doing my own credit repair. I am here to tell you and all 3 credit bureaus that I have spent numerous hours researching in order to be a better consumer. I FIX MY OWN CREDIT AND NOONE HAS HELP ME. Please direct EQUIFAX to do its job and to stop Equifax of falsely accusing me of hiring anyone to repair my credit. I have not. See Equifax letter to me calling me a liar. Hopefully I wont need a lawyer with your help in keep these big reporting companies in line.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( XXXX, XXXX ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove it to the others bureus sending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities. 

i already fix the problem even with the irs and i got proof of it ( documents )
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX, XXXX Transunion, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!