davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

I am a Ditech mortgage holder. I paid my bill on XXXX XXXX as normal via ach debit of {$810.00}. With no notification to its customers Ditech changed the account numbers and my payment went to the old account number not the new one. Ditech " customer service '' is in agreement and they see the payment in the system. I have been begging them for weeks to please simply apply the payment they received from me to the correct account on the day they received it. I have been met with lies, anger, total inaction, and pure contempt for such a low level request. Their computer system and billing shows that I 've paid nothing since XXXX XXXX. I am receiving calls from their collection agents, and threatening letters in the mail. They are wasting my time, my health, my good name, destroying my credit, charging unjustified interest, late fees, and wrecking all that i have worked so hard for decades. Their unqualified and nasty " managers '' and misinformed and unhelpful " customer service '' agents have the nerve to say that their verbal " assurance '' that they have the payment logged in on XX/XX/XXXX and are not charging me anything extra and that everything is just fine should be enough for me to be satisfied is SHOCKING!! The verbal assurance of such apathetic employees that could not care less about me means nothing, especially since what they are saying is completely illogical! Ditech certainly would never take my verbal assurance for anything, and i would expect the same in return. It is very simple, my account and payment status must reflect what I paid and when I paid it. PLEASE PLEASE PLEASE HELP ME!
Consumer complaint received 2015-08-23
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Alorica Inc. (TX)

XXXX XXXX called me being rude screaming at me and continual calling me after i told her to stop and XXXX XXXX the supervisor will not give me recorded call info so i can report the horrible and mean service no one wanted to help me after all I have made my payments on time and wanted to set another arrangement but I did have quistions to ask and that made XXXX mad all she wanted was my card info and did n't want to give help then again on XXXX she called me screaming her lungs out at me I had to hang up I refuse to be treated bad and so disrespected
Consumer complaint received 2015-08-15
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AC AutoPay LLC, Denver, CO Branch (NY)

On XXXX/XXXX/15 I went online to research car refinance rates in my area. I used XXXX and found a site that I understood would provide me with the prevalent rates in my area. They required some personal information to identify the best rates. I completed the form and submitted the information. In no way did I request or apply for a car loan as I only wanted to research current refinance auto loan rates. Unfortunately this site uses deceptive messaging and serves as just a marketing gateway to lenders which consequently ran my credit XXXX ( XXXX ) times thus affecting my credit report/score. Unfortunately I deleted my browser history and do not have the name of the deceptive website but i do have the names of the XXXX finance companies that deceptively acquired my personal information and ran my credit report resulting as a hard inquiries on my credit report. 
I have attempted to contact the XXXX companies in question to no avail as they all have stated they are not responsible for the deceptive practices of the original website. I disagree and would like them to remove the inquires in question on on my credit report. 
I 'm respectfully requesting assistance to have the companies in remove their respective inquiry from my credit report.
Consumer complaint received 2017-08-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

I have a Citibank HELOC loan and it is scheduled for automatic payment each month by direct transfer from my checking account. There was an adjustment to the loan amount and the interest is variable ( 25 bps below prime ) and as a result of the adjustment the automatic payment was insufficient to pay the amount due. Citibank called and left a message there was a deficiency. I made an additional transfer between accounts to pay the debt. Another call ensued from Citibank the representative ( XXXX : No. XXXX ) demanding payment. ( The payment was only 10 days late, and no written notices were ever sent ). I asked him if he checked his records to see if the payment was made. He said " no. '' He said he had no ability to check records to see if the payment was made or not and that his job was just to call and demand payment. Obviously, this is harassing.
Consumer complaint received 2017-03-31
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

My student loan is managed through Navient. I had been making payments towards my loan even though my due date was not until 2018. I thought that the payments I had been making were being applied towards my principal but over the last couple of months I noticed that my principal was increasing instead of going down. When I called Navient they told me that my payments were being applied to the interest that I would accrue until 2018 and until I paid this off then the rest would be applied towards the principal. I told them that why would I pay to defer my payments when I know I am accumulating interest? This option makes no sense and I do not recall signing up for this. They automatically put me on this plan which I would have never agreed to.
Consumer complaint received 2016-03-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I am enrolled in an automatic debit payment plan with Navient. They take XXXX out of my account on the XXXX of every month. They are claiming that I am late in my payments and charging me a late fee for my loans because even though the date they take the loans out of my account is on the XXXX, my due date is actually set up on the XXXX. This was unknown to me when I set up the payment plan. I have contacted them over 5 times about this and the past 3 attempts to fix it, someone at Navient has said they were going to refund my late fee and fix the issue however that has yet to happen. I am concerned because I am getting charged a late fee when I do n't feel like it is fair to charge me a late fee, and it is affecting my credit and also hurting my chances of releasing my co-signers which requires 24 months of consecutive non late payment. Navient has set up my monthly debit payment in a way that it is taking more money from me and making it impossible for me to advance further in my economic independence.
Consumer complaint received 2015-08-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NJ)

Hey, I have a XXXX Loan and they switched over to Navient. They are over charging my loan and my principal is not going down. They keep on collecting interest on my loans and also have been paying interest when I was in school so that my loans does n't exceed the amount after i graduate. After looking into it I realized that my original balance was XXXX and now its XXXX and I have been paying interest on this since I got the loan and it same thing for my other loans. I have been going back and forth with them but never got any resolution from them. I have been quietly paying the student loan every month of XXXX. The never every communicate on any changes or changes that I made which need results from Navient so I can move forward. For Example, I had apply for automatic payment but never heard from them that I was approved. I had to call them and confirm that I approved or I would have double payed them. I also recommend a lot people not to get XXXX or navient because they are very very unfair to the customers.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I contacted Navient late last year to pay an extra {$1200.00} to pay off XXXX of my XXXX loans with the company. They falsely assured me that they will apply the payment to my smaller loan in order to pay it payoff. However, when I checked my account today, I noticed that they did not apply the payment as I instructed them and only applied {$200.00} towards the smaller loan. Second, they changed my monthly auto-pay amount and increased it by 50 %. There was no notification provided to me regarding the increase of payment nor was I provided documentation indicating a change in my payment amount.
Consumer complaint received 2016-02-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (CA)

This Medical bill was put onto my credit report. This collection company has a terrible rating with the XXXX and has fraudulently reported this on my credit report. Let 's be clear, I have no idea if this bill is mine or not because they have never sent me a bill or attempted to collect. It seems very unfair to get this reported to my credit when I have never had a chance to pay. TRUE NORTH AR is the piece of XXXX company that reported this. This bill was ( supposedly ) originally from XXXX but it 's now XXXX and still ... Nothing!. This is damaging my credit and I have all current and satisfied accounts other than this. I am very frustrated, I disputed this with the Credit Bureau and they just said it was 'mine ' and closed the dispute. 
I do not feel this is fair. I pay my bills when they are presented to me.
Consumer complaint received 2015-11-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TN)

Navient is servicing my son 's student loans. He has XXXX : XXXX at 7.5 % variable, XXXX at 2.75 % variable, and a XXXX at 2.25 % variable. We have been sending payments on all XXXX, with specific loan numbers on each payment, and with larger payments on the higher rate loan to try to pay it off earlier. Navient has been posting the payments proportionately by outstanding balance on each loan, rather than the loan number stated on the payment, thereby causing higher interest to be accrued since his loan with the 7.5 % rate is receiving only a portion of total payments rather than the larger amount being sent. This is abusive and should be rectified by reducing the 7.5 % loan accordingly.
Consumer complaint received 2015-09-03
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (MI)

I made an early payment to my account with Volkswagen Credit on XXXX/XXXX/2015. They had a wrong address on file and I was n't notified of the payment not being processed. I have also had issues with the telephone payment system previously not posting a payment and not allowing me to repeat confirmation numbers. They would not investigate this after numerous attempts to resolve the issue. They stated that they had no record of me calling on XXXX/XXXX/2015 which in response to I asked to send my phone record of having done so. They would not allow me to do so nor would they investigate the issues I had with the billing system.
Consumer complaint received 2017-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

The original creditor XXXX was paid all rents and utilities on time and in full. After completing the lease there was never any notice of any additional money owed as everything was paid in full. Several months later Hunter Warfield ( a collection agency ) contacted me saying I owed over {$800.00}. I requested a full description and invoice for what was owed and never received a response. They later added a derogatory remark on my credit reports. Note that the original lease company never contacted me on this.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Credit Plus Inc (GA)

CREDIT PLUS XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Consumer complaint received 2015-05-12
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LDF Holdings, LLC (VA)

I received a letter stating that it was a XXXX reminder for an outstanding account which I had not opened. I had never heard of this business before. I tried calling and was asked for personal information which I did not supply. XXXX, XXXX, XXXX and XXXX were not helpful and was hung up on twice. The envelope in which I was supposed to remit payment was self-addressed to NIIWIN , LLC XXXX Lendgreen. XXXX XXXX XXXX, XXXX XXXX XXXX, WI. XXXX.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I called Synchrony Bank on numerous occasions and they disconnected me on numerous occasions when I was trying to understand why they were charging me so much interest. I asked what I owed without finance charges and they stated {$2500.00} which I paid. I pay on line Each month automatically and paid more than required each month. They told me I had two different promotions but the statement I received stated promotion ends XX/XX/22, so I paid it off. They are charging me over {$900.00} in interest. I told them I disputed that and they told me I had to write to bank. I asked who to address it to and they said they had no name, just gave me address and said it would get resolved. I wrote them a month ago and have not heard anything. The statement is very misleading. I have excellent credit and have always paid them on time. When I called again on XXXX, I was disconnected again two times. I feel I should have a XXXX  balance. They told me I was paid up and not being charged interest but statement reflects I owe {$900.00}. Please help me resolve this very unfair problem.
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TN)

I contacted customer service via phone to inquire about a promotion of getting XXXX XXXX miles upon opening the Citi Gold checking and meeting certain requirements. They told me I would qualify so I signed up online. After my account was opened and I received all my documents I sent a secure message asking about the promotion on my Citi Gold checking account. There was a promotion for XXXX XXXX miles or XXXX thank you points and I thought I signed up for the thank you points so I wanted to clarify with an agent. The agent replied via secure message that it was n't the XXXX TYP points that was attached to my account but the XXXX XXXX miles promotion was attached to my account. So, I continued to meet all the requirements set forth in the message the agent sent me and I never got the miles. Now when I inquire about it, they say I was n't meant to get it. They mislead me into signing up for their account with an offer they withdrew.
Consumer complaint received 2015-03-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (TX)

In XX/XX/XXXX I bought my XXXX home. The mortgage was with XXXX XXXX. About a year or so later my mortgage was sold to Citimortgage. Citi immediately raised my monthly mortgage payment with no explanation. In XX/XX/XXXX I applied to modify my mortgage and was told I needed to not pay my mortgage payments for 3 months. I did as instructed. After almost 2 years of going back and forth with Citimortgage and submitting the same paperwork over and over I was forced to file bankruptcy to protect my assets. During that time the modification kicked in again. Again they took their time and requested all of the same documents again. Citi filed a Motion for Relief and my attorney agreed to an additional 6 months arrearage added in the bankruptcy. Now, Citimortgage has filed an Order to lift the stay even though the trustee has been sending the payments monthly and I am current on my mortgage. I missed a payment in XXXX and sent XXXX payments in XXXX. I feel as if I have had nothing but issues with Citimortgage. I also think they took advantage and changed my mortgage around without letting me know when they immediately increased my payments when they first got my mortgage. Any help would be appreciated.
Consumer complaint received 2016-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (WA)

Moved XXXX telephone and internet service to new residence. Technician found new service could not be installed without digging up road. We opted not to do so. Service was never connected. 3 months later we get a bill. Took quite a while to get it taken care of after they threaten collections even though we never had service! They even said I had a credit on my account. I have their email saying that on XXXX. Last month I was contacted by Afni, a collection agency, to collect the same debt sought by XXXX.
Consumer complaint received 2017-01-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (MS)

Hello. On XXXX XXXX 2016, I opened XXXX checking and savings accounts with regions bank. I made a mobile check deposit and waited for the funds to be available, so after a few days I went to transfer money from that account to another bank in my home town and when I submitted all the information I.e. Routing, account etc. I was informed that they had to verify so ok no problem but when everything was verified and I tried to transfer all of a sudden my account was locked out so I called the bank and they informed me that I had to sign some verification forms as if my electronic signature was n't enough. So I travelled XXXX mile missing time at work to come home and take care of this. So when all this was taken care a few days later I tried to transfer money and also pay some credit card bill that I have accumulated due to not having access to my accounts and was told yet again that I needed to sign the same papers again. Got I. Touch with bank manager and he resubmitted the forms so days later it was ok until I tried to pay bill or transfer money again. XXXX of my credit cards actually went through for payment but the others according to credit company the money for payment was given then taken back. Now they say my account are locked out due to fraud which there is none and no one can answer my questions about what fraud has occurred. Spoke to the regions XXXX number and they said I had to get the bank manager to talk to tech support about my account to unlock it but yet again it is still locked. When I tried to close the account I was denied stating that I had to be physically at the branch to close my account. Well I did n't have to be there to open XXXX up and do n't have to be there to make changes or to ask about my account when I call online services. Now my bills are behind, When I asked what will they do about getting my credit fixed on all late payments due to there fouled system and I was told that they ca n't do anything. For all those that read this. STAY AWAY FROM REGIONS BANK. I can only assume there saying that my account is locked due to the fact they really did n't have any money to pay the recent judgement they received and are taken customers money to pay for it and telling them that there accounts are locked out because of fraud. Well I guess that 's partly true except there the ones that 's probably committing it.
Consumer complaint received 2015-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC (NC)

I contacted the the loan company, mariner finance in XXXX of 2015, and told them the reason why I was behind on XXXX payments was because I was having financial difficulty and that my wife and I are XXXX. I also told them that I would try and pay in XXXX. The woman I had spoke to on the phone said that if i was not going to pay that they would have to file a suit against me, after I had already told her that I would try and pay in XXXX. I then replied to her to do what she had to do, then she rudely hung up on me. since then there has been non stop phone calls by them trying to get a hold of me. They also had someone go to my house with an envelope saying please call us. In the envelope there was one of their cards.
Consumer complaint received 2016-05-06
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (PA)

I returned a leased Kia to a Kia Dealer and purchased a new Kia. It was a demo car with XXXX miles on it already so I could not get it financed through Kia with 0 % financing. I got the final bill on my lease agreement and they are charging me a disposition fee of {$400.00}. I called and asked to have it reversed and they declined, stating that " You did n't really buy the Kia, Capital XXXX did. '' I did n't have an option of financing my Kia through Kia. I already paid a higher percentage rate as a result of buying a demo car. Now I am expected to pay additional fees when I remained loyal to the brand? No one disclosed this fee to me at the time of closing the deal either. This is a very deceptive practice and the fact that it would not even be considered for review feels very wrong to me.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$1400.00}
Consumer complaint received 2015-10-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Risecredit, LLC (OH)

I viewed my credit report and find a lender " Rise '' on my report. My identity was compromised through XXXX. All Clear ( credit protection ) called to let me know " Rise '' was inquiring about my credit. I called " Rise '' and they said they are an on line company from Texas. I did not apply for a loan. The loan was denied due to some information not measuring up. This is a Hard Inquiry on my credit. I need to have it removed.