davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

My loan is with Navient ( XXXX XXXX ). The disbursement date was XXXX/XXXX/XXXX and the original loan amount was {$8200.00}. Since the first payment on XXXX/XXXX/XXXX, {$11000.00} has been paid on this loan and {$9200.00} has gone towards interest. This company has reported negitively to the credit bureaus untrue information, harrassed me via phone and email, lied about not receiving payments even after they received proof. The account is 5 months past due and I have made every effort to rectify the situation but they are unwilling to work with me. Ideally, I would like to settle but for a way less amount. I called Navient on XXXX XXXX, XXXX to make an offer of {$1000.00} and they countered with {$9000.00}. This is not something I can afford. Please help
Consumer complaint received 2022-10-01
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. (MD)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX : {$0.00}
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I purchased sunglasses on XXXX in XXXX of 2022 for {$330.00} using my Citi Master Card. I returned in person the item on XX/XX/XXXX, and received confirmation from XXXX and proof of return. XXXX never credited the account, so I disputed charge with Citi. In spite of the evidence I returned the item back to vendor they refused to credit my account, in spite of XXXX telling me they received item and were going to refund me.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2016-04-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Navient Solutions, LLC. (GA)

I filed for bankruptcy and the debt was discharged in bankruptcy ; yet the company continues to call me multiple times a day. I have asked the company to stop calling me and have informed the company that the debt was discharged in bankruptcy but the company continues to call me. This is a consumer debt and not a student loan.
Consumer complaint received 2017-10-11
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HYUNDAI CAPITAL AMERICA (FL)

For a little over 6 months now, I have been receiving calls from XXXX financial in order to collect a debt for a leased car that I turned in over 3 years ago. They say that I owed money for wear and tear on the car. I initially was in contact with XXXX at XXXX XXXX, and was very happy to pay the debt. After giving all my information to her, I received a call several weeks later saying that they were unable to process my request. I checked by bank and noticed that it never went through. So again I gave her the information and waited a couple days and they still did n't take the money out. After that I contacted them and they said that my credit union could not find my account even though I pay literally every bill with the same information with no problems. Although I was annoyed because XXXX and her XXXX both were extremely pushy and rude, insinuating that I did n't have the money to pay them, when from the beginning I 've been giving all of information to collect this debt. But okay I gave them information to an alternate bank account at a whole different institution. Weeks went by and they still did not take the money out. I called both of my banks and they said there is no record of XXXX financial ever trying to collect the debt from my account. So this caused a red flag for me. And then early today I received a call at my desk, after the last time I spoke with them, I specifically told them never contact me again regarding this because I will not be abused like this anymore. The man who called was even ruder then XXXX and stated that I needed to now send them a money gram to pay for this. He then proceeded to say ' you obviously do n't have the money to pay your debt ' He knows nothing and I have given my bank information many many times.They are harassing me and my mother at this point because they cant get it together. It seems as though this was their plan from the beginning, a kind of sham to get people to send money directly to them. Insanely rude and abusive company
Consumer complaint received 2017-02-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (CA)

I ( XXXX ) opened a checking account with Bank of the West ( " bank '' ) on their website. I set up an initial account opening deposit of {$500.00} on my credit card ( issued by XXXX ). A few days passed my {$500.00} transaction posted and I have a {$500.00} balance. On XXXX 2017, I received email from the " Bank '' saying my account is closed due to a secondary review. I immediately contacted the bank and was told the reason. I did not argue with them but I asked for money back. A supervisor said they will refund me the money by issuing credit back to my card ( issued by XXXX ). Few days pass I do not see the money. The " Bank '' said they issued the refund and I need to talk to XXXX. I called XXXX and they said they do not see any refund transaction. If there were a refund transaction it will automatically post to my bill. Right now I can still log in the online portal at " Bank of the West ''. It shows I have a valid account but balance is {$0.00}. Basically the " Bank '' took my {$500.00} and never gave back to me.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo processes the authorization attempt for ACH transactions but purposefully does not hold the funds or show the ACH transaction on their online banking transaction logs. This ends up overdrafting numerous accounts. 
As a former Online banking Phone banker, I tried to inform them numerous times that this seemed to be a UDAAP violation because the bank processes the request and it shows on internal records days before it gets processed and shows as a transaction on the online logs the customer can see. The managers at the bank simply dismissed the concerns, stating that I should just advise callers to keep a written record on their own to avoid fees because the online banking was just a tool and not an actual transaction log. 
This is maliciously deceptive as it leads to regular and numerous overdrafts for any customer relying on the online banking to track spending in their daily lives. Furthermore, debit card transactions show as " pending '' once the authorization request is sent to the bank until the final authorization is submitted to the bank abd finalized. This same system could easily be implemented to reflect a " pending '' ach transaction until it's finalized and approved to prevent millions of overdraft charges ( since the date is what the bank uses to determine if they will charge an OD fee and is usually retroactive ) that could easily be prevented if the banks were genuinely concerned about helping their customers like they claimed, instead of nickel and diming customers for the sake of adding millions to their bottom line. 
Internal responses make me firmly believe this behavior is deliberate and purposeful and disproportionately effects people who can not afford the predatory fees.
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (CA)

I submitted a partial payment of {$1400.00} to be applied to my mortgage payment. The money was placed in a " Suspense Account ''. I qualified for a loan modification and after the modification was complete, the money in my " Suspense Account '' was robbed from my account and reclassified as " Eligible Servicing Fees ''. As I understand from the holder of my loan, XXXX XXXX, no fees should have been charged nor should my " Suspense Account '' have been depleted for such fees. XXXX XXXX and Ditech have both received the same documentation. Please review my claim and contact me if you need additional information. 
Thank you for you attention to this matter. 
Regards, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Husband received Loan Modification for Mortgage XX/XX/XXXX. Husband died XX/XX/XXXX. I filed for Hardship and received constant delay tactics. I tried to pay off Mortgage Loan by sending {$160000.00} to offset the loan and get it to an amount that was affordable since I had not received permanent notification. When I received an amount for the hardship, the amount was higher than the original amount. Tried to get this matter resolved especially since I just paid against the Principal of {$160000.00}. So, I requested to keep the mortgage amount where it was originally since the modification did not work. GreenTree stated that the large amount was due to taxes, but My husband is a XXXX Veteran and XXXX. explained that the valuation of my property decreased so the taxes are less. GreenTree reported derogatory information against my credit report. Very distraught how the family of a XXXX Veteran is treated by GreenTree. I provided them with {$160000.00}. to get the loan paid in full, and continued harassment. The original signed loan agreement for the modification from my husband indicate that the amount in deferment may be due or paid when the Property is sold. I should just be paying taxes on the property and nothing else.
Consumer complaint received 2015-11-02
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.
Consumer complaint received 2017-01-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAC Financial Corp (LA)

Do not owe CAC Financial a penny. Reported several derogatory accounts on my bureaus. Approxiamately XXXX times in fact! Never signed a contact with them, Dont know who they are. Also listed them as medical which is againt HiPAA regulations. I sent a certified letter asking for validation with my signature and they failed to provide it! I have gotten turned down for a mortgage, credit cards, and my insurance payment is extremely high as a result of this! CAC has ruined my credit and basically my life at this point.
Consumer complaint received 2022-10-01
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. (GA)

Equifax keeps adding and dropping my credit score every other day XXXX day they add XXXX points the next XXXX days its back up XXXX points! There is no changes to my credit report for any existing data or new data statements that dont state any reasons why my report keeps going up and down for no reason!!!
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

I sent you a complaint case # XXXX and Ditech did not adjust my payment until I called them back a second time about changing my mortgage payment XXXX dollars more a month. While they gave me the run a round two times, they told me that I was to wait until they get back in touch with me and do not worry about paying them and my credit would not be affected. Guess what, my credit was affected after they told me it was their fault that this problem occured and they would correct their error. I have NEVER been late with a mortgage payment until this incident happened. Every customer service person woul always tell me a different reason for the problem except XXXX. She admitted to the problem and she told me it would not affect my credit and said it would be noted on my record and I would receive a letter stating the same. I received neither the letter or correction staing that my credit would not be affected.
Consumer complaint received 2017-02-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IN)

Last month, I submitted a complaint under case number XXXX. I had been dealing with Ditech for 6 months to get my escrow account updated with the correct tax amounts. They stated that the issue had been resolved and I got a new mortgage amount. This " resolution '' lasted one month. I just received a statement that my mortgage and tax amounts have gone back up. This incorrectly adds {$200.00} to my payment.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

Green Tree Servicing Company paid my Real Estate Tax in the amount of {$4600.00}, but I am part of the Long Term Occupancy Program for City of XXXX, and my Real Estate Tax are {$1600.00}. I contacted Green Tree to inform them, because they increased, my mortgage payments based on this transaction. I informed them of the Long-Term Occupancy Program, and they should follow-up for refund. This was not done, so I called the City of XXXX and was informed all Green Tree has to do is submit a Refund Petition with copy of the cancelled check and the City of XXXX will refund the money to Green Tree. Therefore, Green Tree has over charged me {$2700.00} in additional payment to my mortgage, because their negligence has affected my escrow account. I have called Green Tree for the last XXXX - XXXX months to try and resolve this issue with no satisfaction. I have put my concerns in writing, and it is like I am talking to the wall.
Consumer complaint received 2015-05-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CREDIGY USA CORP. (CA)

On XXXX XXXX, XXXX, I sent a certified letter to XXXX XXXX. XXXX, vice president/trial counsel of XXXX XXXX XXXX XXXX, assignee to Credigy Receivables requesting them to verify a debt that has started in XXXX, but until now I have not received anything from them. They placed lien on my property in XXXX and XXXX but failed because the SSN who owes the debt was not mine. They also tried to foreclose on my property thereafter, and that also failed. This debt was not even ever in my credit report. What should I do next? Will you please help me?
Consumer complaint received 2022-10-01
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: SYNCHRONY FINANCIAL (GA)

My information was merge with someone else info. Which added accounts I never had. Then my information was stolen and people were buying and opening checking and savings under my name for over XXXX years I been going thru it with XXXX XXXX and XXXX. They had inaccurate info. They have plenty of inquiries that I didnt give permission to check my credit. When we call those bureaus they make it hard on it to fix their own problems they created. 
Also. I have closed accounts. I have old inquiries. I have duplicates accounts. Now they put me in a special department making it hard to get to anybody. I spent over XXXX fixing and getting my credit back to normal
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: MARINER FINANCE, LLC (MD)

these debts were paid off in full and still put on my credit report anyway. ( XXXX /Mariner Finance. XXXX was given my visa card # to take the money directly from my checking acct. the XX/XX/2016. I called asked why they did not take the payment out. I was given the run around so on XX/XX/XXXX I called XXXX and paid them with my Visa card on XXXX XXXX 2016 my acct. was at that time paid in full. I then called XXXX told them what I had done and why.
Consumer complaint received 2015-08-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (PA)

I have a car loan through Hyundai Motor Finance and they do not provide me with the interest rate of my loan. This information is not available to me via my online account with them and it is not listed on my monthly statements. Interest rate is a critical piece of information about my loan and should be included on my monthly billing statements.
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (AL)

I terminated my account, paid all the fees and my balance and was told i was settled. a week later I got a call stating that I owed over {$500.00} and they could not give a definite answer as to why
Consumer complaint received 2016-07-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Back on XXXX XXXX my wife went to the XXXX XXXX Regions Branch to cash her pay checks. She would save up several and cash all at one time for the given month. I believe it was on the day of XXXX XXXX the branch manager called her ( wife ) and told her they over paid her by {$700.00}. and would need the money back. My wife told them she did not have there money and even so she did not have the money in her account. The bank manager replied " I Know '' XXXX ( Wife ) then told her she would need to look into this matter and call her ( XXXX ) Back. As soon as the phone hung up the money was pulled out of our joint account and put the account into overdraft. Please understand that this is 2 months latter with no written notice or no verbal notice. The bank basically put us in a really bad situation with paying bills and checks bouncing. I could be very understanding if a notice was given and we had time to investigate. We have asked for proof that XXXX actually received these funds and they have said no. On the day of XXXX XXXX XXXX called a lady by the name of " XXXX '' a regional manager for regions every 15 minutes over a 4 hour period with no return calls. ( she gave up ) At this point we want and need our money back unless Regions can show and proof to us we have the money. This was very unprofessional and has caused anguish for my wife and I. All they had to do was handle this matter with respect and professionalism and this matter would have been resolved. 
Thank You, XXXX
Consumer complaint received 2017-01-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (CA)

I have had a VA mortgage with Loandepot, a licensed CA company, since XX/XX/XXXX. I have an impound account with over $ XXXX in it, and pay {$1000.00} per month just in taxes. I have XXXX supplemental bills from the county assessor due XX/XX/XXXX, totaling over $ XXXX. Since XX/XX/XXXX, Loandepot has made repeated misrepresentations to me about the escrow account, the amount of property taxes they have paid and will pay ( they have paid {$2000.00} in XX/XX/XXXX and will pay another {$2000.00} in XX/XX/XXXX. ) They will not pay the supplemental tax bills, and they will not release the money in my escrow account to me so that I can pay the bills.
Consumer complaint received 2022-10-01
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a acount without my written instructions.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any reason.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (GA)

Iam a natural person, iam a living human being, I have rights under 15 USC.

Equifax is govern by 15 USC 1681. They violated my rights numerous of times. I demand the accounts listed below be removed because.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

Accounts XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MO)

I filed a complaint with Consumers Financial Protection Bureau ( case number : XXXX ) on XXXX XXXX, 2016 that I received a letter from my bank, Ditech that they are going to foreclose on my house even though I was working with them on loan modification. CFPB sent me a message that Ditech asked for an extension in responding to the complaint. Before responding to the complaint filed with CFPB and while in the middle of a loan modification, they put my house for sale at an auction and it was sold to XXXX. I really need your help as soon as possible. I want to work with the bank, I do n't even know what to do now. Whenever I call the bank they respond that they do n't understand whats going on and they need more docs for the loam modification. I message was posted on my account after the house was sold that they are looking for XXXX documents.