davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WA)

When I left school because the costs got too high, and when I moved out of my parent 's house I could no longer get the aid I needed to finish attending school at the University I started at, I was regularly steered towards what I now realize were poor options. 

Navient, among other servicers of my loans, including XXXX XXXX, continually, and willingly, as a first resort, offered me forebearance, and failed to mention not only the insurmountable amount of interest that would accrue, but the time period the forebearance was for. 

Many of the people working for these servicers had sub-par english communication, and I now realize, out of their fault, as my loan was passed through four or five different people, it eventually landed in default because of their inability to contact me because the contact information I provided the servicers was transcribed incorrectly. More importantly, it appears they made no effort at ever updating my phone number, either. 

Now, my student loans sit in default, I wasn't even able to graduate ( because moving out made me unable to receive aid at all ), and I'm trying to grind my way through self employment to get to a point where I can repair my shattered credit. I won't be able to buy a house before I'm XXXX, likely, and most of my loans ( ranging in original amounts from {$2000.00} to {$5000.00} ) have almost doubled in balance. 

On top of that, a servicer XXXX XXXX XXXX, seems to have added 18 % to my loan balances upon acquiring my loan, and we haven't even gotten to a point to talk about rehabilitation. Although, I shouldn't need to rehab my loans if these companies were more transparent and simply offered me something I could afford off of my $ XXXX/month paycheck I was getting when I first left school. 

Now an original amount of about {$20000.00}, is over {$36000.00}, roughly 9 years AFTER I've left school, and I've been notified now THREE YEARS after my loans have gone into default. Somehow, my mother received the notification letter at her brand new house they've built, that I do not live at, and I have not received a single thing at any of my previous addresses even though I have always placed a change of address. 

Now my life is shattered, my credit is destroyed, and there is no fix in sight. 

So, what do I do? I type this out in hopes that anything positive comes of it, but I know nothing will.
Consumer complaint received 2018-07-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

On XX/XX/2018 {$500.00} worth of virtual currency were stolen from me, using a social media scam. I reported the theft to the company Coinbase, that I had used to transfer the currency. The company responded with an email that said that it was not possible to trace virtual currency transactions, and that transferring such currency was not only risky, but only possible thanks to a complete lack of consumer recourse. I told the company that my rights non-negotiable and then filed a complaint with the XXXX XXXX XXXX. The following Monday, XX/XX/2018, after having received the XXXX XXXX XXXX complaint, the company responded with another email that said it had now locked and disabled my account due to security reasons. This constitutes severe harassment and severe discriminatory practices on behalf of this company. So far Ive lost considerable sums, due to numerous factors.
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2018 between XXXX and XXXX ET, I received notification from Wells Fargo that my personal and business checking accounts will be closed due to unauthorized money transfers into the accounts. I was also informed that I may not  make any withdrawals from these two accounts and that the debit cards linked to those accounts are deactivated. On XX/XX/2018, I went inside my nearest branch to inquire about the account closure. None of the bank employees could provide me an explanation as to why the accounts will be closed and why withdrawals are blocked. I called the XXXX loss prevention number to inquire further and was informed that the unauthorized transaction was a XXXX XXXX   international wire from an individual named XXXX XXXX and that a check of the account balance would be mailed on XX/XX/2018. No more information was provided. I demanded copies of any court orders or legal proceedings and was denied. I can not access my funds for emergency purposes and I have a business account that requires me to refund customers when needed.
Consumer complaint received 2018-07-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

My loans were transferred from XXXX to Navient in XX/XX/2018 and I have had a number of issues. The biggest issue, which is currently unresolved, is that my monthly payment does not seem to be calculated properly. 

I initially informed Navient of this issue by email on XX/XX/XXXX after receiving my statement. I followed up by email several times and did not receive a response until XX/XX/XXXX. At that time I sent the representative a number of documents illustrating why my payment amount seemed incorrect. 

I received a response on XX/XX/XXXX stating that my interest rate had increase by .25 % and that caused my payment to increase by {$35.00}. My loan balance is around {$11000.00} and I have 152 payments left - a .25 % interest rate increase should not increase my payment by more than a dollar or two. I followed up with the representative stating that the calculation still didn't seem correct. 

On XX/XX/XXXX I received a response from Navient simply stating that my concern had been addressed by the XX/XX/XXXX response. I've responded with a calculation and payment schedule based on the increased interest rate showing that the payment is not correct. While sending this response I logged into my account to discover that Navient has increased my interest rate an additional .25 %.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (IN)

My Husband who was my boyfriend at the time was XXXX  in the XXXX and XXXX   XX/XX/2016 and had XXXX. He needed assistance for XXXX, XXXX, etc and could not be left alone. I lost my job to take care of him and help him with at home therapy. After becoming behind in payments with XXXX XXXX   I informed company I was no longer employed but wanted to pay and keep vehicle. But they wouldn't wait so had no choice but to let them come and get vehicle back. They repo truck i believe XXXX, and I became employed end of XXXX maybe beginning of XXXX. I was told i only owed around {$500.00} to keep vehicle from being repo. By then I had to get another vehicle to continue working so then i could not afford rent & bills, healthcare, new car payment and etc. They wouldnt wait and {$500.00} is what got my vehicle repo now the statement on the account shows sent to collections and the amount is different. It is negatively impacting my credit and keeping me from getting a home/mortgage.
Consumer complaint received 2018-07-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

Ask to see why my student loan Bill was so High. I dont agree that I owe them what they say I owe them. They have messed my credit score up on my credit. They charged me when I was not to be charged over charge students to attend college hyped amount up on my credit.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation (MD)

Filed bankruptcy in XX/XX/XXXX which was eventually dismissed ; auto loan company has not reported payment history since then even though they were notified that the bankruptcy had been dismissed. Approximately XX/XX/XXXX Bridgecrest Acceptance Corporation provided a " Letter of Credit '' via email in lieu of reporting the open tradeline. The company indicated that the account was paid " 1 time 30 days late ''. On XX/XX/XXXX I received a hard copy letter that indicated the account was paid " 4 times 30 days late ''. I have sent written correspondence via email to have this corrected ; I have received no response to date with regard to that matter. However, the company still continues to make repeated, harassing calls several times of day, 4-5 messages and are relentless with requesting payment. I would like for the company to report ACCURATE information, as it is clear that their record keeping is egregious.
Consumer complaint received 2018-07-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (TX)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX finance thru Santander bank been paying on it since and up to this date Im still at same balance. Ive had late payments on loan and its understandable a late fee and of course I have to pay interest but this is ridiculous that almost 2 yrs and Im still at same balance. I feel this is not a fair act of doing business with consumers. And I stress again this is not right for consumers. I tried talking to Santander and the response they gave me is to make payments on time to avoid all the interest getting charge nothing else could be done
Consumer complaint received 2018-07-10
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: Resurgent Capital Services L.P. (NY)

On XX/XX/2018 a debt validation pursuant to law was requested from Resurgent Capital Services and was signed and received by a XXXX XXXX on XX/XX/2018. In a letter dated XX/XX/2018 validation was not satisfied as requested since all that was received was a notice that I have a right to substantiation of debt. There was no clear proof that the debt was accurate or valid, in clear violation of 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act. Not only did I not receive the requested validation, the amount of debt, proof of service, or proof of ownership was not provided.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2018-07-10
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. (DC)

This complaint is in reference to the XXXX XXXX Account Number : XXXX entry listed on my Transunion report. I have contacted Transunion several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account is in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the abscence of any such documentation I formally request that this information be immediatedly deleted from my credit file.
Consumer complaint received 2018-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX, ACCT NO.XXXX IS FRAUDULENTLY APPEARING ON XXXX , XXXX AND TRANSUNION REPORTS. 

XXXX XXXX IS THE THIRD COLLECTOR IN A ROW FOR THE SAME XXXX DEBT, THE ORIGINAL CREDITOR. 
THE PREVIOUS TWO COLLECTORS XXXX XXXX AND XXXX XXXX   WERE DISPOSED OF PREVIOUSLY BY CFPB COMPLAINT AGAINST ALL 3 BUREAUS.I HAVE ATTACHED XXXX CFPB COMPLAINTS BUT ALL 3 BUREAUS RECEIVED THE SAME COMPLAINT AT THE SAME TIME AND ALL 3 BUREAUS DELETED
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (VA)

A property that was foreclosed in XX/XX/XXXX is being reported as open and past due through XX/XX/XXXX. The date discrepancy caused a new mortgage underwriting to interpret that the account is still open and in a past due status, instead of closed and a Foreclosed status. I contacted Wells Fargo many times to try to resolve this in a timely manner, before my new mortgage loan approval expired, however I was never allowed to speak to a dispute department. I was given different numbers to fax my dispute to, and could not get a confirmation that they received the fax I sent on XX/XX/XXXX. It has been more than a month and I have had no acknowledgment from the company. At this point, my mortgage loan approval has expired, I lost the house I wanted to purchase, and my credit score has dropped due to the hard inquiry for the mortgage - meaning now, whenever they do update my credit report to reflect the correct dates, I will be less likely to be approved due to now having a lower score. That would not have been an issue if Wells Fargo would have taken corrective steps in a timely manner.
Consumer complaint received 2018-07-09
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Pacific Rim Alliance Corporation (WA)

I received a call this morning from a restricted number where they informed me I would be receiving a summons notice between XXXX and XXXX pm. I was given a phone number to call for information regarding the summons and a reference number. 
The number is : XXXX. The claim it is from XXXX XXXX for {$650.00}. This debt is from 12 years ago and has been paid in full. 
They asked if I would like to pay in full or dispute it. I told them I would dispute and they said a summons would be coming later in the day and than they hung up on me.
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MA)

My loan servicing company was recently switched to Home Point Financial and we're now in a significant dispute. 

Back in XXXX, I made my first payment and set up an auto-draft moving forward. However, the company, by its own acknowledgement, set up my auto-draft incorrectly. 

As a result, I missed multiple payments, and they reported my wife and I to the credit bureaus. 

The company 's stance is that I should have noticed the error when I received my monthly statements via email. However, the email is simply a link that states my statement is available. The statement itself isn't attached and there's no mention. the account is delinquent. 

I never received any phone call, email, or other correspondence that I missed a payment, until I received a certified letter last week. When I did, I immediately called the company, paid the outdated balance in full, and they remedied the auto-draft error. 

But they are still refusing to contact the credit bureaus to tell them they mistakenly reported my wife and I. As a result, our credit scores have dropped more than 100 points. Please help! 

Thanks, XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MA)

On XX/XX/2017, XXXX XXXX deposited a check from XXXX XXXX into heXXXX XXXX XXXX Account via mobile check deposit. She then secured the physical check in our apartment and we left to plan a special life event with subsequent travel outside the country fully expecting the check to clear. 

Upon our return, XXXX deposited the same XXXX XXXX XXXX check via mobile deposit into her Citibank Account on or around XX/XX/2017, having forgotten about the original deposit to XXXX XXXX. Later in reviewing her XXXX account she noticed that she had already deposited the check in XXXX, and she called Citibank to report the errant deposit. Citibank removed the funds from her account and returned them to XXXX XXXX. 

XXXX then ripped up the original XXXX XXXX XXXX  check and disposed of it in the recycling/trash. 

As far as we can tell, a physical reproduction of the check was then presented to XXXX XXXX XXXX at one of their branches and the Federal Reserve contacted XXXX XXXX  stating XXXX XXXX would honor the physical check over the mobile deposit. 

Without contacting XXXX, XXXX removed the funds from her account and when we discovered the transfer were told that XXXX XXXX requested the removal of funds from her account. 

XXXX submitted a CFPB complaint against XXXX XXXX that was transferred to the FDIC. 

XXXX responded to the complaint stating the check was presented to an account at Citibank in XX/XX/2017 and that XXXX requested the Federal Reserve make an adjustment and that in their words " It appears the adjustment went against Ms. XXXX XXXXXXXX XXXX XXXX Account and not Citibank. '' They also give the routing number for the Citibank Account : XXXX. 

XXXX then states in their response that the adjustment was " processed incorrectly with the Fed, and Ms. XXXX 's funds are with what appears to be a fraudulent account at Citibank. '' XXXX XXXX did not respond to the issue of the check being physically presented at XXXX XXXX XXXX. XXXX XXXX XXXX response to the original CFPB complaint is attached to this complaint.
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OH)

I have been a 20 plus year customer, in good standing, with American Express. I have found that I am not being credited with reward points as indicated the credit card agreement on an annual fee based credit card. I have repeatedly tried to resolve this issue with American Express customer service to no avail. I believe this is a fraudulent practice to charge me for a card and not provide the promised benefit.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Riverwalk Financial Corporation (FL)

This complaint is regarding the following company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX They popped up on my credit reports. Claim I owe money to XXXXXXXX XXXX XXXXXXXX and reported them as my original creditor on my credit reports. I have never heard of this company. I can not XXXX  or find this business anywhere. I asked XXXX to provide proof they exist and they failed to do so. 

They provided an account number with the above XXXXXXXX XXXX   XXXX that is not any account number I have had. They provided an old loan from another company and hand wrote the account number on it. That loan did not match the XXXXXXXX XXXX XXXXXXXX. The date of the last payment date is blank and the Late payment amount is blank. They said they were a debt collector and now they said in my XXXX   complaint they purchased this debt from XXXX XXXX. 

They have robo called me for months, just changing the number slightly and that seems to have stopped with my XXXX  complaint. They threatened to sue me, garnish my wages, show up at my work, contact friends etc. They do not send statements just out false info on credit reports. The only letter they sent was in response to my complaint with them and includes all this inaccurate information. 

I asked them to take this off my credit and they refused to do so unless I pay them money. I said I am not paying money for an account that was not mine. 

I disputed with the credit companies and XXXX XXXX XXXX keep validating the debt as accurate and re-seasons the so called owed debt on my report. They have a principal balance that is not any amount I owe. They do not differentiate principal or possible accrued Interest. They said This debt was for a car and I never had a car loan with anyone but major lenders for my cars. I asked them to provide proof of a car or vin and they have failed to do so. 

They are in multiple lawsuits using the same type of fraudulent collection activity on other people.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint to bring to your attention that TransUnion is unlawfully reporting fraudulent inquiries on my credit report. These inquiries are the result of identity theft and should be permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). 
See attached police report.
Consumer complaint received 2018-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

Earlier this year, I left the rate reduction program because I was unable to make those payments after losing my job. I was then called by a Navient employee who enrolled me in an interest only program where my payments would be {$35.00} a month. I have been making these payments on time for the last couple of months, but recently have been receiving non stop harassing phone calls telling me that I still owe more. I spoke with a Navient employee today and she said I was somehow entered into the program incorrectly. I don't understand how this can happen. It's extremely frustrating to deal with these people because nobody knows how to fix it, yet my phone rings day in and out.