davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-22
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: AMERICAN EXPRESS COMPANY (NJ)

My american express card was used by my self in XXXX XXXX XXXX this XX/XX/XXXX I had 2 rooms reserved 1 for me and 1 for my daughter upon checking in i went to my room where the room was dirty moldy i went to the desk and told them i said we just checked in and will not stay in the rooms because of there filthy condition they said ok took our keys back and said no charge. when my bill came i noticed the hotel charged me for 2 nights and for both rooms i called the hotel and was given the General mgr name Mrs XXXX i called several times and left messages over 4 days she never returned my calls I notified Amex and filed a dispute they received info from the XXXX i was given XXXX credit and was still charged XXXX for the second room my dispute was reversed by Amex i called then again in XXXX and put it back to dispute once again they took the merchants side i tried to dispute again but was told i count have 3 disputes. when i told them again that i was only given credit for one room they took another complaint but in 2 weeks it was put back on my card. I called today and spoke to a disputes also who informed me that the docs provide were used 3 times the hotel never did the next 2 docs but amex used the original docs from XXXX all three time now if the first dispute was reversed then using the original docs would make all other disputes in favor of the XXXX XXXX. Today after filing another dispute and giving her reasons for the reverse design she agreed to have them resubmit a dispute asking for new docs from the merchant. Then she transferred me to another woman who told me that the new dispute filed today was not allowed. This XXXX XXXX is XXXX miles from my home and amex just used for all4 disputes the original doc from the hotel i told the woman to cancel all of my 4 Amex cards because of this. It seems that amex did not properly complete the last 3 disputes so ii did not get a fair shot with them and the hotel provide to them false docs saying i was given XXXX and XXXX and a fern night but all i got was a big headache from amex. I was hoping that yr agency can help me as of today i am being charged for something i never received and thing the fair credit act has protection for this
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2019, I attempted to do a balance transfer on this card with another bank. I called to customer service to verify the balance at that time, XX/XX/XXXX. They gave me an amount and the total went up XXXX dollars throughout the process, with no explanation or notice. It wasn't mentioned during my XX/XX/XXXX phone call. I had to cancel the initial payment from my bank, XXXX XXXX and initiate a new payment with the suddenly increased, undisclosed amount. I understand from a phone call today that Synchrony Care Credit has held onto this check since XX/XX/XXXX, not applying it to my account in an attempt to collect more interest I suspect. XXXX XXXX sent them a check for the increased amount on XX/XX/XXXX. The call center agents are hostile and unprofessional and completely irrational. I asked for a supervisor and XXXX came on the phone and was attempting to impersonate a supervisor by repeating he was an " account manager " and refusing to confirm whether or not he was a supervisor. When I figured out that he was lying, I asked for a supervisor. He claimed " none were available '' he was " very sorry. '' Kept repeating that, like a recording. I asked for my survey and he disconnected the call in a way that I was unable to take the survey, barring me from taking my phone survey. He attempted to pretend to be a supervisor after I asked for one. I was transferred to another call center 's " buddy, '' which was this guy. The problem is that Synchrony has my check, charged me interest during a balance transfer process and is attempting to charge me further interest to go into another additional billing cycle.
Consumer complaint received 2018-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Went to go get a student loan as I am a current XXXX senior in college and I was denied due to adverse information on my credit report. Knowing this should not have been the correct information I reviewed my credit report and had seen these accounts by XXXX XXXX and XXXX XXXX. I have contacted the office of the Attorney Generals office of CA XXXX XXXX, which I filed a theft report with along with the Federal Trade Commission and the XXXX XXXX Police Department. I certified with all 3 Federal and State Agencys that under the law or Perjury I certify all is true and correct, I am the victim of fraud that took place with XXXX XXXX & XXXX XXXX. Also I have contacted XXXX XXXX of the XXXX Firm to help me in the event that I need to file paperwork with the XXXX County Court.
Consumer complaint received 2018-12-22
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. (OK)

This complaint involves three parties : - XXXX XXXX XXXX ( ie. XXXX XXXX ) - XXXX XXXX XXXX - Equifax During XX/XX/2018 I relocated from [ city in ] Alabama, to [ city in ] Oklahoma. Prior to my move, I contacted Charter to disconnect my internet service and was told at the time it couldn't be done without some information located on my network router. I told them I would get back with them when the router was in my possession ( as I did not have it with me at the time ).

During my move, I had the router with me in the car ; so during a stop for fuel, I called XXXX and informed the representative assisting me of my intentions to disconnect services. I informed them that I had called once prior but was unable to due to lacking the information from the router - but that I had it now and was ready to proceed.

The representative in question was audibly confused by this, and stated that there was NO REQUIREMENT for me to have the information from the router the first time I called. She added that she was not sure why it would have ever been requested for a disconnection ; but that she was willing to assist me with getting it done during our call.

She then looked up my account and informed me the service would be disconnected as requested, and that NO ACTION was needed on my part. She added that they, in fact, OWED ME MONEY and that they would be issuing a check for it to my new address.

This is the last I heard from XXXX directly.

I never received the check for money owed to me ... What I did receive instead ( in a manner of speaking ) was a credit monitoring alert, this XX/XX/XXXX, that a collections account had been added to my report by XXXX XXXX XXXX for the amount of {$34.00} with XXXX listed as the client.

This collections account appeared on two of my reports : - One with XXXX - One with Equifax I disputed both of these ...

The dispute with XXXX was resolved in a matter of days, and the account in question REMOVED from my respective report.

The dispute with Equifax however, was filed XX/XX/2018, and it was not until TODAY ( XX/XX/2018 ) that I received notice that the dispute was completed. According to Equifax 's provided documentation, however, this dispute was completed XX/XX/2018. No explanation was provided as to why it took 24 DAYS following the apparent completion of the dispute to inform me about it.

The result of the Equifax dispute was " The information you disputed has been verified as accurate ''.

I fail to understand how this is possible, when the information is not only inaccurate, but outright fraudulent.
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I NOTICED IN XXXX THAT A FRAUDULENT ACCOUNT WAS OPENED WITH XXXX  XXXX IN XXXX. I CONTACTED THE FRAUD DEPARTMENT AND PROVIDED AND IDENTITY THEFT REPORT AND AFFIDVIT AND VERIFIED THAT IS WAS INDEED FRAUD AND THE ITEM WAS REMOVED FROM CREDIT REPORT. NOW XX/XX/XXXX I RECEIVED NOTIFICATION THAT LVNV LLC IS REPORTING DEROGATORY INFORMATION TO THE CREDIT BUREAUS ABOUT THE FRAUDULENT ACCOUNT
Consumer complaint received 2020-01-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

We where given 2 financial deferments in a course of one year for XXXX and XX/XX/XXXX these payments where to be put on the back end of the loan. After 29 calls I spoke to a representative in collecting department of XXXX XXXX  I was then granted another deferment for XXXX and XX/XX/XXXX because the representative she had discovered that the XXXX payment had been paid and that there was extra funds on the account because it was over paid from a previous month. So now there are 2 signed deferments all along we are not paying because due to the deferments. Doing the course of our loan XXXX XXXX reported 5 payments walked in to the bank and paid for {$1700.00}, {$1700.00}, {$560.00}. {$1700.00}, {$560.00} that equaled {$5700.00} and that was also reported to the credit bureau this payment would equal 10 full payments. My Husband took ill an I was working out of town and he was not allowed to make payment to the bank without my drivers licenses or ID so we paid in lump sums. we was told we was still behind so we ask for a deferment to catch up we made our first payment XX/XX/XXXX XXXX was our fist payment of {$560.00} missed XXXX he was not allowed to make payment in bank for me we also missed XXXX {$560.00} XXXX was missed the bank card used was not allowing payments once we found that out we paid {$1700.00} in XXXX XXXX to cover past due XXXX was missed we thought we paid enough to cover payment. XX/XX/XXXX we paid {$560.00} XXXX we paid {$1700.00} and XXXX we paid {$1700.00} this would bring the balance to {$5700.00} XXXX XXXX  granted the deferment our next payment was to be made in XX/XX/XXXX when we went to pay on the account we discovered that the account had been locked and that they had reported that our last payment was made in XX/XX/XXXX the Charged the account off is XXXX the never contacted us by mail or phone. we have still not heard from this company we have filed several complaint and would I need answers and Feed back on all complaint we have tried refinancing the truck to be told that they are unable to assist us we have had Attorneys to contact them financial company and etc. no letters no calls no response but they are reporting on my credit as 2 different banks XXXX and XXXX the only response I get is when I file a complaint with CPFCP they are committing credit fraud and this loan need to be removed ASAP off my credit and I would like a call or a letter explaining to me about what happen to my loan.
Consumer complaint received 2018-09-04
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. (FL)

I didn't authorize theses company to pull my credit report XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX, & XX/XX/XXXX. I have filled numerous grievance about the matter but to no avail. I even send the paperwork to all three ( 3 ) reporting agencies, their reply is that the information reported is correct ; yet when I asked for proof that it's me requesting theses credits they reply it matches my credit filled, so all these inquired into my report has lowered my credit score and the agencies refused to remove theses inquired, even when I submitted the request I sent to theses company to remove their inquires for credit, because I didn't request credit from their companies
Consumer complaint received 2020-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX I became XXXX ( not related to the virus ). I contacted the servicer for my Department of Education student loan ( Navient ) to change my Income Based Repayment plan. They acknowledged receiving my application and income verification documents. The student loan payment I made on my Income Based Repayment plan in XXXX was {$640.00} but then based upon my XXXX IBR application they changed my payment amount to {$1500.00} Under my XXXX insurance, I receive only XXXX of my regular income. This should apply to my Income Based Repayment plan as well, thus my recalculated student loan payment should be {$420.00} and this is the payment amount my IBR plan should indicate until my income changes or the one year IBR annual renewal occurs. 

During XXXX  school ( starting in XXXX ) I obtained student loans from several sources, however many years ago I refinanced all my student loans with the Department of Education at an interest rate of 4.25 % - then at some point Navient began collecting the payments. I understand that under the CARES act these student loan payments are not to be collected between XXXX and XXXX. 

Although currently on a XXXX, I am employed by a XXXX XXXXy XXXX XXXX XXXX for 4 years and have made monthly payments on my IBR plan going back at least 18 years. I worked for XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  at XXXX, XXXX XXXX, XXXX XXXX XXXX, and founded XXXX XXXX XXXX in XXXX. If my 5 years of work for the XXXX XXXX XXXX ( in the Kingdom of XXXX ) had been through the XXXX XXXX, or if I had been working in XXXX XXXX through XXXX XXXX XXXX, then that employment would more clearly apply toward Public Service Loan Forgiveness. But I believe that my employment during this period does apply toward a Public Service Loan Forgiveness. Is not working for the XXXX XXXX XXXX XXXX XXXX XXXX   also public service? I believe that it is, and thus a combined 4 years at XXXX, 5 years in XXXX, and 15 months at the XXXX XXXX XXXX program applied towards PSLF should release me from any further servitude to Navient.
Consumer complaint received 2020-01-13
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. (AZ)

I don't understand how the Bureaus can all have different information, its so frustrating-they should all report the same information-one dispute for all.I am hoping to buy a home and this is hindering it for me and my family. These companies don't listen to the consumer and have way to much power over a persons life. Experian has 4 collections showing open accurate from XXXX XXXX for me in the amounts of {$120.00}, {$120.00}, {$110.00} and {$120.00}. I have disputed these twice. XXXX  and XXXX  have these same 4 accounts as closed. I think these should also be closed on my Experian report.
Consumer complaint received 2020-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

THIS IS STILL NOT RESOLVED! and cfpb I need to add you to my complaint. When are you going to investigate this and do something about it! 
This has been over a year now that I have been trying to resolve this. It's lakeview loan servicing/my loan care that made the mistake! 
They overpaid my taxes. They didn't even wait for the bill. AND THEY DID IT AGAIN and AGAIN! They sent {$1000.00} XXXX20 and {$260.00} on XXXX2020. That's like double that was due! 
THIS SUSPENSE ACCT XXXX IS JUST ANOTHER SCAM FOR THE MORTGAGE COMPANIES TO RIP YOU OFF! 
If they wouldn't of sent {$1000.00} instead of the XXXX that was actually due, I never would of needed any suspense acct! I paid exactly what my closing papers showed for the first year - which was correct. Instead of having {$590.00} in my escrow acct after they paid my insurance Loancare shows me as having an escrow shortage. AND IT JUST KEEPS GOING MONTH AFTER MONTH! WHEN IS SOMEONE GOING TO GET OFF THEIR XXXX AND DO SOMETHING. I am dealing with XXXX   XXXX XXXX and I don't need this XXXX!
Consumer complaint received 2018-09-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ZARVAD III S.A. (CA)

Have a loan with my pay day loan dot com their interest rates are outside of legal regulations I asked my bank XXXX to stop the automatic withdrawals from my checking acct and to stop My payday loan to stop making remote checks XXXX have refused this request
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

My wife and I applied for a primary home refinance with Navy Federal Credit Union and were assigned a processor on XX/XX/XXXX. We were warned by Navy Federal Credit Union at the time of application that the volume was heavy and the average wait to close was about 82 days. We complied with all the required processing procedures in a timely manner, yet after waiting over 150 days, we still hadn't closed or got any formal resolution of our application. Still no formal response from Navy Federal to date. We finally received an email from a newly assigned Navy Federal Processor on XX/XX/XXXX stating that our application was " submitted to the Credit Committee as is '' and the date to have all items successfully received into the file was XX/XX/XXXX. " You are welcome to reapply in the future if you wish to proceed. Upon contacting the originator of this email we finally made phone contact with this processor. She told us that the application was incomplete. Asking her exactly was incomplete about it, she thinks that it was just incomplete due to poor communication between us and the processor. I can tell you we always responded to any request about this application in a quick thorough timely manner. Any lag time in anything was due to Navy Federal 's poor processing actions, not ours. We Have requested a formal written response as to why we haven't closed to date ( XX/XX/XXXX ). We got a voicemail from someone stating she was Navy Federal Supervisor XX/XX/XXXX which just stated " if you still desire further correspondence regarding the previous loan application her number is # # # # # # # # # #. Please give me a call if you want to reapply and there is no waiting period for you to satisfy ''. I have left 2 messages since this message was received and I have yet to get any response. In the mean time I have decided to initiate a loan with another company on XX/XX/XXXX. Perhaps our situation can help others in making a better decision when considering using Navy Federal Credit Union in the future.
Consumer complaint received 2020-01-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (TX)

Dear Williams & Fudge Inc., WFCORP, WFCARES, Williams and Fudge, or whomsoever may this concern. 

I am responding to your contact about a debt you are attempting to collect. You contacted me twice by email on the same day ; the first email was received on XX/XX/2019, at XXXX XXXX   stating I owed {$5900.00} for an account placed with your office for collections, and again, the same day, XX/XX/2019, at XXXX XXXX, I received a second email for the same account with the amount due {$15000.00}. 
Both emails identified the debt as having been placed with your office for collections and suggested I contact your office to clear the outstanding debt or use one of the various payment methods provided. Both emails contained disclosures that this was debt collection, and any information obtained would be used for that purpose. As of XX/XX/XXXX, I tried contact your office via the direct number provided for the agent, but have yet to receive a call back. I never received the written notice of my option to dispute this within 5 days of this email contact, which was the first contact I received from your company. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely,
Consumer complaint received 2020-01-13
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. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I'm trying to buy house, but i can not, because of my credit. 
i paid my accounts.
Consumer complaint received 2020-01-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

The company was deceitful in making me pay this already discharged Bankruptcy debt by making me believe that I still actually owed them for this debt that dated back to the year of XXXX. Besides the age of the debt, this debt was completely discharged by the United States Federal Bankruptcy court on XX/XX/XXXX and therefor I legally have no further owed obligation to repay a discharged debt as a result of my recent chapter XXXX bankruptcy filing done on XX/XX/XXXX at the XXXX, CA Federal Bankruptcy Court. Speedy Cash made it seem as if I paid this debt that they still are illegally claiming that I owed to them despite the fact that I had filed for bankruptcy, that they would give me a new loan once it was paid. They deceitfully lured me into making this payment to them thinking that I would be approved for a new loan from them for a much higher dollar amount, but instead, after I had made the payment to them, they conveniently denied my request for a new loan, and in fact, also told me that now I had to wait 60 more days before I could even re-apply at all. They not only lured me into paying off an old discharged bk debt, but they deceitfully did it and lied to me about being able to get a new loan from them afterwards if I had re-paid this discharged debt. Now they also not only deny this loan, but make it so I cant even re-apply for 60 days. Also, when they denied me I was not given any reason for the denial after I was told that this loan would be approved. Instead I get an email the next day that states that I was denied due to information they received not from a credit reporting company but a different unnamed source that has nothing to do with credit reporting bureaus etc This company was deceitful, dishonest, and preyed on my vulnerability. The next step is to file a complaint at my local court, and possibly at the Federal Bankruptcy Court for my region as well, if this not resolved at this level.