davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (AZ)

I made a payment on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX. The payment was mis-routed and was never applied to my school loan serviced by Navient. I've called no less than 8 times and every time was given different information on when my payment would be applied to my account. 

I called in with a representative from my bank to confirm payment was sent and was told by the Navient rep that my payment would be routed to my account in 8 business days, after those 8 days I called again for an update as my account was stilled labeled as past due. I was then told that the entire process takes a total of 14 business days and that I would need to call back in another 8 business days - that  math doesn't add up, I know. 

I called again after my account is still labeled as past due and affecting my credit, and was told that for the payment to actually be applied to my account it would take several weeks. Never have I been given a consistent answer from their customer service representatives. 

My bank can not process a refund for me either, because of how their XXXX  is set up. They claim it is in Navient 's hands now to find and reroute my payment.
Consumer complaint received 2018-09-07
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AMA Advisors, LLC. (NV)

Home Bridge is reporting a 30 day late to my credit report. They have admitted that they were wrong in charging me this late fee and sent me a letter saying that they would refund the late fee that I was charged. That was back in XXXX and they still have yet to send me the refund. 

Furthermore they can not say that they will send a refund for the late payment and continue to post a 30 day late to my reports. This company is terrible to work with and I have been trying to be routed to the correct person to fix this since it happen back in XXXX of this year. They are damaging me by report this loan inaccurately.
Consumer complaint received 2019-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (NJ)

There are 2 charges on my credit report from a collection agency " Trident Asset Management " They claim i own 2 payments to XXXX. 1 from XX/XX/2015 the amount of {$34.00} the second from XX/XX/2015 with amount of {$140.00} I never had a XXXX account on my name. I disputed both claims and both were denied. I called the agency to find out the number is a fax. I read the reviews and they all experiencing the same problem i'm having
Consumer complaint received 2018-09-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (FL)

This is about a 2nd loan mortgage from Guaranteed rate, Inc. XXXX XXXX XXXX XXXX, Illinois XXXX. This loan was funded XXXX XXXX XXXX. The loan number is XXXX. The loan has a second home rider attached to it. the address of the property is XXXX XXXX XXXX XXXX XXXX, NV XXXX. On the second home rider item 6 Occupancy is in question. The home has been rented out for short term rental since XXXX  forward. The home has been permitted by XXXX XXXX Neveda and advertised in XXXX since XXXX. Item 8 Borrower 's Loan application is in question.
Consumer complaint received 2018-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

I was involved in a fraudulent transaction involving Ms. XXXX XXXX from XXXX Missouri who indicated she had a XXXX XXXX XXXX XXXX XXXX for sale. XXXX had indicated in her correspondence that vehicle was to be shipped by XX/XX/XXXX once the vehicle was sold to a buyer. 

Come to find out, this was all part of an internet scan involving XXXX XXXX and XX/XX/XXXXXXXX. I was informed to wire {$9000.00} into a trust account held at wells-fargo bank in the name of XXXX XXXX. That once the vehicle arrives, I will have about a week to decide if I wanted to take possession of the vehicle. ( see emails from XXXX XXXX and XX/XX/XXXXXXXX ). 

{$9000.00} was wired into a Wells-Fargo Bank account at XXXX XXXX XXXX, XXXX MS XXXX into account holder XXXX XXXX XXXX account that was setup as a trust account. 
See XXXX XXXX XXXX address. Come to find out, this was a SCAN as XXXX and XXXX XXXX did not deliver the vehicle on Monday as planned. Attempted to reach out to XXXX and XXXX XXXX, but to no avail. 

Immediately contacted my bank, XXXX XXXX XXXX in XXXX XXXX, MN and reported to the Fraud department that a scam had taken place. XXXX reached out to Wells-Fargo to freeze the account but was told they could not do anything about the situation. I also called and spoke with a Fraud Department at Wells-Fargo, but was informed no information will be provided to me as I do not have an account with Wells-Fargo and they have to protect their client 's interest. Informed them that this was a fraudulent transaction, but to no avail.
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MI)

I have paid for all items received, a yearly XXXX XXXX Account and XXXX is now disputing multiple purchases will not allow me access to account and is still billing me for items returned.
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

I was researching credit cards online and decided that Citi Double Cash MasterCard,  was the best one for me. I found a promotion on their website that offered me {$150.00} cashback if I spent {$500.00} on the card within the first 3 months. I applied, and when I was approved there was no mention of this promotion being attached to my account. Before spending any money on the card I called in asking about the promotion. They told me it wasn't attached to my account. So I got of the phone, found the link that I had applied through, and sent if to Citi bank over chat. They told me to call in. I called in and the supervisor said I had to print off the offer and send it to them through regular mail. I did that, waited a few weeks and called back in, and they still say I can't get the promotion. This promotion is still currently live on their website. One of the disclaimers is that you can't get it if you have ever had a Citi card in the last 2 years. I've never had this or any Citi card ever in my life. 

XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have had student loans with Navient for many years. When I applied for the Public Service Loan Forgiveness program they said that the school I worked at qualified but not the current loan I was in. I have requested Income Drive Repayment Loans for years but was denied.
Consumer complaint received 2022-07-10
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. (IL)

I have called Transunion to try and fix my inquiries. Transunion is showing inquiries that are not mine, XXXX and XXXX both show the correct information but Transunion is showing inquiries that I have never made or authorized, I have asked them to remove them but they refuse to do so and say they will look into it but nothing has happened. I have called them numerous times in the last few months but they refuse to help.
Consumer complaint received 2018-09-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/18. I called Citizens Bank On Line Banking and informed the rep. XXXX that the payment posted on XX/XX/18 to My XXXX XXXX XXXX   XXXX ( XXXX XXXX ), did not receive the payment. I also informed her that I have the confirmation # and on XX/XX/18, I submitted a request for an investigation be made regarding this matter. XXXX responded that she checked and verified that the bill was successfully paid an there were no returned payment and there is nothing she can do. I asked to speak to her supervisor. A few minutes later, XXXX XXXX XXXX, her supervisor, came he basically said the same thing. I suggested that maybe he can fax some kind of paper trail to XXXX XXXX. Something to help them track the payment. He gave me his direct phone # so I can get the fax # from XXXX XXXX. Unfortunately XXXX Had no fax #. I can contact them through my XXXX XXXX  secure email. I called XXXX XXXX back shortly after, and we made arrangements that he would fax me the info the following day - the XX/XX/18, and I would then email it to XXXX. XXXX XXXX never called or fax or responded to my calls on the XXXX or the XXXX.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have notice credit enquiries on my report that i did not authorize, which resulted in a significant drop in my score. 



XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX Specialty Clothing Store XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX Yes XXXX/XXXX  Department And Variety Stores - non specific XX/XX/XXXX Yes XXXX XXXX/XXXX  General Clothing Stores XX/XX/XXXX Yes XXXX XXXX XXXX  Credit Card XXXX. 
XX/XX/XXXX Yes XXXX Auto Reseller XX/XX/XXXX Yes XXXX Auto Reseller XX/XX/XXXX Yes XXXX/XXXX Department And Variety Stores - non specific XX/XX/XXXX Yes
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

I received a alert through my credit monitoring of a new derogatory account. The account is with Convergent outsourcing for XXXX. I have never in my life had service with XXXX. I filed a Identity theft report with the FTC and on XX/XX/2022 I sent documentation to Convergent Outsourcing as well as XXXX and XXXX with certified mail. I have yet to receive any response from the collection company as well as from XXXX. XXXX has removed the fraudulent account, XXXX has not. This account is not mine.
Consumer complaint received 2018-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The J. G. Wentworth Company (VA)

XX/XX/2018 To : CFPB To Whom it May Concern, I am very upset at how my mortgage process was handled by XXXX. XXXX.Manager XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX used a tactic called BAIT AND SWITCH on me. When I started my mortgage I was locked in at XXXX % with point. When I finished 4 months later my interest rate was XXXX XXXX with XXXX points. I needed two extensions from HUD which cost me an additional {$700.00}. My mortgage process should never have taken 4 months. 

The conventional mortgage was changed to a Construction/ Home Improvement Mortgage. The time extension that XXXX. XXXX caused was based on their report stating that the living room/ dining room/ kitchen floor, basically the whole house floors were in need of repair, the total cost being {$7400.00}. 

The floor did not need to be repaired. In doing my research the previous owner had 4 dogs ( XXXX ) what happened was these dogs XXXX  all over the floor which caused an odor. I repaired by encapsulating the oder area with XXXX and XXXX paint. My total cost was {$200.00}. The reports writer never mentions dog XXXX in any report and that was the problem all along. 

Both XXXX. XXXX and manager XXXX XXXX, are both accountable because of their incompetence extended the mortgage so that I would pay the higher interest rate and additional fees. That is the BAIT AND SWITCH. 

When looking at the documents I submitted, you will see why they misrepresented themselves. 

Thank you for your cooperation in this matter. 

Respectively yours, XXXX XXXX
Consumer complaint received 2018-09-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CL Holdings LLC (KY)

( 1 ) On XX/XX/XXXX I purchased a car and got a loan through XXXX XXXX XXXX XXXX ( XXXX ). ( 2 ) On XX/XX/XXXX I voluntarily surrendered this car to the lender, however, it took XXXX four months to pick up the car after I offered to turn the car in to them. I'm sure they were adding interest and late fees during this additional four month delay. ( 3 ) XXXX was required to send specific notices to me, under state law, which I never received. ( These notices are itemized in a letter I sent to XXXX on XX/XX/XXXX ). I never received any documentation as to the amount the car was sold for, how much was credited towards my loan or any details on the exact amount of the loan that was still due. ( 4 ) On XX/XX/XXXX an Order of Dismissal was issued by a Kentucky Court on the referenced loan. This is the first time I was notified that XXXX had taken legal action against me in the first place. ( 5 ) On XX/XX/XXXX I met with a military financial counselor who helped me prepare a letter to send to XXXX. I mailed the letter USPS certified return receipt and never received a response. The letter is attached ( item 5 ). ( 6 ) After no response from XXXX, I pulled my credit report and noticed that XXXX XXXX out of XXXX XXXX, MN is now collecting on this car loan. I have not received any notification from XXXX XXXX. ( 7 ) On XX/XX/XXXX the military financial counselor helped me prepare a letter to send to XXXX XXXX to request validation as to their claims. 30 days have past and I have had no response from XXXX XXXX. This letter was mailed USPS and I have proof of delivery ( attached item 6 ) ( 8 )  Today I am sending a second letter to XXXX XXXX ( attached item 7 ). ( 9 ) Proof of USPS delivery is attached as item 8.
Consumer complaint received 2018-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (AZ)

I used the BBVA app to make my loan payment on my car, {$290.00}, on XX/XX/2018. As is standard practice, I received a confirmation code to use to submit my payment. Because of the holiday the payment dud not pist immediately to my checking account. Finally, on XX/XX/XXXX I was horrified to see there were 3 car payments in pending status on my bank website. My balance was overdrawn by more than {$400.00}. I immeciately called XXXX. The rep took my number and assured me only 1 payment would go through. He said he would call me back that day as well. I also called my bank, XXXX XXXX. They told me since the transactions were in pending status they could be cancelled by the merchant so to wait for 24 hours and call back if needed. Today, XX/XX/XXXX, I saw that in spite of my their error, BBVA had processed all 3 payments! My checking account balance was almost - {$500.00}. I called them again, irrate. I received the same promise that paperwork would be sent up the ladder, and eventually a check would be remitted for 2 payments and mailed out to me. In spite of me demanding it be electronically deposited back immeciately into my account, they insisted that could not be done and it would be over 10 days before a check could be mailed. I called XXXX XXXX to update them on the reason for my increasing negative balance. I have other bills and automatic payments coming through my account and dont want them rejected, or my account closed. They are aware of the horrible position BBVA has put me in and will hopefully make the automatic payments as they come in in spite of my growing negative balance. The overdraft fees are astronomical, in the meantime. I pay my bills on time and did nothing wrong. BBVA took 3 payments from my XXXX XXXX checking account and put me in a desperate financial predicament. I have no money to buy food for my children, gas for my car, or pay other bills. I am at the mercy of BBVA until they decide to mail me a check. They claim they can not electronically refund my money even though they took unauthorized payments from my checking account. I dontmake a lot of money but Ive always been able to meet my responsibilities to my children, my creditors, and landlord ... until this week. Im pleading for your help and thanking you in advance for anything you can to do help me. I dont know where else to turn. I dont know if I can recover from a financial blow like this. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2018-09-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been disputing a portion of a charge with Bank of America on purchase of {$190.00} for the past month with no success. I have advised Bank of America on numerous times that I have not received or singed a receipt from the merchant on this transaction and I only remember spending about {$79.00}. Bank of America refused to ask the merchant to produce a signed receipt for the charge and credit the unauthorized amount back to my account. I think bank of America is in violation of my billing rights under Reg Z
Consumer complaint received 2018-09-07
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)

After reviewing my credit files, on XX/XX/2017 I wrote to XXXX XXXX a collection company reporting account number XXXX and disputed the account reported on my credit files. I explained to the company that this account was unknown to me and I required full validation of this account. I believe that my personal information was used to obtain accounts with out my consent and it is for this reason I need to know the full details of how this account was opened by XXXX XXXX ( please see the attached copy of the letter sent ) and received no response. 

I then wrote to the credit bureaus and see why the account is still reporting inaccurate information about me and received no response. 

I request the assistance of the CFPB in the communication of my dispute.
Consumer complaint received 2023-03-18
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. (AR)

On XX/XX/2023, after ordering a credit report from XXXX, I sent a Disputed letter to the credit reporting agencies. I found these UNVERIFIABLE accounts on my personal profile after receiving a copy of my report, and I also discovered that my credit report contains accounts that are deceptive to me. On XX/XX/2023, I wrote to the three credit bureaus. I believe they violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) by failing to authenticate these accounts ( A ). This was part of my most recent COMPLAINT, and I'm hopeful that it would prompt an immediate correction of the following accounts ' late payments : XXXX XXXX Balance : {$24000.00}. It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range.
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Quicksilver Credit card.. back in XXXX i reported that 2 identical charges for {$37.00} were charged on my account after i had already checked out of a XXXX XXXX XXXX in XXXX XXXX XXXX.. they started and investigation and finally yesterday Capital one called me and put me on a 3 way phone call with the XXXX XXXX XXXX, first they said that i was charged a resort fee and then after a supervisor of hotel resort said that i was given a discount at check-out that i was not supposed be given.. he admitted that they charged me twice for each room for the difference, since their employee was not suppose have given me the discount.. i explained that it was their mistake and they had no right to charge my credit card.. he admitted that they charged my credit card without my permission or signature and they had every right to do it, i explained it was fraud and the Capital one credit card agent also explained that to them, but they refused to accept any wrong doing.. Capital one agent then told me that i would have to pay for both charges of XXXX.. Capital one recorded the entire 3 way phone conversation ..
Consumer complaint received 2024-03-01
Product: Credit reporting 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)

I appreciate your attention to removing some of the fraudulent items from my file, stemming from alleged fraudulent activity. However, there are remaining items that require removal. This serves as my second communication regarding being a victim of fraudulent activity, disputing certain items resulting from this crime. The disputed items do not pertain to any transactions for goods, services, or money that I have authorized or engaged in. Kindly remove any items in my credit file resulting from alleged fraudulent activity, as they are unknown to me. Additionally, I have doubts about the accuracy of the information provided on these items and the reported payment history. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I have attached FTC report # XXXX for your reference. Below are the remaining items I request to be removed, categorized by bureau : XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX CO XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$290.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$920.00}. Once again, the disputed items do not relate to any authorized transactions. Kindly remove them promptly from my credit reports. I anticipate positive results within the next 30 days.