davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: COAST PROFESSIONAL INC (WA)

In XXXX of XXXX, I setup a monthly auto payment with Coast Professional to rehabilitate my delinquent student loans. In XXXX of XXXX, my scheduled payment failed to process. I did not receive any notification that payment had failed. I believed payments were still processing as usual, since I was not informed otherwise. In fact, I received monthly statements from Coast Professional and those did not indicate there were any missed payments, outstanding balance, or any other abnormalities with my account. It was only brought to my attention that there was an issue when I received notice from the Department of Education indicating that my wages would be garnished. 

Ive contacted both Coast Professional and the Department of Education to rectify this and resume payments, yet both indicate that its up to the other organization to approve me continuing my loan rehabilitation without having to start the process over entirely. I spoke directly to XXXX XXXX, a Consumer Care Manager at Coast Professional, and was told that the Department of Education could add a note to my account regarding me remaining in the rehabilitation program. I contacted the Department of Education and they made note on my account yet when I contacted Coast Professional again, they are now saying that it must be a direct order from the Department of Education. I continue to get the run around with nobody seemingly able or willing to adequately assist with this issue. Everyone seems to understand that this was an error and that I did not receive notification, yet Im still told I will need to start the rehabilitation process over anyways. Additionally, Coast Professional accepted payment from me on XX/XX/XXXX, which I made to show that my intent is to remain consistent and that the payment failure was due to an unforeseen issue and not a lack of funds or any other outright failure to pay and comply with the rehabilitation terms. 

I have again followed up with Coast Professional and spoke with XXXX XXXX, another Consumer Care Manager. I was informed by him that any attempt to reach me would have been from XXXX. This is the same number I saved in my contacts when first setting up my loan rehabilitation, at the advice of the representative for my account. I did not receive any calls from this number. I was also informed that Coast Professional did not leave a voicemail and that no mail was sent to notify me of a payment issue. Not even the monthly mailed statements show any missed payment. This is an unfair debt collection practice and it is very misleading to send monthly correspondence via mail and not inform consumers of any account issues. I believe this is predatory and not in the spirit of honest, clear communication with consumers. Actions such as this directly result in a collection agency being able to retain a borrowers account in their portfolio by recycling them through the rehabilitation program multiple times.
Consumer complaint received 2019-07-19
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. (OH)

I faxed Equifax my identity info and proof of address and SS number to put a freeze on my credit due to identity theft and they replied to me with a letter stating that my credentials did not match thier records, therefore they suggested I send all my information postal mail so I sent it.on XXXX XXXX They sent me another letter stating that my records to add a freeze on a child did not match thier records. This is insane because I did not even mention anything about a child. It's obvious that Equifax is fraudulent and playing games with me. I need help with this travesty.
Consumer complaint received 2019-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX I contacted Wells Fargo Bank in order to refinance with cash out and lower the interest rate on an existing loan with them. My desire was to refinance the loan and cash out {$30000.00} which would have brought my new mortgage to about {>= $1,000,000}. My Wells Fargo representative was XXXX XXXX. On or around XX/XX/XXXX on a recorded line, I informed her that I had a mortgage foreclosure with Wells Fargo Bank that dispositioned in XX/XX/XXXX. She stated she had run my credit using my social security number and was UNABLE to find it. She completed my credit application using the information she found on my credit report. I never personally completed the application. The process proceeded with me submitting all requested documents and paying out of pocket expenses of {$540.00}. for the property appraisal. The property was appraised at $ XXXX+ on  XX/XX/XXXX. On XX/XX/XXXX, Ms. XXXX informed me that the Underwriter had located the Foreclosure dated from XX/XX/XXXX. My application was denied for refinance due to the Foreclosure. I inquired about refunding my money for the appraisal, as I had informed Wells Fargo early on that I had a foreclosure in XX/XX/XXXX. Ms. XXXX stated that my appraisal may still be valid by the time the seven year mark ( XX/XX/XXXX ) and that I may use the appraisal at that time. I told her that was foolish due to real estate being a very dynamic and volatile market. That appraisal is a dead document at this point. Not worth the paper it's written on. 
I reached out to Wells Fargo XXXX XXXX and XXXX XXXX and XXXX XXXX handled my case. I requested that my appraisal fee be refunded. My argument was that I told the Wells Fargo representative early on in the process that I had a foreclosure in XX/XX/XXXX. I could have avoided wasted anticipation, expectation, and most of all money if she would have informed me that I would not be approved based upon the recent foreclosure. 
Mr. XXXX sent a letter dated XX/XX/XXXX denying my request for the refund of the appraisal fee I paid. 
Wells Fargo has been in the news lately for their practices and missteps. I believe that I was wronged in this incident, and respectfully request that their business practices be investigated again. 

Sincerely, XXXX
Consumer complaint received 2019-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (GA)

When I stopped doing business with XXXX they claimed I still had some hardware that I never had ( TV boxes when I only had internet from them ). Since then they have been trying to collect {$320.00} from me which they reported to the credit agencies. I disputed the first report but they just withdrew it and re-filed it under a different collection agency. There now seems to be a pattern as it has been filed and withdrawn by at least 3 different collectors so far making it impossible to properly dispute.
Consumer complaint received 2019-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

On Tuesday ( XX/XX/XXXX ) I applied for forbearance on my private Navient student loans due to flooding in Missouri ( natural disaster, state of emergency ). I was granted forbearance for 90 days which they told me started that day. We have auto draft and the payment was taken out of our account two days later, not sure why their system didnt put a stop on it. I called yesterday ( XX/XX/XXXX ) and they said they would issue a refund that would take 3-5 business days. I called today ( XX/XX/XXXX ) to confirm the refund was in process- over {$400.00} is a lot of money to just be sitting in limbo. The customer service rep told me today I had to submit my banking information. I told her the lady from the previous day said nothing about this. She apologized and then needed my banking information to process the refund. I told her she already had it because they auto draft our money every month. She then proceeded to tell me it would take 7-10 business days. I dont understand how this company is still in business. They have zero integrity, and their customer service is difficult to understand and does not give accurate information. This 90 days forbearance is suppose to be helping me, but instead is causing a huge headache and saving me XXXX money. I am a stay at home Mom of XXXX kids and pay over {$400.00} a month, how is this right? They offer no help, and one rep even suggested to switch carriers because there was nothing they could do to help me. As of now, I am calling my bank and issuing a refund because I can not trust that Navient put a refund on my account. This is a nightmare, and I understand why they are being sued.
Consumer complaint received 2019-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

Our company 's email account was hacked in XX/XX/2019. The hacker sent emails to our customer stating that our bank account number had changed. Our customer issued due payments against our invoices ( i.e. {$83000.00} & {$11000.00} ) to the fraud account by electronic funds transfer unknowing that these payments were issued to a fraud account. The fraud account was also an account with our bank, i.e. Wells Fargo Bank N.A. 

Wells Fargo Bank N.A. accepted the electronic funds transfer despite a complete disconnect between the beneficiary name and beneficiary account number. As the fraud account as well as our company 's accounts are Well Fargo Bank N.A.  accounts, Wells Fargo Bank N.A. knew that no person had rights as a beneficiary and acceptance of the subject electronic funds transfers can not occur. 

I have included herewith email correspondence along with corresponding document exchanges with Wells Fargo Bank N.A. requesting feedback on this error on their part. They are standing firm that beneficiary account name and beneficiary account numbers are not verified prior to wire acceptance. I believe this is willful negligence on part of the bank. Furthermore, I have repetitively requested Wells Fargo Bank N.A. to provide their Incoming Wire Security Procedure & Policy, but have been denied access even though our company is their customer. I believe this is willful deceit by the bank. 

Would appreciate if Consumer Financial Protection Bureau can review this issue and provide guidance in the matter.
Consumer complaint received 2019-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

I have received repeated letters from Resurgent Capital Services, addressed from XXXX XXXX XXXX, XXXX MI XXXX. They claim that I am delinquent on a debt from a XXXX XXXX XXXX credit card for a debt balance of {$1000.00}. I sent them a letter via Certified Mail indicating that I have never had any account ever with XXXX XXXX XXXX. I disputed the debt, it is not mine. 

I received a letter later with an account summary report for the charges from XXXX XXXX XXXX credit card. The account holder 's name is the same as mine, addressed in California. I sent them a letter via certified mail disputing this debt and informing them that the individual on this account is not me. I have a common name. They are contacting the wrong person. They have repeatedly sent me further letters demanding I pay the debt. I have repeatedly sent them letters via Certified Mail informing them they are contacting the wrong person. They have never once asked for verification of identity to make sure they have the correct individual. 

I have never lived in California. I have never had an account with XXXX XXXX XXXX. I want them to stop contacting me. I have pulled my credit report several times and confirmed I have never had an account with XXXX XXXX.
Consumer complaint received 2019-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc. (WI)

They first reported it to the credit bureaus. Then I received notice of this debt. I replied back that I have no knowledge of this debt. My XXXX account has a XXXX  balance. This is the third request for them to remove it from my credit file and send proof of debt. They have done neither. If they cant provide me with proof of debt it needs to be removed from my credit file.
Consumer complaint received 2019-07-19
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. (WA)

In the course of applying for a job, I discovered a collection account on my credit file from XXXX XXXX   XXXX on behalf of XXXX XXXX XXXX XXXX for an ER visit to XXXX XXXX XXXX XXXX on XX/XX/17, in the amount of {$1200.00}. This report is fraudulent, as I was not in Nevada at the time and have not used any ER services in over 10 years. I did drive through Nevada on XX/XX/17 and XXXX and used my credit card to purchase gas and food. But I have not been back since. 

I disputed the information several times in XXXX with both XXXX and XXXX, and after speaking directly to a representative from XXXX XXXX XXXX who confirmed that the report was fraudulent, filed a police report with the XXXX XXXX police. I also sent a letter to XXXX XXXX XXXX formally disputing the debt. They sent back their records, which confirm that the person who went to the ER that day was not me. 

Despite this, both credit bureaus simply rubber stamped the report as correct, every time. So today I spoke to another XXXX XXXX  XXXX representative, who again confirmed that it was fraud, and said he would escalate the issue. I then called back XXXX, who gave me the runaround and eventually hung up on me. This is an outrage, and may have cost me a job because the credit unions, as well as XXXX XXXX XXXX, failed to do theirs.
Consumer complaint received 2019-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WATERMARK CAPITAL, INC. (NV)

I have a mortgage through Watermark Capital serviced by XXXX. The first payment was due XX/XX/2019. I make payments through a bill payment service. When I did not see the first payment post at the XXXX website, I made a payment directly through their website to insure I was not late on the first payment. Turns out myloancare was just slow in posting the payment made through the bill payment service, so it ended up that I made the first payment twice. 

In early XXXX, I noticed that rather than applying the second payment to principal, they applied it as if it was early for the next month. They also applied the impounds to the next month, rather than to the principal. 

Since early XXXX, I have spent hours waiting on hold, left messages that were not returned, and have spoken with five agents - XXXX, XXXX, XXXX, XXXX - a manger, and XXXX. Each of the agents said the issue would resolved in some number of days ( varied among agents ) or that I would get call back by a manager. In each case, nothing was done and there was no follow-up. 

I am writing to see if a complaint to CFPB may help me get some action on my request.
Consumer complaint received 2019-07-19
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: Radius Global Solutions LLC (FL)

RADIUS GLOBAL SOLUTION has placed a fraudulent medical collection on my credit report. I have never received any notification for medical bills and I am a XXXX   and have a great benefits package. This is negatively impacting my credit and needs to be removed immediately.
Consumer complaint received 2021-07-22
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: ACIMA CREDIT, LLC (CA)

Fraudulent account was open without my permission or consent. My phone number and other personal information was used to attend an account through a company called a Acima credit. 
Prior to contacting this credit company I had contacted the authorities, created a police report and a federal trade commission report of identity theft as well as provide it all supporting documents to all three major credit reporting agencies about the fridge in the intrusion an incident. 

The account was investigated as fraud through the credit report agencies and deleted as a fraudulent account. On the same day, this company reported this fraudulent account causing punitive damages and making it impossible for me to complete my mortgage transaction. From that I have lost my money due to these companies in ability to read a police report which defines all the information necessary to delete this fraudulent account. This company has done so and then has turned around and reverse the action the same day. This reversal from my understanding based upon the phone number that was used fraudulently to obtain many things including cars, credit cards and this account here. 

I feel that my rights have been violated I requested them to remove this fraudulent account based on the fact that they did not provide any information to me and they do not have an address where that information couldve been sent to where I could have received notice of this fraudulent account therefore preventing it from hitting my credit report and working through the fraud processes of clearing this account. Instead they proceeded to place the account on my report without any notification be sent to me that there is a debt with their company that requires attention or clarification. Furthermore, upon receiving The police report I didnt need that for four and supporting documents proving that a fraudulent transactions taken place, they still did nothing. 

I believe this companys practices are of a fraudulent nature to the fact that they are collecting on accounts even after the fact that they are deemed fraudulent accounts and they refuse to abide by federal and state laws that govern them and actions pertaining to identity theft.
Consumer complaint received 2019-07-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have not been able to access Trans Union. It would not take my user name, SS #, or password. I have been informed by XXXX XXXX that there was a security breach. As you all know that companies that do security breaches do not inform victims of such abuse. 

I also disputed a debt and so far nothing has been done.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is what Equifax is claiming validates the debt between me and XXXX XXXX XXXX. XXXX XXXX capital. See file named XXXX  debt. I made the same thing up on my computer and I put Equifaxes name on it so this proves Equifax owes me money. If they are claiming that what XXXX submitted as proof of debt then what I am submitting prove Equifax owes me money. XXXX has not produced the credit card contract. They have not produced a receipt with my signature on it or anything else expect for a spread sheet that alleges I owe this debt. If Equifax allows XXXX to present that as debt validation then what I presented here proves Equifax owes me money.
Consumer complaint received 2019-07-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (NV)

I was a former customer of XXXX XXXX XXXX  XXXX XXXX, Nevada located at XXXX XXXX XXXX XXXX XXXX. I am XXXX years old and this dealership has done business with me in the past, but i never had an issue with a purchase. A sales man name XXXX XXXX of that dealership and i was pushed into a car i did not want. I was told i was getting a much cheaper vehicle than the one i was pushed into. I was told to take the car but my reply was i have to think about it, and 3 days later i show up and i was pulled into the managers office and was approved for a loan i didn't understand being told by XXXX XXXX, and this so called manager of the dealership. 

This what i believe to be, Predatory lending which targeted me and other minorities, the poor, the elderly and the less educated. Seeing that i was denial 5 times by other lenders including my own bank at XXXX XXXX I was rushed to sign the paperwork with promises that i will have a low car payment and was told by XXXX XXXX that because i worked for XXXX i can make my car payment in one week. Which is not true, I'm XXXX   year and can not move like a XXXX-year-old kid anymore. 

When i received the car and 3 days later after having the vehicle in my possession i did not want this car and i wanted my trade-in vehicle back plus my {$3000.00} cash that came from my savings. 
Then they made me sign a document for an additional payment of {$23.00} for repair if the car breaks down this will cover all cost, but it wont change my oil or wipers. 

Now i have 15 days as per the Nevada DMV to get my trade in back. 
and this is what the website states at https : //dmvnv.com/regdealer.htm *Trade-In or Sale to a Dealer* If you are trading in a vehicle or selling one to a Nevada dealer, the dealer is required to satisfy any loan or lien within 30 days. Other states have similar laws but be sure to ask an out-of-state dealer when the lien will be satisfied. The dealer may have you sign a Power of Attorney or similar document if you do not have the title. 

Nevada dealers are required to keep your trade-in until the financing on your new vehicle is finalized ( up to 15 days ). They must return your trade-in if they offer you different financing terms and you decline to accept the new contract. 

Keep your license plates. These must be used on another vehicle or surrendered within 30 days. You will be issued a credit for the unused portion of the current registration. 
This is unfair to an XXXX year old man.
Consumer complaint received 2019-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

We paid off our mortgage loan on XX/XX/2019. One day before closing, the mortgage holder, XXXX XXXX XXXX, withdrew {$9800.00} via automatic transfer from our checking account for the XXXX monthly payment. In the latest correspondence from SPS, dated XX/XX/XXXX, they refused to refund the unwarranted XXXX payment.