davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (FL)

A few weeks ago, I received a phone call. The man on the phone stated they were trying to collect a debt. I strongly believe this is a scam. Today, I received two letters by mail stating I owe the XXXX XXXX XXXX Florida almost XXXX XXXX dollars. The debt collector claimed they work for XXXX XXXX XXXX XXXX. I've never heard of the XXXX  XXXX XXXX Florida. I've never attended the XXXX  XXXX XXXX Florida. I've never taken an online course from the XXXX  XXXX XXXX Florida. They claim the debt is from 2016. I don't even think I was in Florida in 2016. I believe they are scammers pretending to be a debt collector. 

The letters and phone calls I received are causing me stress. I would like them to be brought to justice. I believe they are scammers trying to defraud me. I've never heard of the XXXX  XXXX XXXX Florida.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX, I was issued a {$100.00} conditional payment credit since I had mailed in a money order but CitiCards never received it, so I made a payment of {$120.00} on XX/XX/XXXX towards the {$110.00} Statement Balance for XXXX. 

When the XXXX Statement generated, I had a Statement balance of {$41.00} due to the conditional {$100.00} credit, but then I paid a total of {$140.00} on XX/XX/XXXX, which would have covered the {$100.00} conditional payment credit. 

On XX/XX/XXXX, Citi reversed the {$100.00} conditional payment which shows on the XXXX Statement, but I feel it is an accounting/journaling error which is not reflecting the {$100.00} payment made on XX/XX/XXXX, and I feel that my XXXX Statement should only have been {$30.00}. 

I have spoken to several Representatives at Citi and informed them that it may be a journaling/accounting entry error which may have to be resolved on the back end but haven't been able to get anywhere,
Consumer complaint received 2022-10-12
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: Bread Financial Holdings, Inc. (WI)

I have three accounts with Comenity ( Bread Financial ) that have not been accurately reported since XXXX of 2022. I have disputed this information with the credit bureaus and have yet to receive a response. It is showing I still have balances on these accounts impacting my score negatively. Today I have attempted to send a message and I keep getting an error saying there was a " glitch '' that my message couldn't be sent. One of the accounts has been closed since XX/XX/XXXX and they have not updated my report to reflect this either. Comenity also refuses to answer there phone lines it seems as I have waited hours multiple times to have this resolved.
Consumer complaint received 2020-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Whenever I review my credit score on Transunion, I see interesting information. Example : An increase of my XXXX card by {$120.00} resulted in a 12 point drop in my credit score. That does not make sense at all. 
In addition, a current property loan is not showing. The original mortgage company sold my loan to XXXX. XXXX still has not reported credit activity. 
I am just lost on this credit thing. Why is the score always dropping in spite of the fact I have an excellent payment history on my credit reports?
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Unable to file a dispute with Credit bureau in regards to inaccurate account on my credit. XXXX XXXX XXXX is reporting on my credit and can not provide a contract with my signature proving that I opened this account. It was opened falsely years ago. I would like to the valid proof that I own this account because I never did. Its also been on my credit for 7 years. Please remove.
Consumer complaint received 2023-02-22
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: AMERICAN EXPRESS COMPANY (TX)

I applied and was approved for a XXXX XXXX XXXX card with the promotion being XXXX points received once XXXX dollars was spent in the first 3 months, which I completed in a little over a month. I surpassed the XXXX dollars required and called to ask why my points have not been awarded. After talking to customer service, I had the call elevated to a supervisor where he repeated what the CS agent had told me that since I had already received bonus points with another AMEX card ( XXXX ) recently, I was declined the bonus points for this card. I was never told about this via call or email because if i had, I may have not kept the card. I have been an AMEX card holder for 23 years and I find this practice extremely shady and disappointing that i had no issues with my other AMEX accounts. I believe i should receive the full XXXX bonus points that the promotion stated, and why I applied.
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation (AZ)

During the last few days of XX/XX/2017, I met with XXXX XXXX a loan officer at Academy Mortgage. I applied for a loan, not knowing what type of loan but she submitted me as a conventional loan. At very first meeting I mentioned I had lost my house in foreclosure 6 years ago -- -to my best knowledge there are only three types of loans I could get after three years from a foreclosure and that is FHA , VA , or USDA . My credit score at that time was XXXX. She told me no problem that I was approved and we would continue with the loan process as a Conventional loan as I was giving {$70000.00} down. She requested the {$480.00} for the appraisal cost -- During the loan process they issue the loan to another loan officer, XXXX as XXXX XXXX had left Academy Mortgage. Now, I started all over with documents because I was told they could not locate any documents, so I complied only to be told that I did not qualify for the loan because of my foreclosure. So I feel I was taken advantage of because any loan officer should know a conventional loan can not be approved until after 7 years. They should have submitted my loan as an FHA. I am now out {$480.00} and I want it back -- besides you do not order an appraisal until you know a loan is actually approved. I feel I was discriminated due to my language barrier I do not speak English very well. I wan my money back since they made a mistake on telling me I was approved. Please help me get my {$480.00} back. Also, I am attaching complete Letter I wrote to Academy mortgage requesting my money back and they have not responded.
Consumer complaint received 2021-04-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO. (CA)

I leased a number of cars with Ford Motor Credit. My last experience was quite bad and due to the fact that the ownership of the local dealer we did the lease with had changed. I was told they were working with FMC to resolve issues but in the end FMC said they had done nothing. I had extended the lease, paid the extra amounts, etc. We had the car inspected and spoke to our local dealer about changing with a new lease ( and in those cases they often waive any wear+tear issues ). We also spoke to a few other local Ford dealers who made similar promises. But then because of timing they inspected the car again - and this inspection was completely different, damages disappeared, etc. We had no work done on the car in between. We decided NOT to lease again from Ford, primarily because Ford quality had gone done and at the end of the 3 year lease we were seeing more quality issues. This car had a major tech glitch and many other problems, and some of the major repairs were in the last 3 months of the lease. There were also recall issues that added an ownership burden ( dealers are not near our house so we always lost a day of work when we had these ). After we turned the car in Ford did a THIRD inspection. Now we had double problems over the first inspection, and also different from the 2nd. These inspections were not repeating the same findings at all. We waited some time and then Ford came up with a LARGE amount for wear and tear and excess mileage ( almost {$2000.00} and we had down repairs, replaced tires, etc in last 3 months of ownership ). We owed excess mileage but we wanted an understanding of how these inspections could be so far off. I called and spoke to the dealership and they said it was crazy but ownership had changed, they did not want to be involved ( nothing in it for them ). FMC said it was a dealer level issue. I spoke to multiple people at FMC, escalated it to manager level. They said they never saw anything so crazy, would promise call backs, nothing happened. Then FMC said they were charging off the balance - so we paid the entire balance even though they disagreed. However, FMC KEPT IT ON OUR REPORT as a charge off, damaging our credit for years which means we lose additional money AND they never resolved the inspection report discrepancies or took any ownership. In the future I would hire a lawyer immediately, lesson learned. FMC recently removed the months of charge off but it was technically NOT a charge off and we request that they remove it as such. It is a closede account, paid in full. Closed in XX/XX/2017.
Consumer complaint received 2021-05-28
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. (IL)

I have filled a dispute in regards to the incorrect and inaccurate items that was reported on my credit report. I haven't had any response of some sort of result on some of my disputes. My first letter to the three major credit bureaus was on XX/XX/2021 and my second letter to dispute these inaccurate items was on XX/XX/2021. The balance amounts of these accounts are {$520.00}, {$290.00}, and {$390.00}.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MD)

I checked my credit report on XX/XX/XXXX and noticed that Navy Federal Credit Union reported 2 Hard Inquiries on my credit report. The first on XXXX XXXXXXXX XXXX XXXX XXXX and XXXXXXXX XXXX in which I was reporting fraudulent activity on both my debit card and Credit Card. I have spoke with XXXX a Navy Federal representative and in Loan Department XXXX on this day of XX/XX/XXXX with both parties saying that they couldn't find where applications we're pulled. This is hurting my credit report rating and violating my FCRA rights. I also filed a FTC REPORT about these hard inquiries.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-05-28
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: BBVA FINANCIAL CORPORATION (AL)

Fraudulent transactions were processed on my card in XXXX and BBVA still has not reversed them appropriately. I have now spent over 5 hours on attempting to resolve the issue and had 6 points of contact with BBVA personnel to no avail. This rollercoaster has included BBVA crediting and debiting my account numerous times, refunding the wrong amounts due to foreign currency exchange rates, sending me a letter that said they determined that some of the charges were authorized by me, sending me another letter stating that they determined all transactions to be fradulent but that they already refunded it ( false! ), not following up on promises to contact me, their online portal not allowing payment of my credit card balance, etc. Refer to a detailed description of the events transpiring since the transactions occured in the attached PDF. In addition to the PDF, refer to attached XXXX extract of the credit card transactions ( supplemented as necessary by screenprints throughout ).
Consumer complaint received 2020-09-09
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: EQUIFAX, INC. (GA)

Sent in dispute letter on XX/XX/2020 to get name, inquiries and incorrect info verified and disputed but never received correspondence from bureau. Utility bill and identification was sent with paperwork for verification
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

I have been an American Express card Holder for 11 years, recently I had a situation occur where I made a clerical error in linking my Business card to an inactive checking account because I mixed up my account numbers. This caused several returned payments to American express. However, when this happened Amex would contact me and I would make my payment to them over the phone still paying the account on time and as agreed. There was some confusion at my bank and I couldn't figure out why payments were being returned. However despite this issue I always paid the account as agreed on time. Without any warning Amex closed not only my business card account but my personal card account as well even though my personal card was in perfect payment standing. They did this without notifying me properly. When I called customer service I was routed to an office in XXXX, where there were language and cultural barriers that greatly hindered any resolution to the problem and they refused to help me. When I asked what was going on they said my accounts were flagged by an " algorithm '' and automatically closed because of returned payments. After being a loyal customer for 11 years and paying my card on time as agreed despite a small clerical error. I expect superior customer service and humans that can think and reason to address issues created by XXXX " Algorithms ''. Further when I asked why my personal account was closed too they had no viable answer.
Consumer complaint received 2024-02-05
Product: Credit 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 (NY)

Amazon.com still haven't provided refund for a purchase of a XXXXXXXX XXXX XXXX XXXX XXXX  that I made on XX/XX/2023. Amazon Order Number : XXXX in the amount of {$360.00} for product not received which required signature. 

I had previously filed a complaint with the Consumer Financial Protection Bureau regarding this matter ( complaint number : XXXX ), which was resolved in my favor. However, it was reversed by Synchrony Bank two weeks later without reason or merit Please read the cover letter, which will detail the events that led me to open a new complaint against both Amazon.com and Synchrony Bank. 

I filed a police report as per Amazon.com 's request, and I still haven't received my refund, even after submitting the requested police report to Amazon.com with the promise of a refund once the report was received. 

I kindly request the CFPB 's intervention once again to further address the continued challenges I am facing. Your assistance is crucial in ensuring a fair and just resolution to this matter. 

Thanks, XXXX XXXX
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

On XX/XX/XXXX we spoke with Mr. XXXX from Shellpoint Mortgage Servicing with the intention to apply for a repayment plan. Mr. XXXX told me the down payment amount that I need to pay but at the same time, he told me the outstanding balance was {$770000.00}, which for us was incorrect. He recommended that we request the escrow analysis. On XX/XX/XXXX, I received the escrow analysis and I confirmed that I was charged twice for the same reason. Each past due payment included {$1000.00} for escrow monthly payment ( taxes and homeowner insurance ) but at the same time, my negative balance of the escrow account is {$130000.00}. Therefore, there is a disputed charge of {$120000.00} Please be advised that my account is in error. By federal law, the borrower can not pay twice the taxes and insurance. Shellpoint Mortgage Servicing included on each past due mortgage payment the amount of {$1000.00} but at the same time issued the past due amount of {$130000.00} of negative escrow balance for unpaid taxes and insurance ( cut off XX/XX/XXXX ) On XX/XX/XXXX, I sent via email a letter to the escalations department and loan servicing requesting the correction of this error, unfortunately, we didn't receive any answer.My intention is to pay what I owed to Shellpoint Mortgage Servicing through the repayment plan. However, the outstanding balance is incorrect.On XX/XX/XXXX I sent via email and certify mail a letter that I am attaching to this complaint as a supporting documents and until today, Shellpoint Mortgage don't answer anything to me.
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (CA)

just got another letter from FIRST NATIONAL COLLECTION BUREAU , INC . 
I called once before that i have never apply or have gotten a credit card from XXXX XXXX XXXX XXXXnd they told me that I did they argue with me about this account and i have never gotten any credit card from this place i don't know what to do so they can take this out of my record please help
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

At the end of the XXXX Forbearance period we call the lender and asked what is next because we cant pay the lump sum of the forbearance, they said we where eligible for a loan modification and asked if we would like to be submitted for a loan modification which would try to lower the payment 20 %. That was XX/XX/2021. We asked for paperwork bag where told that once we where approved we would receive the information to review. I quested that and asked how will they lower it, add 30 years? We only have 11 more to pay! A month passes we made a full payment, we call back and nothing has been done, we where supposedly re submitted for a loan modification with a double promise to send the paperwork ... we called yesterday and again nothing has been done, we where told we have to submit the forms to request!! I was like WHAT? So the promised to email us the forms and send them snail mail to make sure, they said the email for would be sent within the hour, nothing email was verified!! So now we have to call against and wait 2 hours to explain everything to two different people before we get to the person who wont help!??!
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NY)

This complaint is about the closing process on my Mr. Cooper ( aka Nationstar ) mortgage. The application process was quite easy and went smoothly up until the days before closing. My 'specialist ' went on vacation and her boss took over. I was then asked for proof of payments that were made over 5 months before. I was able to provide the required documents but was curious as to why I wasn't asked for them earlier. I was told that there was a random audit on my account and that certain documents were needed. If documents were needed for an audit, why weren't proper procedures followed from the beginning? They asked for additional documentation up until XXXX the night before closing. My drive to the closing was 2 hours and upon arrival I was told the closing was cancelled due to the fact that Mr. Cooper was not ready. I called the next day, complained, and was given a {$500.00} credit. I was assured that my closing was set for the next day because the lender had all the necessary documents. This was not the case. The closing was held up an hour while Mr. Cooper continued to ask for documentation. Even the supervisor who had given me the credit said that he was sure everything was ready. I don't need to mention how stressful a closing is. Do NOT use Mr. Cooper! They claim to provide excellent customer service when in fact they only add stress to an already difficult process.
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Possible Financial Inc (TX)

I spoke with customer service agent at XXXX  so many times i also sent in my driver license social security card disputed by mail and online they are still reporting my credit information wrong my address is wrong ... they have fraud alerts on my account that should have never been there or removed i disputed an account possible filed a complaint disputed in the mail and the account is still on my report I done everything correctly and I not getting anything accomplished else can i do to have them report my information correctly wrong address and to removed collection off my report