davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (TX)

The following statement cites and corresponds with a previous report filed against Navient Solutions , Inc. as of XXXX XXXX, 2016. The issues that will be addressed are in regards to the inaccuracies of Navient 's online account information, and the conflict of information and instruction to clientele between company representatives and paper documentation. 

Navient Solutions , Inc. is requiring three qualifying payments to be made in order to qualify for the Rate Reduction Program. " The Rate Reduction Program you were approved for requires three qualifying payments to be made before you are officially enrolled into the program. Your third qualifying payment is scheduled to post on XXXX XXXX, 2016. '' Recent phone calls from representative XXXX XXXX of the Collections Department of Navient Solutions , Inc. have instructed that these three qualifying payments are set to the amount of {$350.00}, with the program to be successfully initiated after the third qualifying payment, which was recently posted on XXXX XXXX, 2016. A phone call with XXXX XXXX at XXXX has confirmed that the third qualifying payment, as before, is the amount reflected in the Rate Reduction Program. Documentation also states that three qualifying payments are required before the Rate Reducton Program is scheduled to process, though no further information is stated to constitute or define the exact specifications qualifying payment. 

Conflict of interest is also revealed in the recent response made by Navient Solutions , Inc., in reference to to previous Case Number XXXX : " It is important to note that your enrollment into the Auto Pay Program is not set to begin until XXXX XXXX, 2016 when you have successfully completed enrollment into the Rate Reduction Program. The three qualifying payments you had set up over the phone on XXXX XXXX, 2016 for enrollment into the Rate Reduction Program are recurring payments and not payments initiated under the Auto Pay Program. '' This information does not provide clarification for the current conflict of the correct payment amount, which has been previously agreed by both parties to be set to {$350.00} for three qualifying payments. " You qualified for a reduced interest rate of 7.00 percent under the program, which would reduce your monthly payment from {$430.00} to {$350.00} under the program. The Rate Reduction Program requires three qualifying payments to be made for the modified payment amount before your loan is officially enrolled into the program. Your third qualifying payment is scheduled for XXXX XXXX, 2016. Assuming the payment clears, you will then officially be enrolled into the program retroactively, effective from the date you were initially approved for the program. ''
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (MO)

The Credit reporting agencies are required to remove the disputed fraudulent information being reported on my Credit File under the provisions of the Fair Credit Reporting Act section 605b. However, upon viewing my updated Credit Report, I realized that the Credit Bureaus have not yet complied with my multiple requests. I am now submitting this CFPB Complaint today to force the Credit reporting Agencies to remove the disputed items on my Credit file. It includes the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed {$4300.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. Also, the Credit Bureaus have claimed that the disputed items belong under my name and that the items were verified. If the items are really verified, I wonder why the Credit Bureaus have not sent me copies of proof of verification or documents bearing my signature. Under the provisions of the Fair Credit Reporting Act section 605b, I need the disputed items deleted at all cost.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (IA)

On XX/XX/XXXX my wife and I went to kay jewelers of Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX and purchased two wedding rings. 
The store convinced me to sign up for their store card on that day, explaining they had a 12 month interest free program. 
I qualified immediately for store credit as my credit was very good. 
We were advised that if we made every payment on time there would be no penalties or fees. 
I utilized there online payment system and setup auto payments immediately. 
We did not receive statements as we were advised to stay paperless and no statements were ever emailed to me. 
Every payment was made on time and in full as shown below : XX/XX/XXXX PAYMENT - THANK YOU - {$150.00} XX/XX/XXXX PROMOTIONAL TO REVOLVING {$150.00} XX/XX/XXXX PROMO FINANCE CHARGE ADJ {$320.00} XX/XX/XXXX FINANCE CHARGE {$320.00} XX/XX/XXXX PAYMENT - THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX KAY JEWELERS PROMO PURCHASE {$1900.00} When I had checked that the final payment cleared on XX/XX/XXXX I was shocked to find a new charge for " interest for entire year '' of {$330.00}. 
I emailed and called repeatedly for days with no reply until I finally got through today XX/XX/XXXX I was advised by customer service advisor XXXX that there due day was 1 day after the promotional period ended and therefor the interest charge is required. 
He advised that the promotional period end date showed on the monthly statements none of which were ever sent to me. 
I have checked the original agreement and there is no promotional end date on that at all. 
The company set the due dates and i trusted they set those inline with the promotional period as i was advised when I made the purchase. 
I would most definitely have made the payment earlier had I been advised of this. 
I feel extremely mislead by Kay Jewelers and how they represented this promotion.
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Resources (OK)

Oklahoma has and electric has turned a debt over to AMR a collection agency and XXXX XXXX XXXX nor AMR notified nor sent notice of any debt to me before placing it on my credit during a national pandemic which is having a severe financial burden on myself and my family. AMR is also flagging this debt as collections 2 to 3 times a week to cause a XXXX XXXX  XXXX much of which is XXXX and XXXX veteran undue stress During a pandemic and national disaster, they have promised verification of debt numerous times and not provided it, the only call Ive ever gotten they claimed to be Oklahoma natural gas where I verified I have 0 debt, they argue this and claim to have recordings but had better listen to them as its the truth. This is predatory and antagonistic having a collection agency who redated and reports items out of Oklahoma statue of limitations and flags it collections several times a week along with stating I gave a credit limit and terms to inflict significant damage during a pandemic and national disaster
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-05-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (HI)

XXXX  XXXX loan was opened in XX/XX/2018. Nationstar, XXXX Mr. Cooper was identified as the lender. I attempted to initiate an online XXXX account, however was unsuccessful. The company sent notification by mail to the residence address of monthly payment schedule.The letter indicated XXXX was aware of lendee difficulties in attempting to establish online accounts, and as a result no negative action would be taken against the borrower. 
I was not in the residence until the XXXX week in XX/XX/2018. I began making monthly payments as of XX/XX/2018, and have continued making monthly on-time payments for the successive 20 months since without interruption or delay. 
XXXX began placing negative credit history information within 60 days of late payments beginning XX/XX/2018 indicating the initial payment should have been made in XX/XX/2018, which was clearly negligent as the loan did not close until XXXX XXXX XXXX has denied the XX/XX/2018 reporting, however I have maintained records indicating the error. 
I contacted CFPB then and initiated a complaint against Mr. Cooper regarding faulty record keeping, and CFBP initiated an action based on this complaint and numerous others against XXXX, which resulted in a significant fine purportedly paid by XXXX. 
However, XXXX did not correct the record keeping and has continued to place late payment notifications on my credit file for the past 20 months as a result of an alleged late initial payment in XX/XX/2018. Over the past 6 months, XXXX has also begun levying late fees against my account, which now amount to over {$800.00}. 
I am requesting CFPB 's assistance in pursuing the complaint against Nationstar/Mr. Cooper for failure to correct the ongoing record keeping error based on CFPB 's initial action against the company, and XXXX 's continued failure to correct its records, which has resulted in fraudulent credit reporting and attempts to collect late fees from me.
Consumer complaint received 2018-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Got calls to my cell phone from portfolio recovery XXXX. They didn't leave a message, refused to tell me who they were trying to reach, when I asked for no more calls I was told they can only remove a wrong number but again refused to tell me who they were looking for. I provided my first name only in case it's a scam.
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (WA)

This place you should stay away from it has some serious safety and building code violations that the city of XXXX should have enforced but did not. 

1 ). Roof leaking in the bathroom with water falling on our faces 2 ). Fuse box trips on the 3 prong outlets and sometimes makes noise. 
3 ). We endured 6 years of Luke warm or cold water. They replaced the water heater but we still had luke warm water. 
4 ). They only have 1 maintenance man to fix things over 250 units. 
3 ). Security is non existent We had damage to our vehicle that costed us thousands to repair. I believe the Federal and State Governments should investigate XXXX XXXX XXXXXXXX for Domestic Sponsored Terrorism we found Flour acid and other chemicals in our gas tank found by XXXX filed a complaint with the Attorney General nothing was done. 
4 ). We paid XXXX Security and Pet Deposit XXXX and still charged XXXX for cleaning their mold mildew. I think they should pay us for XXXX for the building and safety violations and furniture damage 5 ). The trash has vermin running all over the place mice racoons and other creatures paid double in Trash bill. 
6 ). Excessive processing fees to pay rent XXXX XXXX for rent XXXX XXXX for utilities I would urge XXXX XXXX XXXX to get a Criminal Defense attorney for all the evil actions committed. 
7 ). We stayed over 6 years in this XXXX hole. Please have XXXX  not access my credit reports or personal information do to RICO related crimes. 
8 ). Water was brown and have rocks 9 ). Appliances old and outdated and makes noise during the summer asked last year for a new refrigrator and they refused. 
10. ) we replaced blinds 5 times at our expense we were still charged. 
11 ). Nails placed in our rear tires at XXXX XXXX XXXX XX/XX/2020 and XX/XX/2020. 
12 ). The utility Bill had us listed at a wrong address and my wife 's name is not correct 13 ). Fraudlent Utility Bills paid two months eletric bill and we did not live at this place 14 ). ADA act violation Our child has a Recognized XXXX being charged Pet rent and Fees See Federal law 15 ). XXXX XXXX did not accept Certified Return mail during Pandemic virus Health and safety violations forced us to come to them in person??
Consumer complaint received 2018-03-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc. (IA)

I have been getting several local and 800 number phone calls that left no messages. XXXX XXXX called from local number XXXX XXXX XXXX and said there is a criminal case against me and i need to call for info. They gave me the # XXXX XXXX XXXX and a file #. I called and they identified as XXXX and XXXX. Stated they were going to mediate a criminal case against me with 2 federal charges re : knowingly defrauding a bank. I asked which company reported this and they said Advance America which is a payday loan co i have used. Said i must pay XXXX $ or the sheriff will arrest me tomorrow. Asked for more details and caller got rude and threatening. Asked to speak to someone else and he said " it doesnt matter who you talk to, you will still get arrested. '' And then he hung up.
Consumer complaint received 2016-03-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I deposited my XXXX distribution check as I have retired. The amount was XXXX. I deposited the check on XXXX XXXX. Bank of America released XXXX on XXXX XXXX. They are holding the remaining XXXX in till XXXX XXXX. I have called and asked them to please release some of the money and they refused. They asked me why I needed the money and what did I do with the XXXX. This money is mine and they were very rude asking personal questions. I do n't understand why it takes XXXX business days to release MY money. I need the money and they treated me like I was a welfare recipient and I wanted something for free.
Consumer complaint received 2015-06-16
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (OH)

I checked my credit report today XX/XX/XXXX. I do not recall applying for this loan also as I 'm looking at this report is shows as of XX/XX/XXXX it is current, then is goes 60days past due as of XX/XX/XXXX. How is that? I do n't understand how an account can go from current to 60days when there are only 30 days between billing cycles. So not only do I recall applying for this loan it is obviously reporting incorrect as well. I would like a copy of the signed application showing that I applied for this loan. Given that on multiple aspects information is not being reported correctly I would like this removed from my report.
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP (NY)

Fidelity gave a duplicate credit card to an unauthorized individual in another state without verifying proper identity and refused to tell me about that individual ( his/her address, e.g. ). When I found out, I was forced to change my credit card number. Now I can not log into my online account ( I do not know why ). I called Cardmember services and offered seven pieces of identification. When asked for an eight, I refused and requested a manager. After transfer, the person on the other line requested those same seven pieces of identification again, and I had to add at least an eight. I can not email without logging in and that is the isse. I can't pay without logging in and that is the issue. The pin number I established after their security breach isn't being accepted. My hands are tied. The card is no longer usable.
Consumer complaint received 2018-03-29
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. (CA)

I AM A VICTIM OF IDENTITY THEFT AND I SENT THE FIRST LATER ON XX/XX/2018 TO. ATTACHED WITH MY IDENTITY OF THEFT REPORT REFERENCE ID # XXXX  WHICH STATES CLEARLY THE ACCOUNT THAT WERE COMPROMISED AND HAD FRAUDULENT ACTIVITIES ON THEM.

THIS IS THE ACCOUNT THAT I NEED REMOVED ASAP : XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-07-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC (NY)

I ordered a car on Carvana 's website on XX/XX/2020 to be purchased in full and delivered to my address in XXXX XXXX  on XX/XX/XXXX. 

On XX/XX/XXXX I received an email from Carvana stating that my registration was being processed. 

A few days later, I received a car title dated XX/XX/XXXX but Carvana later informed me over a phone call that I should disregard this title since the date was incorrect and that they were still in the process of getting me an updated registration. 

There were numerous delays and the car was not delivered until XX/XX/XXXX. When it was delivered, it had temporary XXXX XXXX  license plates. 

At the beginning of XXXX, I called Carvana to check on the registration process since it had been about a month since I received the car. The customer support representative told me that Carvana was still working on the registration process and that told me that it was legal for me to drive to XXXX  with the expired temporary license plates since XXXX had issued an executive order extending license plate expirations. 

Today, XX/XX/XXXX, I called Carvana again to check on the registration status and this time was given conflicting information. Today I was told that it is in fact not legal to drive outside of XXXX  State since the executive order would only allow the expired license plates to be driven legally in XXXX. ( I'm not sure if the customer support representative understood that the license plates were from XXXX, but I'm not sure if that matters because XXXX  also extended their expiration. ) Also today I was informed that XXXX was not sure what was delaying the registration process but that it was unlikely that I would received my updated registration and license plates by the end of the month. 

I am moving from XXXX XXXX to XXXX  at the end of XXXX ( about 10 days from today ) and now can not legally drive to my new home in XXXX  due to the expired license plates. This car is my only method of transportation and I am now in an extremely difficult position as I now have no way to get to my new home, despite the fact that my current apartment lease in XXXX XXXX ends at the end of this month. Additionally, I have lost about 30 hours in dealing with this situation and the resulting stress which has cost me a lot of money because I had to take those hours off of work and thus did not get paid.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I had a fraudulent activity on my account dated back since XX/XX/2023. This involves my XXXX XXXX XXXX credit card in which my account was charged {$17000.00}. Immediately I got the charges I alerted XXXX XXXX  and XXXX 's. I went to the police made a report XXXX XXXX XXXX XXXX. I went over to XXXX  on three occasions called a police trying to get a footage of the transactions. They refused to give it to us. I was on the line with XXXX  XXXX and XXXX XXXX  asking why dont they coordinate to resolve this matter. Meanwhile it is still showing on my credit report affecting negative as it is showing I have used 75 % of the total on the card. XXXX XXXX  refused to give a letter to remove it off my credit.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My TransUnion credit score went from XXXX to XXXX in a matter of weeks with nothing on my credit report nothing in my collections and nothing explaining why my TransUnion dropped from XXXX to XXXX
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.