davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (FL)

I have been receiving bills for care credit. I received a letter from a collection agency stating that I have a balance of {$4800.00}. I contacted the company directly when I received the first bill and wanted to know why and what I was being billed. They told me that the dental office I was going to applied for the card. I advised them that I never received a card nor did I apply for a card. I asked them to cancel it as I never applied for it. They stated they would look into it. that was back in XXXX. I am still receiving bills. I contacted them again today and was advised they would have someone else contact me. I have been trying to get this issue resolved from the first bill but still to no avail. Someone else 's name along with mine is also on the letter and the bills that I 've received from care credit and the collection agency.
Consumer complaint received 2016-08-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Vion Holdco I LLC (CA)

I was sued by a creditor other than the original without properly notifying me of the lawsuit. The debt collector, Vion Holdings LLC, knowingly filed the lawsuit in a court that was outside the County where I live. After obtaining a judgment they were able to collect exempt funds ; levied my bank account for an amount that exceeded the original debt that had been timely disputed. They sent correspondence to me at my correct home address which enabled me to dispute the debt.The funds were seized while I was out-of-state to enroll my daughter at the University XXXX XXXX.
Consumer complaint received 2015-12-22
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Prospect Mortgage, LLC (NJ)

As a XXXX XXXX combat veteran ( XXXX ), I am informed by VA that the terms of my VA mortgage entitle me to a refund of the funding fee the mortgage provider received when I took out the loan. Prospect Mortgage was that provider, even though without my knowledge they sold my mortgage to XXXX XXXX six months after I signed it, resulting in other issues with XXXX XXXX Home Mortgage. Now, Prospect Mortgage, despite numerous phone calls and requests for update, as well as an in-person meeting and referrals to VA contacts, has not returned this funding fee to me. This issue is separate from my issue with XXXX XXXX Home Mortgage, about which I have also complained to CFPB as a final resort. I need help with these XXXX companies, which are in my view taking money from veterans in order to further their own gains.
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CA)

Dear XXXX When I was purchasing items at TJ Maxx store back in XXXX XXXX, I opened the account for TJX Rewards Platinum Mastercard, which is a part of Synchrony bank. And few weeks later I returned some items for refund. I had a credit of {$170.00} in my TJX Reward Master card account. In XXXX XXXX I received a check of {$170.00} and I deposited it to my XXXX XXXX XXXX Account but the check was returned. As of XXXX XXXX my TJX Reward Mastercard statement balance is {$0.00} and I still have not received my money back.I have all the documents regarding this matter. I talked to TJX customer service manager many times in last 12 months. I faxed all the documents regarding the returned check. But only answers I received was that they were investigating this matter. They were investigating this for more than 10 months. Finally last XXXX XXXX when I spoke to XXXX of their customer service manager again, she said this matter was resolved and they will mail my check within 15 days.It has been more than 2 month past and I still have not received my check.It feels like they just do n't want to pay me Can you please advise me what process I can take to get my refund. It has been more than 12 month since this happened. 

Sincerely Yours
Consumer complaint received 2016-05-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank / TJmaxx was harassing me by the phone telling me for a debt that was not mine I contacted the bureaus and they told me to contact Synchrony Bank. after alot of back and forth. They threatened me with legal action but. They did NOT provide me with any documentation validating the debt as mine
Consumer complaint received 2017-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Ditech Financial LLC (IL)

Ditech Loan C o.   Account #  XXXX  Account has been set up for autopay of {$140.00} from my checking account for several years.     On  XXXX / XXXX / 17  ditech debited {$670.00}, the final balance with no notice, even though I spoke to a representative from their company the previous month regarding wording on my bill that says that this is " mortage payoff ''. This loan is not connected to any property I ever owned, even though it shows my old address as " property address '' on the bill.     The attached bill from  XXXX / XXXX / 17 , which I received on  XXXX / XXXX / 17 , does not indicate any payoff intention or additional debits to my account.
Consumer complaint received 2016-06-03
Product: Credit card — 
Issue: Cash advance fee — 
Company: U.S. BANCORP (FL)

Twice in XXXX 2016 I was charged a {$20.00} " cash equivalent fee '' and {$2.00} minimum interest charge ( with interest ongoing ). These are associated with XXXX routine transactions which are not in dispute. Elan Financial Services told me : " Your transactions to XXXX XXXX XXXX XXXX XXXX XXXX for {$25.00} and for {$17.00} were processed as cash equivalent advances. Cash equivalent transactions are assessed a fee of {$20.00}, or 4.00 % of the advance amount, with no maximum, whichever is greater. Cash equivalent advances include wire transfers, travelers checks, money orders, foreign cash transactions, casino gaming transactions, betting transactions, and lottery tickets. '' However the transactions were not for any of those cash equivalent advances : they were for routine fee for service shipping services. I have requested those charges be corrected. Elan has refused.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IN)

Chase Auto is reporting a late on my credit account and I was never late! I recently checked my credit and noticed that Chase Auto is reporting a late on my credit file that is not valid. I have never been late and the late reporting is on a month I made the payment over the phone. I spoke to the representative and they took the payment out that day so how could I have been late? This is not my fault, my payment was made on time to you and you need to remove the late off my credit file. I can not have derogatory marks on my credit because someone didn't know how to do their job. Please remove the late off my credit file.
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TN)

Hunter Warfield is showing a past due balance of {$2000.00} on my credit report. This company has not contacted me other than once back in XX/XX/XXXX ( before the debt was even reported ) as this occurred on XX/XX/XXXX. The original balance was {$1600.00} -- Hunter Warfield claims  that I owe this due to a cleaning fee & broken lease agreement. I verbally gave XXXX XXXX a 30 day move out notice on XX/XX/XXXX & was informed that no additional information was needed. I proceeded to move out XX/XX/XXXX and did not know any additional action was needed. XXXX XXXX XXXX ( no longer in business, closed in XX/XX/XXXX ) refused to supply me with a detailed statement and receipts of subcontractor fees. I was informed that the account would be sent to collections. I sent a letter requesting validation of debt as well as phone conversation requesting validation and Hunter Warfield representative stated they were not responsible for such things and I needed to just " pay it off ''. I will not acknowledge or own this debt until such validation is presented. Also it is showing a past due balance of {$2000.00}, the original starting balance was {$1600.00}, i have not been informed or attempted to be contacted regarding ANY interest rates or outstanding balance. I am unable to get in touch with original creditor due to them going out of business several years ago and i refuse to speak to Hunter Warfield due to the HORRIBLE experience i had while trying to discuss the balance back in XX/XX/XXXX. I have disputed through XXXX & XXXX more than once, and they continue to say account is valid. I will not own this debt until a detailed summary is sent to me with an explanation of charges. I do not want a confirmation of my mailing address, i want an itemized statement proving the charges. This company demonstrates HORRIBLE collection practices and is absolutely impossible to work with.
Consumer complaint received 2016-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. ()

EOS XXXX debt collection agency is auto calling the above phone number with automated requests to call. I have never contracted to work with this company, and the only debt I can attribute these calls to is in excess of 10 years old and has been disputed since day one. I do not owe this debt.
Consumer complaint received 2017-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

XXXX is sending me to collection for an account that was closed before I XXXX to XXXX. I did took my orders to the store and they told me that my account was closed ; however, they never did and now they are sending me to collections for an error that they committed.
Consumer complaint received 2016-11-13
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: BANK OF THE WEST (CA)

I had a line of credit and over draft protection with bank of the west. they say I owe them {$35000.00} and because you did n't pay we close it. I request from them and from the lawers for document for this loan and statement they only show that XXXX was transferred to my accunt on XXXX XXXX XXXX but on day before that I deposited {$25000.00} on my account by mistake they deposited to my personal account and 6 days later they withdrew that. I need my loan statement from XXXX XXXX to now.and explanation about {$21000.00} deposit the day befor and {$75000.00} day after .I think they madae amistake and then cover that from my line of credit.
Consumer complaint received 2020-01-20
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)

Ive been a victim of identity theft. Equifax removed all the fraudulent accounts that were reporting, but left the inquiries from the fraudulent account on my credit report.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AZ)

When I applied for loan through my college in XX/XX/2003, I was told by my loan company being XXXX that I would have XXXX loan for the full amount. They blatantly lied to me and actually issued me XXXX loans for the total amount. As I was making payments on XXXX loan the other XXXX were going delinquent and therefore affecting my credit rating very heavily and even caused the other XXXX to go into collections without my knowledge until it was far too late.
Consumer complaint received 2017-02-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

After I got divorced in 2009, I decided to return to school and got my XXXX in XXXX. By the time I finished school, my loans were approximately {$30000.00}. Unfortunately since that time I have been in financial distress and unable to repay these loans. I was advised by both XXXX XXXX and Navient that I should go into " forbearance '' until I was more financially stable. Well, with today 's economy that never happened and my forbearances have been depleted. Navient has informed me that my payments will be well over {$900.00} a month and there is NO WAY I am able to afford that. I started by loans in the amount of {$30000.00} and these loans are now up to $ 80,000+ because of these unjust fees being charged by Navient! I am XXXX years old and there is NO WAY I can afford to repay that amount of money and the customer service at Navient will no cooperate in any way shape or form. I recently heard of the civil suit against these XXXX companies and was wondering if there is anything or anyone that can be of assistance to me. I am in dire need of HELP!
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CT)

I paid for a loan with a college to be forgiven by a loan forgiveness company. In XXXX of XXXX I was informed by someone at Navient that the amount that I owe is for a XXXX college as their system shows. They then corrected it to say that it was for the loan that was supposed to be forgiven and that the forgiveness company was in my file. Also that she would look into the situation. I had also written a few letters to Navient stating that my loan had been forgiven, and got basic responses that did n't pertain to that fact. 

There was silence for a while, then the emails started back up asking for a payment. " Person B '' at Navient informed me that I would qualify for an economic hardship deferment, and promised that I would get it the hardship for quite a few months. She stated that the forgiveness company was a scam and not in my file. 

Meeting with issues on filling out the documentations, I called Navient and spoke to " Person C ''. I asked to record the talk due to the fact that I had been told so many lies by Navient and the fact that I needed to get to work and wanted to remember what was said. She ran me around in a circle for 45 minutes before giving me a number to call, which was wrong anyways. 

I called yet again due to harassing phone calls and emails and spoke to " Person D '' just to inform them that I was sending in the documentation soon that was needed and that I apologize for sending it late. That I had been having issues and that " Person C '' gave me wrong information. He informed me that my account was red flagged and only the higher ups at Navient could contact me. He also informed me that the hardship would be for 36 months. He also informed me that the forgiveness company was in my file and that it was reputable company but might take a while to be forgiven. 

After sending in the documentations, the calls stopped perhaps due to the fact that I sent a letter of cease contact, though I got XXXX back stating they were federal and did not need to follow The Fair Debt Collection Practices Act. 

I then got a phone call from " Person E '' in XXXX who called numerous times in XXXX morning using a Private phone number informing me that the hardship only lasted a month and that I did n't qualify for it. The woman was rude and did not care for what I had to say about all of the deceit that I had already gotten. 

I was also Harassed with phone calls almost every day from XXXX/XXXX/XXXX to XXXX XXXX. That then picked back up in the beginning of XXXX of XXXX. This did not help my XXXX or my XXXX. 

And all of this after I had paid {$400.00} for the loan to be forgiven.
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (ID)

I am currently a student loan holder with Navient. I have for years now been fighting with them to provide paper work for the life of my loan which has not been available to me until just recently. I questioned the balance many times with them and the payments that were applied often did not match with the overall balance, payments were not being applied correctly. When I questioned the company I was given many different excuses that really made no sense. I was also told that my cosigner could be released from the loan and that has still not happened after making 8 years of payments. This loan continues to make no sense and I believe due to payment malfunctions/neglect the overall remaining balance is incorrect and many payments have been applied incorrectly impacting the interest and principal.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (ID)

After graduating college in 2002 I began to repay my student loans. I had approximately {$17000.00} in Federal subsidized loans. After struggling to repay them, XXXX XXXX reached out to me to consolidate my loans into a lower, monthly payment. I agreed to consolidate my Federal subsidized loans with XXXX XXXX. Unfortunately, I ( nor my mother, who was helping me make this decision ) did not fully understand what I was agreeing to, nor was XXXX XXXX forthcoming in disclosing that the lower payment would be interest only. Not until the interest only period was up, and I received a notification that my payment was increasing to include a small portion of my principle, did my spouse and I inquire about the terms of my loan. I contacted XXXX XXXX to ask for a copy of the loan terms and promissory note. After several more requests for this information, XXXX XXXX finally agreed to send me a copy. The promissory note did not have a physical signature on it and the note itself, was very vague pertaining to the loan terms. 
Clearly the terms were not fully disclosed to me because shortly after I consolidated the loan, I went back to school ( which was my plan at the time of the consolidation ) and made interest only payments during that time. However, if I had left them as Federal subsidized loans, I could have deferred them while I went back to school and not paid any interest. 
After reviewing the loan with my spouse, I reached out to XXXX XXXX to attempt a mutually beneficial resolution because I felt mislead and uninformed. XXXX XXXX refused. 
I contacted the Inspector General 's Hotline to report this. They told me that there was nothing that they could do for me. I did n't know that the Bureau of Consumer Financial Protect existed to assist similar people in my situation, until a recent report was published describing a lawsuit involving Navient ( i.e. XXXX XXXX ).
Consumer complaint received 2017-01-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (CA)

I am trying to purchase a home loan and when the lender ran my credit report it showed that I owe {$120.00} to XXXX and it went to collection without my knowledge. I have not received any past notice on this issue. I have called and spoke to numerous customer service reps to get this resolved but I am not getting any where. On XX/XX/2017 at XXXX I spoke to XXXX at XXXX the collection agency and explain to them the problem but they could not give me any details on what the charges were for but only wanted to collect the debt.On XX/XX/2017 at XXXX I spoke to XXXX at XXXX to resolve this and they still could not explain what the charges are for. I also spoke to XXXX from Jefferson Capital LLC another debt collector on XX/XX/2017 at XXXX still no explanation to what the charges are for.I am willing to pay for this amount of {$120.00} if they can provide me more detail onto what this charge is for. I am trying to purchase a home and because of this it 's affecting my credit to qualify for a home. Please help me resolve this problem. Thank you.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$23.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2015-10-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I 've had so many issues with Navient : Taking money from my account ( in amounts of XXXX, leaving me XXXX in the hole!! ), lying, threatening me on the phone, suggesting I become a XXXX or XXXX to assist in paying my student loans. They play games and I have to obsessively monitor my account for errors to the point where I have have XXXX regarding these loans. Just this morning, I check my bank account like I usually do in the XXXX because of Navient 's game, and my XXXX payment was put back into my account with no explaination or response from Navient. There is no documentation I made the payment or was refunded. So now I am at risk of losing my special payment plan because of their errors. 
I also requested they mail me every single statement from the last ten years ( my borrowing time frame ) and after a month and a half later, I received statements dated from XXXX with XXXX missing. The errors I am questioning have occurred from XXXX ( the statements missing ). 

I 've made complaints before and e-mailed politicians and lawyers on this company, and since then I have had these questionable issues happen with my account! 

Attached you will see a screenshot of my bank account from XX/XX/XXXX, with a bunch of unauthorized transactions totaling {$40000.00} that were attributed to a " XXXX dial '' of a payment. Which is false, because you can not process a payment of more thn {$10000.00} online you need to call! 

Please please fine this company. They are ruining my life!