davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

I made a purchase from a company called XXXX XXXX over 2 years ago. I paid for overnight shipping because I was traveling a few days afterwards. The shipment took 3 business days to be delivered and delivery was not attempted until after I left. Since I was not there the owner of the home refused shipment. I notified test clear that I would not longer need the product on the 2nd business day and they were very unhelpful. After the shipment was refused they would not refund me any part of my order. I contacted my credit card company who then told me I had the right to dispute the charge which I did and was given my refund from the credit card company. Over 2 years later XXXX gives a collection company my information stating I have a debt to them. I was never provided a product and test clear has no evidence of me accepting the product yet the collection company took false information and damaged my credit. XXXX XXXX has removed this collection from my report but the two other reporting agencies have been making it very difficult although I have explained this. It's unbelievable that a company can do this to a person without evidence of someone receiving the product. I really need help with this as I do not think it is fair to have to pay test clear just for the sake of my credit. They should not have the right to do this. It's not about the money it is the principal. I really need help removing this collection debt off my credit report.
Consumer complaint received 2019-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

While temporarily living in XXXX, NV for a work assignment, I searched for a one month apartment rental on XXXX. Upon finding what I thought to be a suitable place, I contacted the owner of the listing. We then exchanged a number of emails and texts before I submitted an application to rent the place. As the final step in the process, the listing owner asked me to wire {$1400.00} ( cost of the apartment for one month + a deposit ) via CashApp, a peer-to-peer payment platform owned by Square. I sent the money on the evening of XX/XX/2019. 

Upon waking up the next morning, the XXXX listing owner let me know that his account was closed and that the payment did not go through. He asked me to send the payment to another account. After a long series of interactions, I agreed to send another {$1000.00}. In the meantime, I reached out to Cash App to see what I could do to recoup the {$1400.00} that I had sent the night before. Minutes after I sent the second payment of {$1000.00}, CashApp informed me that my first payment of {$1400.00} had been cashed out and used to buy Bitcoin. Immediately, I contacted CashApp to stop the second payment of {$1000.00} as it was clear that I was being scammed by the XXXX listing owner. 

The CashApp team was not able to stop the payment. The owner of the XXXX listing stopped responding to messages. I contacted my bank ( a major bank ) to dispute the charges. They initially refunded the amounts, but after a month, the bank has denied the claim as of early XX/XX/2019. They state that they have talked to CashApp and that the company " adequately provided the services of transferring money to a merchant. '' They say that they can do nothing more and that I need to contact CashApp. 

In the meantime, CashApp has closed my account because with the stated reason that my account is closed because I filed a claim to dispute charges made on the app. So I have absolutely no way of contacting them or any hope of recouping the {$2400.00} that the fraudster stole. 

I feel completely powerless and hopeless in this situation, and I'm confused as to how reputable banks and companies like Square/CashApp can continue operating without addressing serious issues of fraud like this. In fact, CashApp has made it impossible for me to contact them because they closed my account. This seems unreasonable and unjust.
Consumer complaint received 2019-08-19
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: SYNCHRONY FINANCIAL (NY)

Banana Republic Credit Card managed by Synchrony Bank advertised the following regarding disputing a claim:"We'll investigate and respond within two billing cycles.Within 2 Billing CyclesOnce we receive the completed form we will conduct the investigation and will provide you with a response as soon as possible, but no later than two full billing cycles from the date of your inquiry."Mid-XX/XX/2019 I submitted a claim to Synchrony Bank to dispute a recurring charge which was not authorized by me.  I requested these charges to be credited and disputed being as the merchant could not be reached directly to dispute the charge.  Synchrony Bank opened a claim and advised that it would take "60-90 days" to resolve and see a credit on my account, already false and misleading as their website states cases are resolved in no more than 60 days.While the matter was being reviewed by the bank, I was able to reach the merchant and arrange to return any items that were shipped, unused, and clear any liability with the company.  When speaking to the merchant on the phone they stated they would issue a credit to the account, but because I had disputed it directly with the credit card company they advised that the charges would be reversed by the company within the stated time.XX/XX/2019, after nearly 90 days from the time of filing I reached out to Synchrony Bank to request a status update and they advised they are unaware why the claim has not yet been resolved and would issue a request to follow-up and have someone call me.XX/XX/2019 I called Synchrony Bank again to check on the status of the claim and advised they have no apparent reason why the claim remains unresolved.  Reps advised they will issue another claim request and it should take another 60 days to resolve.  In the meantime, they did not credit my account, as their website states they would, continue to charge me interest on the purchase, and falsely advertise that disputes are resolved in "no later than two billing cycles."Synchrony Bank FALSELY ADVERTISES HOW THEY HANDLE DISPUTED CHARGES, FALSELY ADVERTISES THE MAXIMUM TIME WITHIN WHICH THEY RESOLVE DISPUTES, AND FRAUDULENTLY CONTINUES TO CHARGE INTEREST ON DISPUTED CHARGES.
Consumer complaint received 2019-08-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ROCKY MOUNTAIN MORTGAGE COMPANY (TX)

Rocky mortgage has made my home buying experience the most miserable thing on the planet. Getting updates from them is like pulling teeth, XXXX seems annoyed when he has to answer the phone to do his job and update you since he never once reached out voluntarily. Both him and XXXX  avoid phone calls, texts, voice mails and emails. Since day 1 we let them know that we needed guidance every step of the process since we are first time buyers, however, something so simple as returning a phone call seems like an impossible task for them. Our original closing date was scheduled for XXXX, it is now XXXX and I do not have keys to my home. XXXX and his team have failed as professionals in the mortgage industry. Maybe they need to get re-certified as he claims that the reason he missed the fact that he needed our XXXX tax returns is because he doesn’t really deal with DP assistance programs too much… is that my fault? No, this caused an extra day of delay on closing, now bringing the day to XXXX.He also claimed that on XXXX the day I was supposed to get closing disclosures an XXXX collection account made it’s way on to my report , delaying closing 2 weeks. Mind you, I spoke to him XXXX   and he didn’t mention this until XXXX. 2 days away from my original closing date. After doing everything he had asked for , we finally got final approval. But just like I imagined, this seemed to good to be true, after being asked  to sign and send our closing disclosures to someone by the name of XXXX, on XXXX- once again, we complied; come Friday XXXX at XXXX XXXX. we get a phone call ,only to be told, that yet another incompetent rocky employee, didn’t get the CD’s to whoever they needed to go. Today XXXX I am being told that rocky again, failed to request termite inspection from the seller since day one, something they were fully aware of when they received our executed contract…. strongly urge you to do some research before deciding to work with this joke of a company, as they seem so adamant on making home buying a dreadful experience.Home buying shouldn’t feel like a torturous nightmare, but rocky has made it just that and more..
Consumer complaint received 2019-09-11
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. (SC)

I received notification from XXXX XXXX that TransUnion had received credit inquires from XXXX on XXXX, XXXX on XXXX and XXXX on XXXX. All inquires state " XXXX XXXX XXXX ''. In understand that all three ( 3 ) of these are for a " XXXX XXXX '' Credit Card which I do not recall ever applying for.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint regarding your failure to correct inaccurate information on my credit report for my account with XXXX, Account Number XXXX. Despite multiple written requests for correction, dated ( XX/XX/year> ), my requests have been consistently disregarded. This failure constitutes violations of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account indicates a failure to meet this legal requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies verify the accuracy of information in consumer files, which has not been adhered to in this case. The discrepancies in my credit report remain unresolved, showing negligence on the part of TransUnion to ensure accuracy as mandated. 
TILA Violations : The Truth in Lending Act emphasizes the requirement for accurate and timely disclosures to consumers. Due to the inaccurate reporting of a late payment, my creditworthiness has been adversely impacted, affecting my financial stability. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : The PAANL underscores the duty of creditors to provide timely statements, which would prevent unfair penalties, such as this late payment reporting, that harm consumers without due cause. 
The following discrepancies were noted on my credit report across all three major credit bureaus : TransUnion : XXXX marked as 30 days late, although previous payments were timely. 
XXXX : Similarly, XXXX indicates a 30-day late status despite consistent timely payments. 
XXXX : Records a 30-day late entry in XXXX as well, contradicting previous payments made on time. 
Nothing has changed despite two previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability.

Desired Resolution : I request the immediate removal of the inaccurate late payment notation from my credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your attention to this matter. I trust that you will give this issue the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-11
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: EQUIFAX, INC. (TX)

We have put a freeze on the Credit Bureau accounts several years ago and lifted the freeze in the instances employers, bank, etc needs to check on our credit worthiness. Until now. We needed a credit line for business and recently need to change to a different credit card with XXXX XXXX. We tried another credit card with our coop XXXX Again ALL three bureaus required. 

We could not log in to our account with our login details because EQUIFAX apparently revoked the logins. After several hours on the phone having to respond to quizzes on minutiae of transactions done years ago they have in a database ( a luxury we do not have ), we objected. We we then told that we will have to provide them, EQUIFAX, the bureau that had our private details hacked, insisted we provide them with copies of our Social Security Card and Drivers License. And we need to write them for permission to our own data. We refuse to offer ANY private data to this company. 

We have our state representative, XXXX XXXX, taking this case up. We need this interaction to get Senator XXXX   engaged as well. 

So, here is the complaint : EQUIFAX practices have now become untenable and unlawful we can not log on to do a self-managed freeze lift unless and before we turn over COPIES of our Social Security Card, Drivers License and WRITE them to attain permission. Right now we can not do business because we refuse to work with Equifax. This choice means a diminished freedom to do business.
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (PA)

two years ago, I went to XXXX XXXX XXXX for a XXXX XXXX. Someone at the hospital put in incorrect billing information at the time. I had insurance that was taken and covered the hospital visit, but the insurance information was never applied to the physician's visit (insurance covered the hospital bill but not the specific physician bill). I had been on contact with hospital billing for a few months after the visit to attempt to get them to apply my insurance information correctly when it resulted in a $XXXX bill I should not have had to pay, but every few months the bill would come back as the hospital never fixed the error. They sol the debt to a collections agency, and every few months since the incident I get a bill from them and have had to try to get insurance or the hospital to step in. My appeal to my insurance was denied due to the time passed, and collections are still continuing to try to collect on a debt that should have been covered by the insurance I pay for. I am now at a loss for what to do- it is negatively impacting my credit score, insurance will no longer pay it, it is out of the hospitals hands and collection agencies don't care that this was due to a billing error I had no control over. I would like to find out what my options are to resolve this. Thank you.
Consumer complaint received 2019-08-19
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. (TX)

Hello,I have reached out to Equifax several times regarding these inquiries by mail and phone. I have also contacted the creditors like I was advised to, and there telling me to contact Equifax, so I don’t know what else to do, here Is a list of the inquiries:Equifax or WHICHEVER CREDIT BUREAUS holding the inquiries XXXX XXXX XXXX XXXX, GA XXXXI am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed MULTIPLE credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or gave permission to the following companies to access my credit by way of a signed authorization bearing my signature. If unable to do so, please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit.The FCRA states that the only permissible purpose for pulling someone’s credit is for:A. Firm Offer of CreditB. InsuranceC. EmploymentD. Court OrderThe following credit inquiries are not related to none of the aforementioned permissible• XXXX XXXX XXXX- (XX/XX/XXXX,XX/XX/XXXX)• XXXX XXXX-XX/XX/XXXX•  XXXX- XX/XX/XXXX, XX/XX/XXXX• XXXX XXXX XXXX (XX/XX/XXXX)•  XXXX/XXXX (XX/XX/XXXX)• XXXX XXXX-(XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX)• XXXX XXXX-(XX/XX/XXXX)Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.Sincerely, XXXX XXXX
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX I received an offer from XXXX XXXX about a debt that I owed to XXXX XXXX XXXX. I was told if I paid the required amount that the debt would be removed from my credit file including the balance that was being reported by XXXX XXXX XXXX. I paid the balance and XXXX XXXX did in fact deleted the negative entry off my credit. However, XXXX XXXX XXXX still refused to delete this account off my credit. I called XXXX XXXX XXXX on many occasions and I was told that they are no longer reporting this account. I was told to put file a dispute and send a copy of my credit report showing that they are in fact still reporting negatively on my credit and the account would be removed but they failed to do so. XXXX XXXX XXXX continues to report that I failed to pay even after the debt was settled with XXXX XXXX. The last report date was XXXX, XXXX.
Consumer complaint received 2019-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp (MT)

Since XX/XX/2018, Equitable Acceptance has been taking {$49.00} out of my account every month. I recently talked with Navient ( thought I was paying them every month instead of EA ) and was getting by credit dinged for non-payment. They told me to report Equitable Acceptance to CFPB. I was under the impression that my student loans were being cared for by XXXX and I was paying them. Equitable Acceptance is taking my money and has not done any services for me. I feel they have taken advantage of my student debt and used it to scam money from me every month. I don't remember talking to them but it is possible. I receive several calls a day from companies about my student loans. It's hard to keep everything straight, I tried to be careful but unfortunately not careful enough. Thank you for your time. I do not want others to be taken advantage of.
Consumer complaint received 2019-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

Did not get correct exit information with loans. Had no idea that my loans had to be under a certain repayment plan for them to qualify for PLSF. This is a way for a large company to make money off of young students. So I have been paying on my loans since XX/XX/2004 and there is no relief for a middle class hard-worker. When talking to other people the same has happened to them. When talking to my lawyer she said this a a type of criminal act. We are looking into other options, but I think being fair to everyone is the way to go. I just think they are taking advantage of people and hold nothing back.,
Consumer complaint received 2019-09-11
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. (CA)

I am writing to dispute a fraudulent charge on my account of {$16000.00}, {$350.00}, {$16000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$350.00} -This is not my account. 




XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

XXXX. XXXX XXXX LEASING with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account
Consumer complaint received 2019-08-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

Many times I have tried lowering my payments and the only way to do so is getting on a forbearance payment plan. The last one I was on ended abruptly with no calls or emails informing me of the changes to my account in XX/XX/XXXX. I started a new ‘payment plan’ (forbearance) that would lower my payments to $XXXX a month, but the very first auto debit they took $XXXX! I called and the woman on the phone said “I have no idea why they took so much” and never found out why. The best she could do for me was putting in a “refund request” for the difference with no promise of refund, and no proposed timeline. Now I’m out all of that money and unable to pay other bills NOT because of my inability to budget but because of a computer error in Sallie Mae’s system that allowed them to just TAKE my money. I have since cancelled auto debit and will now only pay them the agreed upon amount on the agreed upon date.