davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-23
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: SYNCHRONY FINANCIAL (TN)

On XX/XX/2020 a charge for XXXX showed up on my Gap Visa Card. I called Gap on XX/XX/2020 and told them the charge was fraudulent. They opened a fraud claim, closed the card ending in XXXX and sent me a new card ending in XXXX. 

On XX/XX/XXXX, I called Gap Visa Card to check on the progress of my claim, I was told the claim was approved and I was credited XXXX. I communicated to the rep that it was not showing up on my activity page, but he assured me the money had been added back to my account. 

On XX/XX/XXXX, I received a call from Gap stating that they had finished processing my claim and it had been denied. I was very frustrated and told the rep that in XXXX I was told the claim was approved. She assured me that it had not been approved. After speaking to approximately 6 reps and managers on XX/XX/XXXX, I was told to fax over proof that I never made the purchase ; I did so. I have the fax receipt stating that the fax went through. 

After noticing that my balance was high, I checked my account and the charge for XXXX had been added back into my balance. Gap Card has the proof that this charge is not mine.
Consumer complaint received 2017-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Over the course of repaying student debt many errors and misinformation has been provided to me causing financial loss and waste of time.     The student loan repayment system is broken and harming students and their families.      Service Lenders  routinely make errors, have call centers with POORLY trained staff, provide HORRIBLE customer service, and do not provide all the necessary information to make informed decisions.     Wait time s are over 40 mi nutes.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2020-07-21
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: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/XXXX I submitted a letter to American express asking that all derogatory / late payments and all negative trademarks be removed on my credit report, it was a good will gesture I have not heard back and it makes over 30 days.
Consumer complaint received 2020-07-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Cash Time Title Loans, Inc. (AZ)

A judgement has been filed against me regarding a title loan I had in 2016. I have consistently made the {$100.00} a month agreed upon payments since the judgement. I was told at the beginning of this that if I was to have a lump sum they would settle for me. 

Since COVID I have attempted to contact Cash Time Title Loans and request a settlement offer to get this debt closed out. They responded to me stating that they are unable to offer any settlement at this time. I also have had a volunteer Lawyer attempt to contact the company asking for smaller payments or a settlement offer but they have neglected to respond to him as well.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (WV)

XXXX XXXX XXXX has informed me that they are excited to let me know that they have received the Initial Approval on my loan to refinance. They included in mortgage documents an XXXX XXXX XXXX credit score and the price I pay for credit sheet dated XXXX/XXXX/XXXX. 
1. Page XXXX shows EQUIFAX reports a score of XXXX as of XXXX/XXXX/XXXX. Page XXXX of this credit score sheet shows Key factors that affected my credit scores. These key factors appear to be verbatim to information reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now in XX/XX/XXXX. 

EQUIFAX 'S KEY FACTORS Serious delinquency and derogatory public record or collection filed Length of time since derogatory public record or collection is too short Proportion of balances to credit limits too high on revolving credit accounts Too many inquiries in the last 12 months The number of inquiries has adversely affected the credit score. 
Letters submitted on or about XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, am d XXXX/XXXX/XXXX disputing these horrific key factors. Consumer Finance Protection Bureau ( CFPB ) file numbersXXXX, XXXX AND XXXX have been filed disputing these very same key factors. EQUIFAX did not respond to Case number XXXX as they suspect that it may have been submitted using a credit repair company. Their suspensions are in error. This case was submitted by customer. After reviewing Equifax credit file # XXXX dated XX/XX/XXXX, ( XXXX pages ), it reveals the information provided by EQUIFAX does not support any of these absurd key factors.
Consumer complaint received 2020-08-23
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. (GA)

TransUnion did not investigate an account on my credit profile for Dept Of EdXXXX, Contract Callers, XXXX XXXX, US Dept. OF EDUCATION/XXXX
Consumer complaint received 2020-08-23
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: Experian Information Solutions Inc. (PA)

the following inquiries are a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX CREDITOR TYPE Bank XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX Please remove inquiries from my credit report because these are not mine.
Consumer complaint received 2020-07-21
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: Experian Information Solutions Inc. (NY)

I first noticed issues on my credit report which were inconsistent I notified the bureaus on XX/XX/XXXX then again on XX/XX/XXXX. I will be attaching the letter I sent on XX/XX/XXXX along with a copy of my credit report from XX/XX/XXXX which show the same inaccuracies and inconsistencies. I will list them again for you. 
Date of last activity not consistent : XXXX  XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX Date of last payment not consistent : XXXX  : XX/XX/XXXX Experian not listed XXXX  XX/XX/XXXX Payment status not consistent : XXXX  : Current Experian ate 120 days XXXX  Current. 
XXXX XXXX which is your industry handbook all data needs to be accurate which clearly this isn't since each bureau has different data reporting.
Consumer complaint received 2021-09-14
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. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2019-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: McCarthy, Burgess & Wolff, Inc. (FL)

Received repetiious phone calls that were intended to annoy, abuse and harass.Threats Threat to do things that can not be legally done ( serious ).
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I opened a Wells Fargo business XXXX XXXX with an attached offer of spend XXXX get XXXX back. 
On XX/XX/XXXX I made a purchase of XXXX on said credit card. 
On XX/XX/XXXX I did not receive the bonus offer of XXXX cash back. 
On XXXX I called and after being transferred around for over an hour and being told that I did not receive the bonus because it was not attached to my account, I did not make eligible purchases, and I was not enrolled in the correct reward program which they set up for me. They told me there was nothing they could do even though it was their fault for having two reward programs neither of which the user has the ability to pick from.
Consumer complaint received 2019-06-04
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. (GA)

I recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I typically get approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I need these items deleted from my credit report. 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. lnquiries : 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
Consumer complaint received 2019-06-04
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: AMERICAN HONDA FINANCE CORP (NY)

I had a lease taken out from American Honda Finance Account # XXXX to which all payments were made in a timely manner. At the end of the lease they sent a separate bill for the over mileage etc. Since this is a different agreement it should be reported separately not as part of the lease.
Consumer complaint received 2019-06-04
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. (GA)

I recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I typically get approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I need these items deleted from my credit report. 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. lnquiries : 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
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

CitiBank has refused to refund my overpaid balance on my credit card. The reason provided is my account is under 'security investigation '. When asked to speak with someone about the matter, Citi customer service said to write a letter.. It 's 2017! why am I being forced to correspond with letters? I have since written the letter, but received no response. <P/>Truth in lending act regulation Z, 1026.11. a2, Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer
Consumer complaint received 2021-03-03
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. (FL)

I was enrolled in school and did not have to pay back my loan st the time. However, I got charged a late fee. Ive tried getting this resolved but the late fee shows up. Being that there are various XXXX loans it shows as if I have various late payments its not accurate or fair that this is on my credit report
Consumer complaint received 2020-08-23
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. (PA)

the following inquiries are a result of identity theft : XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX CREDITOR TYPE Bank XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX Please remove inquiries from my credit report because these are not mine.
Consumer complaint received 2019-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/XXXX i had been search multiple sites to rent a house. One of the websites was XXXX XXXX XXXX which they gave me the code to enter the house located at XXXX XXXX XXXX XXXX, FL XXXX . I was able to go to the house, enter the code on the padlock so was able to view it without supervision. Shortly after I receive a call on my cell from XXXX XXXX who introduced himself as the owner of the property and had contracted this company to list his home for him. He stressed the fact he was out of town on business and since he was to able to be here, he contracted the company to help him rent the house. We then basically did an interview over the phone he was asking me about myself, my family, what i do for work, etc. I started to feel comfortable with him as he even prayed and got religious with me. He said he would help a single mother out by waiving the application fee, since my need to find a roof for my family was urgent, he would just have his attorney send me the lease, i would review it and sign it and send it back. Everything looked to be legit. He told me so he can get the water and electricity on for me right away, since there was alot of applicant 's looking at the house to send him the {$900.00} deposit. We used Zelle which I was not doutful becuase it was being done through my bank so silly me i get his Zelle info, and send the deposit. Then he asked me to send the first month 's rent as well later that day. So i sent only {$500.00} and the other {$400.00} i told him would do the next day which was XX/XX/XXXX after i went by the house and say the electricity was on. So i go by and i see there was, so i sent him the other amount for a total of {$1800.00}. Sow move in day comes and he doesn't answer his phone so I start to panic starting to believe i was scammed. He finally that evening told me since i disrespected him by leaving those messages he was not going to rent the home to me and would refund all my money. I dont get the refund, so i decided to file a claim through my bank. Which XXXX   denyed becuase i authorized the transaction 's. KNOW, here I'am out of {$1800.00} and nobody can do nothing. I have tried to file police report, but they wouldn't help me, my bank wont help me, i dont know what else i can do. I'am happy to provide any addtl neccessary.
Consumer complaint received 2022-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (AZ)

On XX/XX/XXXX I agreed to a {$1000.00} loan that would charge me {$44.00} biweekly beginning on XX/XX/XXXX, with my final payment on XX/XX/XXXX. They took my final payment out, but have since then put my account in collections stating that my last payment XX/XX/XXXX ( which is an incorrect date according to my loan documents ) was missed. They have since then been charging my bank account every 2 weeks {$9.00} for a membership that I no longer want. Every time I try to cancel the membership I cant since my account is still in collections. Their website states that they deposited money into my bank account that they never have. Every time I try to remove my banking info their site says that theyre unable to at this time. At this point Im going to have to cancel my account or put a stop pay on the charges so they can no longer charge me.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I provided Tranunion a affidavit of fraud and a XXXX XXXX Police report. I received a letter stating they would not do an identity block because I did not provide a valid law enforcement report. So, it could not be accepted. This is a valid report issued by XXXX XXXX police department and all the information can be verified.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: DRAPER AND KRAMER MORTGAGE CORP AND ECLIPSE MORTGAGE LLC (IL)

Regarding complaint XXXX : Following my earlier response, the company forwarded the attached information to evidence the matter had been resolved and title to my home was now correct. However, upon reviewing the attached, it indicated that the home was now owned 75 % by my wife 's trust and 25 % by my trust. The home was transferred to both of our trusts 50/50 in 2000. Please see attached evidence. This issue has NOT been resolved.
Consumer complaint received 2020-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NJ)

I, XXXX XXXX XXXX decided to contact the CFPB regarding an issue with a collection name FINANCIAL ASSET MANAGEMENT SYSTEMS, on XX/XX/2020, I sent them a letter, attached is the previous letter I mail to them for your reference. On my letter, I stated that I disagree with the offset of my refund of taxes, wrote them that I have called the number provided on the letter they sent me, to the Requesting Agency and also called the IRS office in regards to this debt/bill. And neither the Requesting Agency nor IRS has an actual bill or something showing this supposedly outstanding debt that they are claiming I owe. I have asked for a copy of the bill that they claim I owe that would actually show this debt and they both have told me they have nothing to send to me showing an actual bill proving that I owe this debt. The reason is because I do not owe anything to any company nor health insurance. I really appreciate all your help and assistance with this matter.
Consumer complaint received 2017-08-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (FL)

I never received information regarding the debt that was owed by the apartment complex they reported I owed money to. There was never a letter sent to notify me of the debt that was owed from the company I received the debt from nor did they provide proof of the balance that I owed. I received calls that were very unprofessional. I paid off the debt because of the harassment I received but I do n't think the amount I was charged was valid being they did n't provide any proof of the debt I owed. I was pressured into paying the debt. Now the debt is showing up negatively on my credit reports. They should n't be on my credit report.