davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I had a XXXX credit card that was paid in full on XX/XX/XXXX and closed on XX/XX/XXXX, over 10 years ago, and I want this account removed from my credit report since it 's been closed for over 10 years as this is my consumer right under the Fair Credit Reporting Act ( FCRA ). The account has always been in good standing and never had any negative or derogatory information. 

I initiated an Equifax online dispute in XX/XX/XXXX ( dispute confirmation # XXXX ) to have this account removed and the investigation process did not remove the account. Instead, Equifax 's investigation team only changed the " date reported '' from XX/XX/XXXX to XX/XX/XXXX. I understand that as of XX/XX/XXXX, this amount of time places the account at an age of 9 years, 5 months, but there 's nothing wrong with asking Equifax. 

I initiated another dispute on XX/XX/XXXX on the phone with a supervisor, dispute confirmation # XXXX. I carefully explained that I wanted the account removed since it has been closed for over 10 years. During my conversation with the supervisor, she told me that the XXXX closed account will stay on my report for another 10 years ( until year XXXX ) all because I am requesting another investigation. I stated that a dispute date should not determine how long an account remains on a credit report and that XXXX and XXXX had already removed the closed XXXX account after the 10 year anniversary of the account closing date. The XX/XX/XXXX dispute was completed on XX/XX/XXXX and the XXXX account remains on my Equifax credit report. 

Equifax 's practice of making a closed account remain on a credit report for over 10 years and then making it stay for another 10 years is unacceptable, promotes unfairness and inaccuracies. 

I mailed Equifax Information Services LLC in XXXX, Georgia a letter on XX/XX/XXXX informing them of reporting their misbehaved practice to the Consumer Financial Protection Bureau. 

On XX/XX/XXXX, I called Equifax again, spoke with a representative and questioned why the account has to remain on my report. The representative stated that I will have to contact XXXX and request XXXX to have the 10 year old closed account taken off my report. I explained to the representative that a customer should not have to contact a creditor from over 10 years ago just to honor my request.
Consumer complaint received 2015-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R.M. Galicia, Inc. (CA)

Progressive Management Systems submitted a negative credit report to all major credit reporting agencies regarding an alleged debt to XXXX in the amount of {$50.00}. This debt was dated XXXX/XXXX/2015. Progressive Management Systems never notified me in writing regarding this debt nor provided a right to dispute this debt. I discovered this information via the annual credit report check I completed on XXXX/XXXX/2015.
Consumer complaint received 2016-12-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ZIONS BANCORPORATION (AZ)

I took out a loan in XX/XX/XXXX for {$15000.00}. I recently called back on the XX/XX/XXXX for a pay off qoute in which I paid. I never received a letter stating that the loan was paid in full, when I called about this I was told that I own more money. When I ask how much is still owed ot ask for an explination., I am told to call XXXX at XXXX but no one ever answers. This practive is simple extortion and a volation of the Fair Credit and Lending act. I also had to report this loan company before for turning mr into collections when the loan was NOT in default.
Consumer complaint received 2016-09-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CT)

I was sent a statement from my car loan company after an accident ( XXXX XXXX ) and subsequent payoff that I was cleared of payments till XXXX XXXX. A few months later they started sending me bills again. They stated that it was an error on their part and I should have been getting charged the whole time because the insurance did n't cover the whole cost of what was owed on the car. They originally applied the amount my insurance paid them to my bills which covered " x '' amounts of payments leaving me cleared till XXXX. They then decided I was to either pay them the remaining amount or continue with my regularly monthly payments. In the mean time I sourced a new vehicle based on my budget and the statement that they gave me stated I was cleared till XXXX. I complied and started making the payments on XXXX vehicles now even though I felt this was unfair practice. I had a rough month and made a late payment on the last day possible via their statement. Their policy says if the payment is submitted before XXXX it would be counted as that day, I made it @ XXXX which means I was clear. They then posted to my credit report that I was over 30 days past due, based on the fact that it was due XX/XX/XXXX and they did n't receive it till XX/XX/XXXX. I talked to them on the phone, they refused to admit their error until I persisted and gave them my confirmation number proving my case. They still have yet to work with me or offer to pull the hit on my credit report. Multiple times I feel I was treated unfairly by XXXX XXXX and I attempted to work with them and they would not even make the correction after admitting their own error
Consumer complaint received 2016-04-04
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: 2288984 Ontario Inc. (MD)

Thus far I have paid XXXX in fees and XXXX in interest with a payoff of over XXXX dollars. I borrowed a total of XXXX on a XXXX loan. only XXXX % of my payments are going towards my payoff-the remaining monies are being applied to Fees and interest. WIth what I have already paid, plus the XXXX ( payoff balance ), my total payoff will be approximately XXXX. However, If I do not pay the payoff and just keep making the bi-weekly payments, It will take me at least two years ( and several thousands of dollars ) to be anywhere close to paying this off. After looking over my statements and seeing how there was no dent being made in my balance, I started doing some research and found out that many of these companies are not licensed to provide loans in some states. After calling the DLLR for the state of Maryland today, i was told that Moneykey is one of those said companies that should not be providing loans in this state. I was advised to file a complaint and close my bank account. 

XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX in fees YTD and XXXX in interest
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (FL)

-Applied for card in store because I did not have wallet on me, got approved. 
-Used card same day in store -never received physical card, a bill from the company or a phone call for 6 months. 
-company reported 6 months of late payments all at once, no chance for consumer to fix the issue. 
-offered to pay the card in full, apologized endlessly. 
Attempted to pay card over phone, would not accept payment because it was in collection -Attempted to pay card in store, old navy said they did not take instore payments. 
- Called synchrony bank several times to resolve issue and pay account, non negotiable. 
- Was told I could pay the card in full, but they still would not change anything on my report. 
-Was told by the bank representative, even if the bank was at fault for not supplying a bill for 6 months, ( or a card ), it is still my responsibility to find a way to pay it. 
-Was told by the bank that I signed up for e statements, but never received any of those either. 
The only correspondence I received form old navy was for sales. 
If I didn't have a bill, statement or a card, how am I supposed to pay it online?
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (GA)

I would like to put a freeze on my XXXX year old 's SS #, but the current methods make this unbearably difficult. As I understand it, I have to physically send copies of his birth certificate, SS card, and various other forms of ID for him and me, to each of the XXXX credit bureaus to first find out if there is currently any fraudulent activity on his account. Then, once I receive these in the mail, I have to go through the same process again with all the same attachments, to place the freeze for all XXXX agencies. Luckily I live in GA, and I understand there is no fee for a freeze in my state for children under XXXX, but I am amazed that other states charge, ( per agency? ) for this service. I would like to think that our government could help to protect our children by making the credit freeze process easier for parents to initiate. Even to go as far as to have a simple check box on the SS application form for an infant to request an initial freeze on the account until a child reaches XXXX years of age.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CT)

RE : EXPERIAN XXXX XXXX XXXX Incorrect address on my credit report Dear CFPB : I called Experian in regard to an address that was not mine. Experian XXXX XXXX advised me to contact the creditor. I contacted the creditor and was informed of a system error on their part. Experian still has not removed this address from my credit report even though I had requested it removed. Please see the credit report that reflects the incorrect address. 

Please remove the address XXXX XXXX XXXX XXXX XXXX CA XXXX. The address is not mine and I never lived in California. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AR)

I mailed dispute letter regarding Bankruptcies that reflected on my credit report. I asked to verify the accounts, I was advised that they did verify through XXXX and the Court systems, this is incorrect. I have security freezes presently on my account so information as such who verified is inaccurate. I have requested to have this reviewed and deleted and the Experian has not done so. I would like to file a complaint against the credit agencies reporting such and stating that XXXX and the court systems as verifiers.
Consumer complaint received 2015-08-01
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CASHCALL, INC. (CA)

They Call me at least XXXX times a day even, when i made a payment they wanted me to put a card on file for automatic debit. I refused to and told them that, but they continued to harass me anyway. They also call from numerous numbers from different states.
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I am just beside myself. Equifax has repeatedly victimized me without a second thought. They are reporting information on my credit report that is NOT mine. They 're saying people can do a hard credit inquiry for " permissible '' purposes. The recent inquiries on my report DO NOT fall under " permissible '' because I have NEVER done any business with these companies. In addition, they continue to report a XXXX XXXX account as late that IS NOT MINE. Finally, they are reporting a XXXX XXXX Secured Card that my bank opened without my permission and was NEVER funded. The account was NEVER open and active. That should NOT be on my report! I have been victimized for years and I am begging for someone to PLEASE STOP THEM. I 've already proved information they claimed was " verified '' is false. Furthermore, I 've contacted the people who pulled my credit without my permission and they have no explanation. Those inquiries are illegal and need to be removed!
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank handles the Credit Card for JC Penney. I realized I was getting late fees last year after making 16 payments during the year. I called the credit card and was told that the bank was receiving my payment too early so it did not recognize my payment when it issued my new bill. They did offer me XXXX {$35.00} refunds but could not go back into the account any further. This issue started in XXXX of 2016. I asked if I could talk to a supervisor and was told they could not help me. 
I contacted Department of Banking and Insurance who referred me to you with a Tracking # of XXXX. It seems I can not even speak to Synchrony Bank and do not know how to handle from here. They changed my due date and told me that should remedy the situation.
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Balance transfer fee — 
Company: BARCLAYS BANK DELAWARE (FL)

My card ending in XXXX I was approved for a Barclaycard on XX/XX/2017 I was asked if had a transfer 0 % Int. I did, to XXXX XXXX for {$4800.00} XX/XX/2017, Went on line did not see the transfer. 
Used the card on XX/XX/2017 and saw the transaction of {$55.00} to XXXX Still did not see the transfer of {$4800.00} About three weeks after approval I see the transfer of {$4800.00} to XXXX XXXX, XXXX times $ XXXX.= total of {$9600.00} I called after sending 4 emails and no respond. 
Lady said that Indeed looks like an honest mistake/Error. 
Lady on the phone said if I return the {$4800.00}. I will get the transfer fee of {$140.00} back and only pay XXXX transfer fee, since it was an error. 
I made a payment of {$4800.00} to them online. the XX/XX/XXXX I called today to make sure I get back my fee back on the error transfer. 
Another person on the phone said I will not get any fees back. 
I want my {$140.00} back for the error transfer that it was made.
Consumer complaint received 2017-04-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I got scammed by a guy named XXXX XXXX using Paypal. I wanted to buy some product from him and sent him a payment of {$130.00} on XXXX XXXX 2017to his Paypal account, XXXXXXXXXXXX. But he never sent the product that I payed for. So I contacted Paypal immediately on XXXX and tried to cancel my payment on Paypal but they did n't allow me to get a refund.
Consumer complaint received 2022-08-04
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. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 


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
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: LEXISNEXIS (NJ)

About three weeks ago I had requested a copy of my consumer report from Lexis Nexis. I had to print out the request and mail it in. I actually mailed the application for my consumer report in via certified mail. Now almost two weeks ago I received the certified postcard back stating that it was received by Lexis Nexis and as of today XXXX/XXXX/2015 I have yet to receive the report. I am very determined to get the report and to dispute the information that is furnished on the report because I have declined employment and apartments due to information that has been pulled from LExis Nexis which I know is wrong. I am the victim of Identity theft and I am trying to clear my name and it is extremely hard when these CRA 's are withholding information from you. I have every right to see what is being collected on me from your company and it is my right to dispute the information. I also want to put a security freeze on the report for security purposes because what they have listed is detrimental to my livelihood right now.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

For years they told me I could not get a new interest rate. I was in deferment for a while and I feel that they have misinformed and applied my funds. I am a XXXX and I have XXXX for 13 years at XXXX that qualify you for the {$5000.00} off. I sent in the paperwork and was denied. They said I took out a new school loan, when all I did was consolidated with them as they told me to almost 15 years ago. I just applied for the XXXX forgiveness in 2016. They could not explain why. Please help me! Thanks
Consumer complaint received 2016-10-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BB&T CORPORATION (FL)

BBT BANK IS REFUSING TO REFUND {$36.00} OVERDRAFT FEE BACK INTO OUR ACCOUNT WHEN THE MONEY WAS THEIR. TRANSFER FROM SAVINGS TO CHECKING OF {$200.00} WAS PUT ON PENDING WAS MADE ON XXXX/XXXX/16. MONEY WAS NOT RELEASED FROM SAVINGS TO CHECKING UNTIL XXXX/XXXX/16 WHICH THE BANK CHARGED ME AN OVERDRAFT OF {$36.00}. I CALLED THE BANK AND TOLD THEM ABOUT THE ERROR AND THEY FLATLY REFUSED TO MAKE CORRECTION.
Consumer complaint received 2016-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (TX)

Following our application with Quicken Loans XXXX XXXX, XXXX # XXXX with Quicken Loans on XXXX/XXXX/2016 originally told us and sent over disclosures confirming our rate was locked in at 3.875 % with XXXX points. On XXXX/XXXX/2016 Quicken Loans provided us a " Re-disclosure '' package in this package our rate is now showing 3.875 % with XXXX points. XXXX Loans/XXXX XXXX need to honor our previously agreed upon rate lock.
Consumer complaint received 2017-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Titan Receivables, Inc. (CA)

You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA , Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter. 

I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. 

I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program.
Consumer complaint received 2017-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MA)

After XXXX school, I consolidated my loans with Fedloan Servicing and have been attempting to use an Income-Driven Repayment Plan, with a goal of working towards PSLF. I have encountered myriad issues from this loan servicer, and repeatedly received conflicting information from phone representatives and failed to reach any solution with them. 

Most recently, my monthly payment ( with no recent income change ) has fluctuated between {$460.00} and {$610.00} without any explanation, without any response to my letters, and without any resolution. Previously, more than {$4000.00} of interest was capitalized due to an error of paperwork processing. Before that, a payment of {$610.00} was made for a loan payment in the amount due for that month, which changed without any notification - to {$0.00} - between the time of my authorizing the payment and its processing. Fedloan refused to refund the payment, and instructed me to contact my bank ( who were incredulous ), and currently I have an open XXXX dispute to which Fedloan replies with meaningless, pre-formed responses and refuses to work towards any resolution. 

I feel that I was egregiously misled by this sham company, and have no doubt that many other students simply trying to do good work in service of the public are being raked across the coals by a self-serving scam organization. Any time I reach a phone representative, they immediately encourage me to enter deferment, knowing interest will still accumulate at a high rate during the deferment period, and they 'll ultimately receive greater payment. 

In sum, I 've encountered numerous issues of high significance, have been unable to work towards any resolution with Fedloan servicing, repeatedly receive conflicting information from phone representatives, and am paying money that is outside of the agreed repayment term and also losing months towards PSLF. CFPB is my last attempt to resolve these many issues before I hire a private attorney. I hope the focus of this issue might also help other students in similar situations, of whom there are no doubt very many.
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo was charging me a fee for " interest fee on cash advances '' on my credit card. I had never withdrawn or transferred cash from that account. The charges were incurred monthly, and were in the 30 dollar/ month range. 
When I complained, they said that an " overdraft protection advance '' was considered a cash advance and that I was being charged interest on that at 26.24 %. If the interest is 33. per month, at that percentage, that would mean I'd have approximately 1500 dollars in overdraft protection advances, which I certainly do not. Now, since I am overdrawn, they apply another fee every month, on top of my regular interest, and I fall deeper and deeper into debt.