davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (AL)

A merchant started debiting my account I contact the merchant and was told that they didn't see where they were debiting my account. I contacted the bank and informed them of this issue I was told to pull the money I had in my account out because it wiuld be a while before I received my card, I called back and informed the bank that the merchant had debited my account again and to order a card. The merchart was able to debit my account three times. It is a hassle to contact the bank it takes at least a hour to get anyone to assist and the 4 times I called I wasn't helped. I sent in the paperwork sawing that I disputed the amount and the email I sent to the company, but they stated that they didn't recieve it and that they would send out another form, which, I never received. I have called and asked why they haven't refunded the monies, but no one can give an answer, however, they have placed credits on my account then debit them off. The amunt is about XXXX, but I need someone to address how this banks handles the customers, regardless of it being a government funded card.
Consumer complaint received 2022-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (MN)

This was a private loan that originated from My XXXX XXXX. I filed for bankruptcy in XXXX and this was included since it was a private transaction/loan paid directly to me. I advised the lender of my bankruptcy discharge, they then filed for bankruptcy, sold the account to Youconomics. Youconomics then sold the account to UAS XXXX. I have called and emailed them about the discharge Gave them a copy and requested my payments for XXXX and XXXX returned. They advised it would take 3 weeks but it has been over a month with no new information and they continue to report the account to the credit agencies.
Consumer complaint received 2022-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

I took a forbearance for Covid XXXX XXXX & XX/XX/XXXX and have recently come out of a XXXX XXXX Bkruptcy in XX/XX/XXXX. Although I restructured with most of my Creditors, my Mortgage to Fay Servicing was the only one I continually paid. I have over 36 separate pages of payment history where it is withdrawn via ACH every two weeks that I am paid since prior to the Pandemic. 

I have been religious in regard to making these payments due to the fact I have owned my home OVER a decade + some years and I have a TON of equity. Their egregious behavior in not accurately applying my payments and furthermore demanding payments that are not due is Absurd to the point of borderline Criminal. 

I feel as they are attempting to Force me out and I can get NO ANSWERS. I have requested a pay history from them proving I am behind and once more nothing. 

I NEED HELP!
Consumer complaint received 2022-07-13
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. (AZ)

The list of information and inquiry was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiry listed below : EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX  XX/XX/XXXX
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs/Apple XXXX says that they report the status of all accounts once per month in the third week. But, this is not true. Sometimes the status/balance is reported in the third week, sometimes the data is updated after my payment due date on the XXXX of the month. In either event Goldman Sachs will not give a precise date on which the account status is reported to the credit bureaus. 

It's impossible to monitor my credit and manage my finances without a specific STATEMENT CLOSING DATE.
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Hi, my name is XXXX XXXX. Its been over XXXX  months since I sent a letter to yall about severals on my report. I have been waiting for your response since I sent my dispute letter on XX/XX/2022, but it seems my letter has been ignored I am not sure if it has something to do with my race, but I was told by a financial expert that I can file a complaint on several agencies should you continue to ignore my letters. I'll be waiting for XXXX  days from now to see if there will be any changes and will take my next step after that. Thank you!
Consumer complaint received 2022-10-20
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: U.S. BANCORP (NY)

Hi there, This is regarding the US bank altitude reserve card ending in XXXX. I was charged annual fee of {$400.00} on XX/XX/XXXX and has made the payment for the annual fee. The card comes with {$320.00} travel credit annually. 

I had a transaction with airbnb on purchase on XX/XX/2022 for {$290.00}. It's been over 3 weeks and I'm not seeing the travel credit being applied. I've tried calling the customer service numerous times and nobody was able to help. 

Could you please advise?
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have an account that is reporting wrong and incorrect information. Unfortunately, and too much dismay, I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account is from XXXX XXXX with the account number XXXX is reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX is BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account immediately. 1. XXXX XXXX with the account number XXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (AZ)

Got an alert that Hyundai motor finance opened an account. I did not authorize. My old account should be reporting XXXX. 
Misuse of credit card, continued reporting on XXXX account. Keeps reporting old info for purposes of extortionate means. Credit bureaus are reporting inaccurate information. 
Account XXXX lawfully on XX/XX/XXXX. 
By payment in full. 

Keeps reporting billing errors under 12 CFR 1026.13. Collected payments for 3 years on a account that had a finance charge. I asked company to cease and desist for the first time in XX/XX/XXXX. 
Company is blatantly trying to extort funds by negatively reporting on my report. I have seemed remedy with the company several times. 
Company did not default account per new cfpb investigation and I feel that I am party to that complaint. Company stole vehicle and sold vehicle, after collecting the full finance charge, did not disclose the details of the contract. Failed in fiduciary duty to protect the beneficiary. Used beneficiary signature to receive credit, and then collected federal reserve notes, under a alleged car loan. Can not lend money under 42 USC 408. Is purporting that I owe them on a " loan ''
Consumer complaint received 2022-07-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Social Finance, Inc. (MN)

Related to complaint : XXXX Sofi sent me a check via XXXX XXXX to close out this matter. However, according to my bank, the check they sent me is not cashable as it doesn't include SoFi 's routing or account number. Because it is missing crucial information, it is not cashable by my bank ( XXXX XXXX ). This is the second check they sent me. The first they refused payment, this second does not meet the basic requirements of a legal ( cashable ) check. 
Response to last complaint resulted in a written lecture about the status of my phone and a promise to send a second check. Again, the second check does not meet the minimum standards of a cashable check as it is missing routing and account numbers- so my bank unable to submit for payment. 
Calls to SoFi result in them taking my name, telling me call must be handled by regulatory complaints team, who will call me back, but then never actually calls me back. ( which I can prove by my phone 's call history ). They will claim this is because my phone has been hacked, but I had reset by my carrier back to factory settings and have had no issues outside of those with SoFi. 
As a bank, SoFi should be able to produce a check that is cashable. Telling the CFPB that they are sending me a check to close out this matter, but then refusing payment on the first check and sending a worthless check the second time, feels very much like an attempt to wear me down and not respond in a truthful way to this situation.
Consumer complaint received 2022-07-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (VA)

My husband spoke as a representative to XXXX at National Recovery Agency where she proceeded to tell him if we set up a payment plan they would not report to credit agency. Two days after payment they reported the debt. When I called in XXXX XXXX ( XX/XX/12 ) informed he heard said call and they can still do it. I have asked to hear call with no luck. XXXX at extension XXXX is now claiming he will only help if I pay full amount. Lying to collect money.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — Store credit 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 (MA)

Approximately a year to 18 months ago I made a purchase from XXXX and opened a store charge card through Synchrony Bank to finance it . Unfortunately, the product was defective on delivery. One section was manufactured in the wrong fabric color and there were two specific mechanical defects. The merchant was recalcitrant about addressing the situation so I eventually opened a dispute on the payment balance. Extremely gradually over the past year they have reluctantly and slowly addressed these three defects until, finally, today delivering the replacement section in the correct fabric as purchased. 

Unfortunately, 4 times over the past year Synchrony Bank has inappropriately " resolved the dispute in the merchant 's favor '' without any communication to or with me whatsoever. Each time the defects remained unresolved but each time they closed the dispute without any investigation checks with me. The most recent time was 4 weeks ago and after extensive conversations they *promised* me this would not happen again. Of course it did. Again I received nothing from them though I always receive their e-mails seeking payment so we know they can reach me. This time they marked the account delinquent and assessed a late fee. 

They have refused to acknowledge or address their repeated mishandling of this situation and inappropriate adverse actions against me for their failure to communicate with me about whether the dispute could be closed or to notify me they were doing so. They have agreed to remove the late fee but they are refusing to take any steps to remove the adverse notation of delinquency with the credit bureau and they are refusing to account for how they continued to prematurely close the dispute before the deficiencies were resolved. As this has now happened on 4 separate occasions even after the most recent time when they *promised* it would not happen again I am left with no recourse but to file this complaint against them.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Certegy Holdings, LLC (TN)

XXXX XXXX, check sent for XXXX and sent back from XXXX because Id so-called negative info from agency called Certegy. Every time try to call them always repeat my info wrong and impossible to reach. Have sent letter to Certegy because they can not get info correct.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC. (CA)

Note " This was submitted as a complaint in XXXX and subsequently closed by the cfpb. 
However, the bank XXXX direct still refuses to let me speak with a supervisor and has not returned my money. I have urgent expenses, including medical that are overdue and need my funds back. 4 months have gone by. I will paste the original complaint below for the record. My request is as follows : XXXX. Have a management official call me to explain what happened and return my money immediately. 

XXXX. Provide reasonable compensation for late fees. lost interest and opportunities due to failure to timely return my deposits. 



-- -- - orignal compalint : Opened an account at XXXX Bank on XX/XX/2022. After receiving email confirming that account was approved I transferred in XXXX from my accounts at external banks Subsequently, after the transfers in had processed and showed up in my account as " available '' I received an email request to send a photo of myself holding my ID, which I did. ( XX/XX/2022 ) Then, immediately, I received another email warning that my account was restricted because they could not verity the info. I have been trying to call or reach someone at XXXX ever since but noone is willing to respond or connect me with a supervisor. Instead I received an email that my funds can not be transferred out, and will be held for 30 days. Having transferred the bulk of my family savings I urgently need to access some of the money to pay bills, including medical, and am ready to provide addtl info if they have problems identifying me, but they have ignored 10 messages, and several phone calls.
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

About XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent investment firm ( s ).
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NY)

I paid off my lease with Ally, and the mileage fees on time. I made my last payment on XX/XX/XXXX. However I was reported late for XXXX erroneously on XXXX only. XXXX and XXXX were reported properly. I have contacted Ally since XX/XX/XXXX over a dozen times concerning correcting their error. I have disputed the error with XXXX, and have asked Ally for my payment history and for account statements proving I was never late, but they refuse to cooperate. They are a corrupt financial organization. They sent me a document dated XX/XX/XXXX that the account was paid in full. This is proof that XXXX wasn't late. I have been denied credit as I sought a place for myself and my XXXX year old to live, and my fico score dropped 60-80 points. I can't get a mortgage as I was verbally denied after my credit was examined. My online portal which allows consumers to obtain their loan documents is blocked because I mentioned an Attorney. There have been many complaints against Ally which was verified by a law firm in XXXX where Ally operates from/
Consumer complaint received 2021-08-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2021-03-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (NV)

My credit report was dinged by Audi Financial Services unnecessarily. Audi Financial Services had my email address at XXXX, and was never able to contact me to let me know my payments were not going through. The reason my payments were not going through is because it is a company car that is paid for by our company, and our business changed bank accounts after being acquired. After the acquisition, I updated the bank information and made a payment, but Audi never informed me that autopay wouldn't be reenabled, which is ridiculous. i have made every payment on time on the same day every month, and no one ever even gave me the courtesy of telling me that my payments were not being made and that autopaid was turned off. Instead, they went straight to dinging my creditr report, which I didn't uncover until I went to apply for a home loan, for which I was denied purely because of the dings by Audi Financial Services. 

There were two payments that were late for XXXX and XXXX, and they were for about {$800.00} each. 

In the attached photo, I took a screen shot that shows Audi Financial Services had XXXX as my gmail. Any competent agency should know that the email domain XXXX XXXX '' is a typo ( on their end by the way when I leased the car ), and should have made an effort to find or fix the email address.
Consumer complaint received 2022-11-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (NC)

In Accordance with the Fair Credit Reporting act XXXX AccounXXXX XXXX XXXXXXXX had violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
s.
Consumer complaint received 2022-07-13
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. (ME)

i had filled i d theft reports with XXXX equifax and XXXX they claimed that all accounts were proven to be mine with no verification of how these accounts were verified and refuse to remove all accounts listed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # xxxxxxxxxx XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # xxxxxxxxxxxx XXXX all accounts should be deleted
Consumer complaint received 2022-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MI)

Asked EdFinancial for refund on XX/XX/XXXX for paid student loan refund during " pause ''. Payment was made in full on XX/XX/XXXX for {$4700.00}. I was told wait 4-6 weeks, after 4 weeks I called back for an update; was told to wait. I called back on XXXX for an update and was told it was being processed and then hung up on twice. I am unable to apply for one time debt relief, and unable to make the XXXX deadline. 
Each time I have called, I received different responses and am hung up on. 
I understand that this process means reopening my loan and having a balance restored.
Consumer complaint received 2022-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (OH)

I am getting ready to purchase a home and wanted to ensure my already excellent credit rating was still where it was so I can get the best interest rate when applying for the mortgage. After reviewing my credit I notice choice recovery was reporting a debt on my credit report. I have reached out to them but no response and they are still on my credit.