davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (CO)

In XXXX, I took out a loan to finance a commercial property. Fay Servicing, ( XXXX ) XXXX. Was the loan servicer. In XX/XX/XXXX, I refinanced the mortgage, meaning that the loan I had was satisfied. Fay Servicing then had four months, under XXXX Revised Statute 38-35-124 to release the deed of trust from the property. Fay Servicing has not released the deed of trust for the property, meaning that they still have a loan attached to the property which has been paid off. 
Fay Servicing, on one or two occasions, filled out and submitted an incorrect request for release of deed of trust to the XXXX XXXX XXXX XXXX for processing. The Trustee rejected the filings on both occasions, since Fay failed to use the XXXXspecific form to release the deed of trust. Per Fay Servicing 's instructions, I submitted the correct forms to them at their lien release department, XXXX. I have never received anything after submitting forms to that email, not even an acknowledgment of receipt. I have called the company approximately 15 times, and each time, the phone rep refused to give me the name of a real person I could talk to about this matter, until someone was kind enough to give me the name of XXXX XXXX, ( XXXX ) XXXX, email XXXX. I have repeatedly called and emailed XXXX XXXX, who, like the phone reps, stated that they would " escalate '' my request. Translation : my request went to the trash. I request the CFPB 's help in getting Fay Servicing to complete the right forms and release the deed of trust, something required to have been completed under XXXX law over a year ago.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (WA)

On XX/XX/2022 I attempted to make a {$1000.00} withdrawal from my Ally checking account using a XXXX XXXX XXXX XXXX ATM. 

The transaction was cancelled at the terminal and no funds were disbursed. 

Nonetheless, Ally Bank debited my account for the funds. 

It has been XXXX days since the error occurred and Ally refuses to return the funds to me claiming, instead, that it will take them XXXX business days to review the dispute and another XXXX business days to disburse funds assuming they decide in my favor. 

With weekends and holidays included I am apparently expected to pay my bills with Ally Banks assurances that it will only take them a month to return funds that are rightfully mine to my account. 

No doubt my landlord will be delighted to hear this news and I can only imagine the ease with which I'll be able to purchase groceries or pay for my car using their dispute policy as collateral.
Consumer complaint received 2022-01-22
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. (MI)

On XX/XX/2021, I sent a dispute to Equifax about XXXX XXXX XXXX ( Date Opened : XXXX XXXX, 2021, Balance : {$480.00} ) XXXX ( Date Opened : XX/XX/2021, Balance : {$180.00} ) XXXX ( Date Opened : XX/XX/2021, Balance : {$220.00} ). It's been over 45 days since i sent this dispute and they have not answer as they are required by the FCRA.
Consumer complaint received 2015-11-28
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NE)

An unauthorized purchase of {$340.00} was made on my Sam 's Club credit card account XXXX XXXX. When it appeared on my statement, I contacted the issuer and challenged the charge. I was assured in a phone call to Synchrony Bank ( issuer of the card ) on XXXX XXXX that I was not liable for the charge. When the charge remained on my account, I phoned again XXXX XXXX and was told to ignore it. When it continued to appear, along with late fees, I called repeatedly and was transferred to Collections instead of to Customer Service. I finally got through on XXXX XXXX and was assured that I was not liable for the charge, and that I would receive documentation to that effect within 7-10 business days. The documentation did not arrive and the company kept phoning my wife to demand payment. I finally got through to Customer Service ( after fighting with Collections again ) on XXXX XXXX and was assured that my account had been fully credited and showed a {$0.00} balance ( in spite of the fact that their computerized system had just informed me it was {$450.00} ). I will believe these assurances when I get my next statement. In the best case scenario, it took 115 days, XXXX direct phone calls and countless harassing phone calls to my wife to get this cleared up. Worst case, the saga continues...
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (KY)

IQ data international for the amount of XXXX is reported on my report which is a debt I am not responsible for as I was promised by the property owner of the original debt that I would not owe that, then I was contacted by the debt collector and talked to very nasty by the manager and harassed many times by IQ DATA. I feel completely violated and shamed by how I was talked to and treated
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (GA)

First National Bank of Omaha ( XXXX ) has a BP credit card ( XXXX XXXX ), that my parents have been a member of for the better part of XXXX  years. 

I applied for my own card XXXX months ago and was approved and used the card for that amount of time. A hold was placed on my account, I called and they claimed that they randomly choose accounts to put a hold on and have an employee review them, then take them off after. I asked to have the hold removed and they said they could not move any faster than whoever was tasked to reviewing my account. 

XXXX weeks went by and my card was still on hold, they never emailed me, messaged me, or contacted me at any point about the hold, I had to call them. 

They then mailed me a letter saying my account is closed because of unnecessary risk and exposure to the bank. I have never missed a payment, always paid the entire balance weeks before the due date. This is unacceptable and terrible business operations, my credit score will take a hit as a closed account will be reported, I need answers as they claim they can not re-open the account.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested my information several times in the past few months. I am unable to get my free annual and on transunion site, they do not allow a credit report without signing up for monitoring, which I believe is illegal. I have some errors on my credit profile and I want the ability to correct them online with transunion
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

Hello. I recently tried to use a {$100.00} visa gift card issued by U.S. Bank National Association. The card was declined so I checked the website on the back of the card and saw that there was a {$100.00} transaction with XXXX on XX/XX/XXXX. This did not make sense to me because I had never used the card. I double checked my XXXX account and confirmed that there were no transactions using the gift card on my XXXX account. 

I then called the gift card customer service number on the back of the card. They asked for proof of receipt for the card in order to help me. I explained that I got the card as a gift and did not have the receipt. I also explained that I got quite a few gift cards for my baby shower and did not know who gave the gift card to me. They then said the card was registered in someone elses name and continued to say they could not help me unless I had a receipt. There request and refusal to help didnt make sense to me. 

I then called XXXX customer service to see if they could help me. I provided them the gift card number but they were not able to look up the purchase that way. The XXXX representative asked me for the transaction number so I went back into the gift card website to retrieve the information but I was now no longer able to access the gift card website that I had access to just a few minutes earlier. 

So I then called the gift card customer service number back and explained the discussion I had with XXXX and that I no longer had access to the website with the transaction information. They then explained that I could no longer have access to the transaction information unless I provided proof of receipt. This led to a repeat of the previous conversation and them not helping me. 

I am now suspicious that they are scamming me. Not only did they not help but they then took away information ( XXXX transaction number ) that may have allowed me to get it resolved through XXXX. I now have no options. 

Can you please help me get a new {$100.00} gift card. Thank you.
Consumer complaint received 2022-11-17
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. (RI)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SS # XXXX I am writing in regards to some discrepancies I noticed on some of the accounts on my credit report from Equifax. I have asked Equifax to investigate these accounts and have not received any investigation results or changes. I have sent a letter XX/XX/2022 and another XX/XX/2022 and no response. 

XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX - Originally XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX - Originally XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  - Originally XXXX  XXXX  Account XXXX XXXX XXXX This inaccurate information on my credit report has been effecting me and would like it removed. 

Thank you, XXXX
Consumer complaint received 2022-01-22
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. (AL)

Accounts and records XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX are not mine. I am coming to you to contest against accounts listed under my name and I know are not mine. I have sent several letters to the company and credit reporting agencies on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted the listed companies as well. It is stated per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company. I am fully aware that NO court system provides any type of court filing of bankruptcy or record. Where are you actually getting the record from and what authority do you have to give that information?
Consumer complaint received 2022-01-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (CA)

There was a promotion to open an account at Citibank to receive XXXX XXXX XXXX XXXX by having transactions in the amount of {$750.00}. After opening an account based on the advertisement and using the card to receive the promised promotion, the bank did not give the reward miles. 
My husband and I contacted Citibank on XX/XX/2022 at XXXX PST checking account department where they put me on hold for more than 2 hours, then they rejected the promised promotion by adding another criteria. To the best of my knowledge it is a clear misleading approach and a fraud to advertise to open an account and later ignore what they promised. I talked to an agent where he told me he can not help me with this issue, I requested to talk to a supervisor and after 2 hours waiting, she was rude and did not help at all. I also requested if you are adding a new criteria, please give time to complete but they simply ignore my request. I talked to a lady supervisor with the ID of XXXX and she refused to provide the ID of the previous agent. If there wasn't the promotion, I was not willing to open a checking account with this poor customer service.
Consumer complaint received 2021-11-25
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: Fidelity National Information Services, Inc. (FNIS) (MN)

The following reported information and inquiries reviewed by others listed on my Chex Systems XXXX Report ID : XXXX is fraudulent accounts and a fraudulent credit inquiry : XXXX XXXX, {$3900.00}, XXXX XXXX XXXX, {$380.00} and XXXX XXXX XXXX, XX/XX/2021, These fraudulent accounts and inquiry is the result of identity theft. I have a current police report on file with Chex Systems for being a victim of identity theft.
Consumer complaint received 2022-01-22
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. (NC)

Hello there are accounts and inaccuracies on my credit report. I reviewed all 3 reports and when I noticed the issues I reached out to Equifax and XXXX. I sent a total of XXXX certified letters advising them of my request for correction and removal. Not only have they not done this they continue to send me a computerized response of validation. I am the sole " person '' that can validate anything on my credit file per 15 USC 1692 ( g ). I am also the one who must give my written consent giving the credit reporting agencies authorization to furnish my credit report in the first place. So who is actually in the wrong here? The consumer law violations are overflowing at this moment and this is my last attempt before the courts are involved and my invoice for monetary payment is mailed.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (OR)

I have a Health Savings Account with Optum Bank, this account has been active since XXXX. I attempted to login to my HSA account, today, XX/XX/XXXX, to begin the process for reimbursement for a qualified expense. They were unable to locate my account, and I was unable to login with my credentials. I called customer support, and talked with a front-line staffer, who did all within her power to locate my account. She informed me that all of my online account activity and presence has been erased. I additionally learned my email address had been modified by an optum staffer to some other email address - not mine. I asked to speak with a supervisor, and it appears that one of their computer algorithms decided to terminate my account credentials. The supervisor and I both tried to create a new account but I kept getting an error message. We attempted several troubleshooting methods and it did not work. 

I have a case number with Optum bank - Optum Case # XXXX If I didn't notice this error, and bring it to Optum 's attention, my entire health savings account could have been lost or stolen via identity theft This would cause significant hardship for my family, who depend on this account for ongoing medical expenses. 

Optum has repeatedly been reckless with my account, making significant and drastic account changes without notice ; they should be heavily scrutinized by the proper regulatory authorities.
Consumer complaint received 2022-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CA)

Hello, I have a loan through Affirm for my XXXX bike ( ID : XXXX ). 
On XX/XX/XXXX a charge was made against my account and labeled as " XXXX XXXX ''. As I had not made a purchase through XXXX XXXX I called my credit card company and the payment was reversed. I was credited with this payment on XX/XX/XXXX. 

Affirm later alerted me they had not received my payment. Upon speaking with Affirm, they realized they had miscoded the charge leading it to incorrectly be labeled as " XXXX XXXX '' rather than " Affirm '' as in previous billing cycles. 

After learning this I called XXXX bank and re-authorized the charge. On XX/XX/XXXX this payment was again taken from my account. 

Affirm claims to have never received this payment. I have provided their customer service with screenshots and reached out many times both via phone and e-mail. Furthermore now Affirm does not seem to be able to bill my account anymore and is refusing to resolve the issue. I do not have another account I can use beyond the two already tried. 

This has left me two issues : 1. I am unable to remit my monthly payment to Affirm, leaving me no way to pay my loan despite wanting to pay the loan. This, in turn, is dangerous to my credit. This is especially egregious when the initial problems were caused by Affirm mislabeling my payments. Customer service has refused to assist beyond telling me to try a different account ( which has also not worked and I have no further accounts ). 
2. Affirm claims to have not received my XXXX payment even though it was removed from my checking account. 
Affirm customer service has been unresponsive. Through 4+ calls and multiple e-mail follow ups Affirm has provided me no way to pay my loan.
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: Experian Information Solutions Inc. (NY)

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XX/XX/2020 ; XXXX XXXX
Consumer complaint received 2022-01-22
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: Lending Club Corp (KY)

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). is a inaccurate account on my credit file and is not mine.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

The inaccurate account " XXXX '', account number is XXXX was removed from my credit profile on XX/XX/XXXX and re-inserted on XX/XX/2022. This illegal and against the FCRA guidelines. I will be suing and collecting reparations if " XXXX is not removed from my credit profile. This is an unethical practice. The credit bureau and I both know this is grounds for a law suit.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act accounts listed below have violated my rights. 
As per below Section 602a : states I have the right to privacy Section 604a section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

# XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

- Our tax payments were stolen from the post office on XX/XX/2022 ( we filed a case with the XXXX ) - On XX/XX/2022 we noticed a check clearly made out to the United States Treasury on the front for {$6800.00} was cashed immediately with a signature on the back ( not the government computer generated numbers- we confirmed that the US Treasury did not receive our funds )- We went to XXXX immediately on XX/XX/2022 and as instructed filled out a XXXX page affidavit which they faxed to customer service from that branch - We also closed the account because of the fraud and opened a new account at the same time in which the funds were immediately transferred - On XX/XX/2022 we received a mailed letter from XXXX stating that a claim has been initiated and they were in contact with the bank that cashed the check Wells Fargo. XXXX Case # XXXX XXXX - We have called XXXX multiple times and gone to the XXXX branch twice between XX/XX/2022 and XX/XX/2022 about the status of the claim and just get a call center saying they are 'waiting to hear from Wells Fargo ' XXXX 

- On XX/XX/2022 we received a letter from XXXX telling us that Wells Fargo is responsible for repayment. If after 90 days XXXX does not hear from Wells Fargo, XXXX will close our claim and our funds will not be recovered. - - It should be clear to both XXXX and the Wells Fargo that we have been wronged and that one of the two banks is responsible for returning my {$6800.00} as the Payee of United States Treasury is certainly not a handwritten signature. 

- Wells Fargo has not responded to our bank XXXX. How can it be legal for Wells Fargo to just not answer in order for XXXX to just give up and we are out of funds because Wells Fargo made a mistake and is blowing it off.