davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/2019, while checking in for a XXXX flight, I was provided with a link to apply for an American Express Delta Skymiles card. The offer was for XXXX miles provided I charged {$2000.00} to the card within the first three months. My on-line application was approved on the same date. My Delta Skymiles account shows that spending of {$1900.00} was credited on XX/XX/2019, and additional spending of {$500.00} credited on XX/XX/2019. On XX/XX/XXXX I was credited with {$30000.00} bonus miles for spending on the AMEX card, but never have been credited for the remaining XXXX miles as advertised in the offer. 

I contacted Delta Skymiles on XX/XX/2019, and was told by the representative that I would need to talk to AMEX. I contacted AMEX on XX/XX/2019, and was told by the representative that someone would investigate the credit to my account and get back to me. That has not happened. 

The bonus miles offer for the Skymiles credit card varies -- the offer I applied for is the one described by XXXX : https : XXXX American Express has engaged in a " bait and switch '' in not complying with terms as advertised. 

CFPB 's help in resolving this is appreciated.
Consumer complaint received 2021-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: FISERV INC. (SD)

Regarding Cardconnect, a First Data Company : Their risk department closed our account without warning. Of the five days worth of processed payment transactions ( Batch receipts for XXXX = {$490.00} ; XXXX = {$370.00} ; XXXX = {$190.00} ; XXXX = {$260.00} ; and XXXX = {$400.00} ) totaling {$1700.00}, we received nothing into our bank account. I called Cardconnect and their origination entity ( XXXX ) numerous times and was told our credit card processing account was closed by their risk department. They said that since the account was closed, the charges were not processed by Cardconnect. That means that services we provided were not paid for because Cardconnect said they didn't charge the money, even though we have receipts showing everything was settled successfully. There is no way for us to recover that money. We view this as theft on the part of Cardconnect.
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TN)

I requested a student loan refund of {$20000.00} from Edfinancial Services for payments made during the XXXX pandemic on XX/XX/2022. I was told that the request would be processed in XXXX days. I did not receive any form of confirmation that the refund had been processed or that it was pending processing. I called EdFinancial again on XX/XX/2022 to make sure my refund request had been submitted. The agent I spoke to confirmed that the request had been submitted. She also told me that there was no defined timeline for processing, reinstating, or refunding my student loans. I filed a complaint with CFPB due to the servicer 's lack of transparency. Shortly after making my complaint Edfinancial Services reinstated a balance of {$9900.00} to my account on XX/XX/2022. I received treasury checks equaling that amount in the mail on XX/XX/2022. {$10000.00} of my requested refund is still missing. I have called Edfinancial Services once a week to ask about the remaining funds. Each Edfinancial agent I have spoken to has said that the refund request is processing but they can not give me a disbursement date because the Department of Education controls the processing timeline. XXXX of the agents gave me the phone number to the XXXX XXXX XXXX XXXX XXXX so that I could speak with someone associated with the Department of Education. I called the number on XX/XX/2022. The XXXX representative I spoke with could not find a record of the request for the last {$10000.00} of my refund. I immediately called Edfinacial Services to figure out why they had not sent the Department of Education a request for the full {$20000.00} I had asked for on XX/XX/2022. The Edfinancial agent claimed that the request had been submitted correctly. She was not able to tell me why the Department of Education did not have any record of it.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX Balance : {$3200.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. Please remove this account. 

XXXX XXXX XXXX, XXXX XXXX Balance : {$1300.00} XXXX account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance {$1400.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove. 

XXXX XXXX XXXX XXXX Balance {$610.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account.
Consumer complaint received 2019-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AL)

I submitted a check for the XX/XX/XXXX payment to Ditect on XXXX-18. The check was in the amount of {$270.00} but was never posted to my account. I have talked to several Ditect reps about the issue and faxed in proof that the check was processed from my bank. They have failed to apply it to the mortgage account. According to one Ditect service rep, issues like this happen often. I fear that this has happened to many of their clients and they are taking advantage of other customers.
Consumer complaint received 2021-01-13
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: DISCOVER BANK (AZ)

This is the fourth attempt I have sent more than enough supporting documents to have these 3 accounts removed from my credit report. i have reported these fraudulent accounts to the federal trade commission which in fact is a federal law enforcement agency. i am attaching all my supporting documents to support my request. such as NOTARIZED FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT. REPORT NUMBER XXXX A POLICE REPORT FROM MY LOCAL POLICE DEPARTMENT AND MY STATE ID AND CURRENT UTILITY BILL THAT VERIFY WHO I AM. I AM ALSO INCLUDING THE LAWS WHICH FURNISHER NEED TO FOLLOW UPON A IDENTITY THEFT CLAIM.
Consumer complaint received 2022-10-13
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. (VA)

I attempted to dispute these online via the application using XXXX, to no avail.I never authorized XXXX, Department of Education XXXX XXXX XXXX  XXXX, or XXXX to share my personal information with anyone. This was never a loan. I am aware this entry was merely a creation of numbers and decimals, obtained by my signature. As noted in UCC 1-201 ( 24 ) and UCC 3 ( 104 ). This was a consumer credit transaction. An extension of my own credit, as there has been no real money since 1933, therefore all debt is discharged and otherwise the responsibility of the United States. In accordance with XXXX XXXX Part XXXX and the Privacy Act of XXXX, I wish these entries to be removed from my credit report, simply because I did not authorize them. These entries are showing a " current '' report status even though some are 12 years of age. I did not nor do I now consent to my personal information being shared. It is fact that my signature secured this transaction. Please remove these immediately, as this is constructive fraud. 
Reference # XXXX. There are XXXX total entries totaling {$24000.00}. XXXX, XXXX, and Equifax are not even credit bureaus, they are private agencies playing with people 's lives. Straight fraud!
Consumer complaint received 2022-10-13
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: CITIBANK, N.A. (GA)

Citibank violated 15usc6802 also known as the Gramm-Leach-Bliley Act, they never sent me the required disclosures, of which would've given me the ability to opt out of having my non public personal information furnished to third parties.
Consumer complaint received 2021-01-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (IL)

I will reference your Administrative Proceeding File No. XXXX In The Matter Of : Fay Servicing , LLC. 

-ILLEGAL PRACTICES AND NON-COMPLIANCE WITH MORTGAGE SERVICING RULES. 


Fay Servicing LLC is who this mortgage got sold to by XXXX XXXX and they are pulling the same XXXX again that they were prosecuted on in the above referenced Proceeding. 

-Procrastination -Claiming they don't have paperwork that they earlier said they had -Avoidance -Constant change of account reps who in turn claim they have no previous knowledge or notes on sale. 
This matter happens to include HUD which creates the additional need for timeliness. 
One buyer already backed out due to Fay Servicing LLC negligence and now over a full year later there is a second buyer in limbo with the same scenario playing out.
Consumer complaint received 2021-01-12
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. (NJ)

To whom it may concern was looking at my credit report and recently noticed something that is in there that is 100 % inaccurate and not mine. XXXX XXXX is saying something abuot some collections from XXXX XXXX XXXX XXXX which i have no knowledge of and was never authorized by me. No one has ever contacted me and i never owed XXXX XXXX XXXX XXXX any money any time i dealt with them in my life. To the best of my knowledge this is fraud because i never signed anything with XXXX  XXXX XXXX for XXXX dollars. I did not authorize this. I tried to call them and got no straight answers. The collections company said you and XXXX XXXX XXXX XXXX couldn't give a direct answer they weren't sure. I asked them to remove from my credit file and they said they couldn't. Thats why I am coming here since you guys are fair and I am within my rights to fight against inaccurate information due to the fair credit reporting act.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MD)

On Sunday XX/XX/2021, somebody signed into my online Chime Bank account. I am not sure if they signed in through a mobile device, or a computer. I received an email saying Chime had added another bank account 'Simple ', which I did not recognize. So I tried to sign into my account through my phone. Strangely, I was prompted to input my login information, even though I had previously saved my login information. 

I looked at my activity, and saw that the hacker transferred {$11000.00} from my savings directly to my checking ( both accounts in Chime ), and proceeded to transfer {$2000.00} to a XXXX XXXX then almost immediately after {$9000.00} to the Simple bank account. 

This was all very strange, because I am always notified when a new device signs into Chime via email. However upon looking at my email history, I did not see any notification emails regarding a new device signing in. All new device sign in notification emails came from my devices. 

I contacted Chime immediately. They said they would open a case, but could not immediately refund my money. I would greatly appreciate if you could look into this matter, and get me my {$11000.00} back as soon as possible.
Consumer complaint received 2019-05-28
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. (CA)

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. 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 2022-10-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NV)

This is a two-fold issue, I will address these separately below : 1 ) Collecting a Time Barred Debt : In XX/XX/2022, while looking for information about a similarly named family member on the XXXX website, my wife discovered what appeared to be an open case against me with our local court. We had no knowledge of this case having never received a summons or any other communication regarding this XXXX XXXX XXXX case. On XX/XX/2022 my wife called the debt collector involved, XXXX XXXX XXXX, to resolve the issue NOT KNOWING OR BEING ADVISED that this was now a time barred debt that we could not be sued for. At no time during her conversation with the XXXX XXXX representative was she informed of this and that by speaking with this representative she was actually restarting the clock on this old debt. 

2 ) Reneging on Agreement : During the conversation with this representative, a financial agreement was made and my wife was informed that as soon as the agreed upon amount was paid, a Satisfaction would be sent to the Court. On XX/XX/2022 we received an email confirmation from this representative. 

On XX/XX/2022 the agreed upon amount of {$320.00} was made via phone to XXXX XXXX. This was posted to my wife 's bank account in the form of an ACH check on XXXX XXXX. 

On XX/XX/2022 my wife emailed the representative informing her that the case was still showing as open on the XXXX website and asking to have it updated as per the Agreement. 

No response was received. On XX/XX/2022 my wife sent another email to " XXXX '' regarding the above. No response has been received and as of today, XX/XX/2022 the case is still showing as open.
Consumer complaint received 2022-10-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP (NV)

This is a two-fold issue, I will address these separately below : 1 ) Collecting a Time Barred Debt : In XX/XX/2022, while looking for information about a similarly named family member on the ClarkCountyNV.gov website, my wife discovered what appeared to be an open case against me with our local court. We had no knowledge of this case having never received a summons or any other communication regarding this XXXX XXXX XXXX case. On XX/XX/2022 my wife called the debt collector involved, Rausch Sturm LLP, to resolve the issue NOT KNOWING OR BEING ADVISED that this was now a time barred debt that we could not be sued for. At no time during her conversation with the Rausch Sturm representative was she informed of this and that by speaking with this representative she was actually restarting the clock on this old debt. 

2 ) Reneging on Agreement : During the conversation with this representative, a financial agreement was made and my wife was informed that as soon as the agreed upon amount was paid, a Satisfaction would be sent to the Court. On XX/XX/2022 we received an email confirmation from this representative. 

On XX/XX/2022 the agreed upon amount of {$320.00} was made via phone to Rausch Sturm. This was posted to my wife 's bank account in the form of an ACH check on XXXX XXXX. 

On XX/XX/2022 my wife emailed the representative informing her that the case was still showing as open on the ClarkCountyNV.gov website and asking to have it updated as per the Agreement. 

No response was received. On XX/XX/2022 my wife sent another email to " XXXX '' regarding the above. No response has been received and as of today, XX/XX/2022 the case is still showing as open.
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (FL)

I have received several notices from University XXXX XXXX XXXX and several of its debt collectors. I do not owe the money, and I have requested written confirmation, which has NEVER been provided to me. I disputed this debt within a week of being contacted ( 3 years ago ). When I ask for proof, they never sent it, and just keep sending letters indicating I owe the debt. 

I have never attended XXXX, nor did I enter into any agreement where I would owe money. I literally have no idea why they think I owe the money. The reason they have given me for not providing written proof is that they updated their system, and can no longer access it. 

I also received a call from a debt collector approx a month ago. On that call, I asked for proof of the debt. The debt collector said he would, but nothing has ever been sent. 

I have asked them to stop contacting me, and they refuse. I most recently received a letter from Williams & Fudge indicating I owe them {$250.00}. How do I get them to stop?
Consumer complaint received 2022-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC (VA)

On XXXX XX/XX/XXXX, I ordered 3 doors for the amount of {$22000.00} from XXXX XXXX XXXX. No doors have been delivered or installed. 
I've had multiple concerns. 

My most recent concern involves XXXX XXXX XXXX ' claim that I consented to enter contracts via electronic signatures. 

On XXXX XX/XX/XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX sent a consent letter which she claims I had signed on XX/XX/XXXX. 
But the document is dated XXXX XX/XX/XXXX and it does not have my signature. ( Please see attached document 1 ). 
XXXX XXXX 's email concludes with a threat that if I cancel the purchase order, I will be liable for {$4000.00} to Greensky from whom a loan has been authorized on my behalf. 

I advised GreenSky that according to Virginia law 59.1-483b, an agreement to conduct a transaction electronically may not be inferred solely from the fact that a party has used electronic means to register a purchase order and that according to the law, this subsection " may not be varied by agreement ''. Meaning affirmative consent to conduct business electronically may not be omitted. 

GreenSky responded on XXXX XX/XX/XXXX, asking " what is it that you are wanting from GreenSky, '' and eventually that I " follow up directly with the merchant regarding this matter. '' ( Please see attached document 2. ) CFPB XXXX XXXX XXXX XXXX. XXXX requires GreenSky to " review and analyze complaints ... for the purpose of identifying trends ... and XXXX potentially involved in unauthorized loans and related unauthorized transactions. '' In this instance, GreenSky has violated that order.
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (NY)

I contacted Affirm in XXXX of 2022 because I received emails about an account that I did not set up or authorize. I also mentioned to Affirm that the account was fraudulent and no payments were ever made or received from any credit cards or bank cards or bank accounts associated with my name. They didnt resolve the matter & told me I was responsible although I never made any payments on the account, as I couldnt because I never made the account. I explained that the affirm account isnt linked to any of my bank cards as a method of payment so I dont understand how a victim of identity theft is responsible for the payments.
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

For the last three months, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been trying to get my mortgage company, Dovenmuehle, to consent to an easement across my property at XXXX XXXX XXXX, XXXX, Texas XXXX. The easement will not affect the use of my property as it is mainly under the road leading to the main property. Once Dovenmuehle found out that XXXX was paying me for the easement, they have demanded a payment against the principle of my mortgage. I only owe {$140000.00} against a property valued at over {$400000.00} but Dovenmuehle is now demanding {$20000.00} be paid prior to closing XXXX closing can not happen till they sign the consent ). They originally claimed the XXXX was demanding {$39000.00} be paid against the principle but have since offered to " settle '' for {$20000.00}. I do not have {$20000.00} to pay them, so we are at an impasse. The XXXX XXXX XXXX agent handling the easement acquisition has never heard of such a demand. If XXXX truly requires such a payment, why won't they accept payment upon closing? I feel like I'm being extorted for {$20000.00} for a consent that is costing Dovenmuehle nothing.
Consumer complaint received 2019-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

When I was renting a house my credit was pulled and I found out that Hunter Warfield, a collection Agency, had report that I owed them {$5100.00} in XXXX and {$5100.00} in XXXX  and XXXX XXXX. They had XXXX XXXX XXXX XXXX ( XXXX ) as the original creditor. 

I do not owe this alleged debt. They and XXXX had never tried to collect this from me nor notified me about this debt. 

In XX/XX/2018, I disputed the debt with Hunter Warfield, through certified mail with return delivery ( usps.com tracking # XXXX ), asking them to validate the debt because I do not owe this alleged debt. Returned cert, received showed that Hunter Warfield received my validation disputed mail on XX/XX/2018 at XXXX XXXX. But Hunter Warfield never responded and never validated the debt as required but kept reporting the debt in all 3 credit reporting agencies.

According to Fair Credit reporting Act ( FCRA & also FDCPA ), debt must be validated with 30 days after they receive my notice to validate. According to these Federal Credit Laws not validating the debt is an indication they are admitting what they are reporting is not true, false and/or fraudulous. The debt was then un-validatable and reported in error. The debt report was inaccurate and in error.

These Federal Credit Laws Stated that they must remove and delete inaccurate, false and error report from my credit record immediately. 

According to FCRA and FDCPA my credit record must be free from error and reported accurately and complete. 

Actually I did not even owe XXXX. They still had {$420.00} of my money to date. 

I want Hunter Warfield and XXXX to delete this un-validated alleged debt and inaccurate and false information from my credit record with all Credit Reporting Agencies immediately in accordance to the Federal Credit Laws, ACRA and FDCPA. And notify me when these inaccurate, false and error information are remove and deleted from my credit record. It has passed the required 30 day. It has even passed 150 days with no validation of the debt.