davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-26
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Infinity Capital Group (CA)

XX/XX/XXXXXXXX XXXX, California. XXXXXXXXConsumer Loan InvestigationTo whom it may concern, When you are ready to review the documents for this loan, we will mail copies upon your request. These loan documents have a timeline from XXXX XXXX through XXXX XXXX. Last monthly payment XXXX XXXX, XXXX the XXXX XXXX loan documents, written communications with loan company, and dealer information are available for review. There are XXXX loan purchase documents for this vehicle. XXXX for the loan company and XXXX for the dealership. A XXXX statement of the amount of this loan was sent by mail with a different amount owed. This vehicle loan was paid off in full on XXXX XXXX, XXXX the total amount due was XXXX the loan company stated that a check in the amount of XXXX was required to pay off the loan as there was additional charges. A check was written and mailed to the loan company with a letter requesting that upon receipt of final payment to contact parties and respond with a written reply of receipt and forwarding of documentation to parties. As of the date of this letter ICG FIN FUND LP aka 101 Auto Funding XXXX XXXX XXXX XXXX XXXX, California have not sent a confirmation. We have contacted parties by phone On XXXX XXXX, XXXX and XXXX XXXX, XXXX and spoke with XXXX XXXX who stated that she did receive the letter and check on XXXX XXXX, XXXX posted to the account XXXX XXXX, XXXX deposited to the bank on the XXXX XXXX, XXXX. As well as processing the XXXX notification to clear title of vehicle and that XXXX XXXX should receive a copy in the mail. XXXX XXXX again requested written notification of the receipt from XXXX XXXX by phone and she stated that she would send an email to XXXXXXXXXXXX to confirm that she did receive the documents required to pay off loan. XXXX XXXX has not received an email as requested. XXXX XXXX has not received the title signed off by lien holder in the mail to transfer to the XXXX. The California twenty day requirement of receipt of documents has not been adhered to by the loan company. XXXX XXXX, XXXX a request for the title signed by 101 Auto Funding LLC releasing their right of lien on the vehicle was sent certified return receipt XXXX. XXXX XXXX XXXX XXXX. This was recommended by the XXXX as they have no notification on record. If there is any other information that you require please contact at the email above or call XXXX please leave a phone number and contact person and I will return your call. 

XXXX issue is the company XXXX requesting that they be paid on this loan after they were informed on XXXX XXXX, XXXX and XXXX XXXX, XXXX by written notice as well as phone conversations regarding the matter and were informed to contact the true lien holder 101 Auto Funding LLC XXXX XXXX regarding any questions they might have, as their purchase of the loan was invalid. And this loan was paid in full. This company still believes that they are entitled to the loan on this vehicle and are moving forward with attempts to collect the loan or the vehicle.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (LA)

I have an issue with our account that was for a promotional purchase in XX/XX/2019. I was approved for promotional pricing ( 36 months zero interest ) through this credit agency as a 3rd party through my air conditioning company. There was no indication of any fees added beyond our promotional price. The cards were never even activated or used beyond the purchase made to this company. I applied via the application online provided by the air condition company and got instant approval. I did not receive any indication that we were being charged another fee. As you can see from the attached email from the AC representative, it is not something they can even offer during the application process according to their Synchrony rep. We were approved for {$9400.00} but were only charged for the unit at {$7700.00}. Due to an added " Card Security Fee '' that we DID NOT sign up for, we have paid well over that amount within the the 36 months promotion. They are also saying we owe {$1500.00} in fees and interest on this card security charge. Apparently, we were signed up for a card security plan that we did not opt in and then charged interest on top of it. According to my records, we have paid {$9700.00} and instead of our promotion being paid off, it was being applied to interest and fees we were not supposed to incur. At this point, I have spoken to 5 representatives both electronically and over the phone and each one has told me something different. I have been told that they can not send us our original loan agreement because it violates their policy. I have been told that the loan agreement was sent, but we never received it. I have been told by the representative for the air condition company that they do not automatically add card security and I have been told by the Synchrony employee that they do, in fact, add it in the application process. Also, opting into e-statements is added as a perk when in actuality it is more smoke and mirrors to conceal further predatory loan practices by concealing fees and services when e-statements are limited to only 24 months online and not making loan agreements available. When viewing the loan information online for the balance of the promotion, it appears that there is no interest being charged. You must look at a detailed statement to see the additional fees being snuck in. In 36 months we never missed a payment, even during a pandemic. Yet, we are being punished by their own predatory measures to ensure they collect their fees. When setting our account to autopay a payment for 36 months, we put trust in your credit company that our promotion would be met on time and within the terms we agreed. Thank you for your cooperation.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Capstone Credit & Collection, LLC. (FL)

i just recently looked on my credit report and seen a whole bunch of loans and accounts oppened in my name with out my permission and knowledge of it, one back in XX/XX/XXXX i was actually in XXXX at the time and get out XX/XX/XXXX another one in XX/XX/XXXX that i didnt know about i knew about only one thing which was a light bill that i helped my step father out with
Consumer complaint received 2022-10-16
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. (GA)

XX/XX/2022 In XXXX of 2022 I applied for credit with XXXX XXXX. I was denied credit and on XX/XX/202 I asked them to reconsider because of Equifaxs well known reporting problems. 

It appears that XXXX XXXX ran my credit without my permission on XX/XX/2022 and I did not give them permission to run my credit. 

Over the past 40 days +, I have filed several complaints with XXXX XXXX and Equifax with no resolution. 

The original CFPB complaint # XXXX was an attempt to correct the record. I told XXXX that they had run my credit a second time within their 30-day grace period. This grace period was explained by XXXX that they do not run credit twice within a 30-day window where it applied to the original inquiry. I told the XXXX executive that my credit was in fact run a second time in the 30-day window. XXXX told me that it did not show on their files and told me that I should question Equifax and the 2 would resolve it. A copy of my Equifax inquiry record is attached. 

After I submitted complaints to Equifax over 5 times in the past month ; with no resolution, I am coming back to CFPB to resolve this complaint. I called XXXX and got nowhere. It seems that XXXX XXXX and Equifax are incapable of resolving this. 

I have attached some of the responses that I got from Equifax in the hope that when you share this with them, that they will get it. 

Additionally, complaints that I have filed against Equifax are taking 30+ days and still have not been resolved. 

Herein, I list the complaints related to XXXX XXXX and Equifax : XXXX XXXX XXXX XXXX Perhaps, this time it will get resolved. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (SC)

I am a member of credit karma, I saw that I was eligible for credit cards due to my credit ( pre approved ) I signed up for the cards then got a email saying I could not get them due to my credit which credit karma was advertising then to me, which resulted in my credit decreasing more due to trying to get the cards they said I was pre approved for. I think they are doing false advertising and causing people to try to get them.
Consumer complaint received 2022-09-08
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. (TX)

I submitted a complaint XXXX on XX/XX/XXXX as far as hard inquires on my credit file without my consent. Equifax conducted their investigation and the company response was that all hard inquires listed in my complaint would be deleted from my credit file. All the hard inquires were not deleted. 8 hard inquires remain. I checked my credit report multiple times after the company response to ensure the inquires were deleted from my credit file and they were not. I called XX/XX/XXXX and spoke to a representative from the fraud department and I was told the remaining inquires were deleted by her and gave me a confirmation number of XXXX. I called XX/XX/XXXX the Equifax fraud department again after seeing the inquires were still not deleted and spoke to a supervisor and he declined to delete the inquires even with seeing the cfpb complaint as documentation. He told me I would have to resubmit a complaint. The fact that Equifax listed each hard inquiry individually stating each would be deleted means the company falsified documents to a federal agency. 

The hard inquires that remain and need to be deleted are * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX XXXX
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Clarity Services (IL)

This company called Clarity has obtained my social security number and submitted repeated inquries that are showing up on my XXXX report and making it hard for me to open a bank account. I have never given this company permission to do anything. I want all inquiries from this company removed from XXXX.
Consumer complaint received 2016-03-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TCF NATIONAL BANK (AZ)

case # XXXX Lender made a direct false statement and committed and action against the statement they made as below " quoted from Gateway 1 '' please see below in quotes ; " Please note that Gateway has already submitted a request to the consumer reporting agencies that your account be reflected as in dispute. In addition, Gateway has ceased all collection activity associated with your account as we attempt to resolve the situation with the dealership in question. '' Gateway 1 has made the " claim '' that in addition to reporting my case to credit bureaus as in dispute, that Gateway 1 would, " in addition cease " all '' collection activity associated with my account. '' Well, that 's proven to be a blatant lie, and false statement, as they have not only not ceased collection activity, they 've acted on collection activity by physically " repossessing '' my vehicle on private property and allowing extortion activities to commence by the company that repossessed my vehicle. Company name that repossessed my vehicle is XXXX XXXX XXXX. I had to call the policing authorities to stop the extortion activity of XXXX XXXX XXXX. 
My case in point is, this Lender continues to make false claims, continues to deny my resolution to return my money and losses due to a Predatory Loan initiated by them, the lender continues to neglect sending me written notices via mail of any proceedings, actions, resolutions, resolved, findings of investigations of my victimization, cooperation of any kind. Gateway 1 has done nothing but continue to purposefully lay a heavy burden on me as a victim of a crime and they continue to deny assistance in a loan they initiated, undertook in their discretion without doing their due diligence on the collateral they issued payment for in form a loan, and are now putting 110 % of their " mistake '' and " incompetence '' as a lender licensed, on a Victimized consumer, myself, XXXX XXXX.
Consumer complaint received 2016-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have accounts reporting on my credit report that I did n't do or get. My name is very common and the local police department explained that the best route would be to call the bureaus and another government agency I think this one but it was called something else. I have a judgement for an auto? and child support? very frustrated with myself for not keeping up with this stuff.. did n't think i had to. I 've sent the bureaus dispute letters but there has n't been any real traction. This is affecting my personal life and the more time that passes the more XXXX i 'm getting. I have followed the specific instructions on the website showing what to do and i uploaded it. I can give you letters sent and receipts.
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AL)

The credit report listed an item : XXXX Serious delinquency. When I contacted consumer finance, the agent said that XXXX XXXX XXXX reported I was delinquent on several credit card payments. I contacted XXXX XXXX XXXX and they said that they only had a checking and savings account under my name on file. Both of these accounts were closed years ago and they do not have record of me having a credit card with them. They said they could check archives, but because all of my accounts are now closed, they should not be reported as delinquent in any credit reports.
Consumer complaint received 2022-09-08
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. (FL)

Dear Sir or Madam : I am a victim of identity theft. The informations listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
( XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX, XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX - XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX )
Consumer complaint received 2021-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.
Consumer complaint received 2022-10-28
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: United Group Inc. (OR)

On XX/XX/22 United Finance pulled a hard inquiry on my credit report. I have never at any point in time authorized them to run my credit report for any purpose, they are doing so fraudulently.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WI)

There are a few things, applying payments and fees associated with them not applying my payment. As well, I never received anything telling me my due date so paid the card with Synchrony Bank as I did my other account, for the first of the month. I also have no idea what my interest rate is. 
On XX/XX/XXXX I received a reminder to pay my XXXX account with Synchrony and found that odd as I had done it. I logged in to see there was no payment applied. however, the payment was debited from my checking account. Synchrony applied the payment for XXXX to Care Credit, resulting in 2 payments to Care Credit and none to XXXX. when I contacted them they said they would look into it. I sent them proof yet they still notified me that they could not verify the payment. 
I also complained about not receiving anything telling me what my due date was and that I just made my monthly payments, only to discover they were applying late fees every month except for the first payment - guess I just got lucky. 
However, after I complained, they then lowered my credit limit, and not that it matters as I will be paying off that account and closing it, but it appears retaliatory. This has been going on for over 1 month
Consumer complaint received 2022-09-08
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. (SC)

XXXX, EQUIFAX, AND XXXX ALL RESPONDED TO MY REQUEST TO VALIDATE AND VERIFY CERTAIN ACCOUNTS ON MY CREDIT REPORT TO MAKE SURE THEY WERE 100 PERCENT ACCURATE. XXXX RESPONDED ON XX/XX/2022, EQUIFAX RESPONDED ON XX/XX/2022 AND XXXX RESPONDED ON XX/XX/2022. ALL 3 CREDIT BUREAUS STATED THAT THE ACCOUNTS WERE INVESTIGATED, VERIFIED, AND 100 PERCENT ACCURATE. 

BUT HOW IS THIS POSSIBLE IF THE ACCOUNTS HAVE DIFFERENT OPEN DATES WHICH ARE ALL INCORRECT, THE DATE LAST ACTIVE IS INCORRECT AND THE DATE LAST REPORTED IS INCORRECT? THIS IS GROUNDS FOR REMOVAL BECAUSE IT IS PROOF THAT AN INVESTIGATION WAS NOT CONDUCTED PROPERLY AND THE INFORMATION IS NOT 100 PERCENT ACCURATE PER THE LAW. 

THEY HAVE ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 604 A SECTION 2 : WHICH CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

I HAVEN'T GIVEN THESE COMPANIES WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL. 

THE FOLLOWING ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY : XXXX : XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' XXXX : XXXX XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' XXXX : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( EQUIFAX ) AND ACCOUNT # XXXX. ( REPORTED TO DIFFERENT ACCOUNT NUMBERS ) I HAVE ALSO ATTACHED PICTURES OF MY CURRENT CREDIT REPORT SUPPORTING MY CLAIM AGAINST THESE CREDIT BUREAUS.
Consumer complaint received 2015-11-24
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: U.S. BANCORP (GA)

I was given XXXX ( XXXX ) XXXX gift cards ( {$50.00} each ). The front of the packaging indicates that the cards were valid through XX/XX/2020. On the back of the card there is verbiage that " U.S. Bank will deduct from your balance an inactivity fee of {$2.00} per month after 12 consecutive months of inactivity ... '' What I did not realize and which I believe is intentionally unclear is that the cards were " ticking '' from the time the person who gifted me bought them. I do not know how long my donor had them ; I tucked them away to use for some future special purchase, confident in the 2020 expiration date. Recently I was ready to make that " special purchase '' and was surprised to find that the cards could not be used because their value had been whittled away to {$8.00} each because of inactivity fees! I was able to get only {$24.00} restored to each card by working with U.S. Bank ( their records supposedly only go back one year ( XXXX x {$2.00} = {$24.00} ). I truly believe that the packaging of these particular gift cards is intended to be vague so that neither the donor or the recipient is aware that " time is of the essence ''. I truly thought that the $ XXXX monthly deduction would begin after the first time I used the card at a retail register. I have other gift cards that I have received, and none of them have these harsh conditions ( you can be sure I looked closely at that after this event ). It is fine with me if MC and U.S. Bank want to run their business by eroding the value of a gift card ( for which they have received their money ), but I do think that they should have to make it clear ( and abundantly so ) that their gift cards are diminishing in value second by second, minute by minute. " Use your card NOW or it could be worth very little or nothing in the near future '' should be emblazoned on the packaging.
Consumer complaint received 2021-09-25
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. (OH)

I am writing to dispute the following information that appears on my [ XXXX, Equifax, or XXXX ] consumer report : XXXX XXXX SS. XXXX DL XXXX After recently reviewing my credit report I notice several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX ) in the ( Balance ). It is your duty to ensure that all information reported is consistent a most importantly accurate and credit report agency failed to do so. I request DELETE this erroneous item immediately. That affect my credit am my self with out reason. Also am try to get my sold letter with my lender until XX/XX/2021 and they bring excuses still work in it. 

Dispute Account for Lenders or Institutions ( Inaccurate Reported ) - XXXX XXXX XXXX XXXX For the Following Reasons : Balance of {$4000.00} is Inaccurate Reported Paid as agreed on XX/XX/2021 Balance must be in XXXX account paid Sincerely, XXXX XXXX XXXX XXXX