davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
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: DISCOVER BANK (CA)

I have a Discover card and got an unfair late payment report on my credit report. 

In XX/XX/2018, I noticed that my Discover card payment was late when I logged in my online account. I was surprised because I had automatic payment setup, but was able to update my payment bank account and fix the problem. However, Discover didnt tell me that the reason for my failed payment until the second failed payment after I chose to pay the balance immediately. I learned that my XXXX  XXXX XXXX account was closed due to inactivity. 

I called Discover card customer service and was told that I updated my automatic payment using my XXXX checking account that there should not be a late payment credit report. However, I was surprised again by my credit report again later in XX/XX/2018 because of a 30 day past due. 

I have never stopped fighting the issue. I called last week and learned that from the customer service that theres no record of my late payment, but 2 late  payment instead, and Discover does not report late payment unless its 60 day past due. 

I have communicated multiple times with Discover using their secure messaging system and got inconsistent replies, found their customer supports dont well comprehend their products and rules. 

Now, I think the passive way, emailing, Discover notices customers account issues is direct targeting on servicemembers because Discover doesnt try their best effort to perform their part of the agreementinform customers about late payment and servicemembers may be in training or missions where they can not access their emails. 

And, when I saw my first payment, I, like any average person, would pay the balance right away to avoid a late fee and late payment credit report. And that was a trap to pay a return check fee again as they didnt warn you that it probably would fail again and you should check your automatic payment. 

Furthermore, Discover uses automatic payment system takes advantage on people, who trust the system because I was told I was not past due since I updated my automatic payment when I called the customer service the first time, but in fact, the system considered I was late on a payment and report it automatically. 

Additionally, Discover have failed to deliver the service agreements for years and the Discover Card Account Terms ( PDF ) can not be viewed or downloaded from my logged in account on Discover website. ( Figure 1,2 ) And I just send Discover a message about the issue this morning and hope they can fix it. 

I had never late for any payment and had XXXX FICO score ( Figure 3 ) before this happened. I am an XXXX veteran, always have difficulty receiving mail from Discover while in the military, have never received any call from Discover, believe Discover took unfair advantage on me while I transitioned from military to civilian.
Consumer complaint received 2019-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (TX)

I paid for a cab ride with my credit card and Square Inc saved my email and linked it to my credit card. I used my emails years ago paying for a transaction and did not agree for them to store my information and transmit it to different transactions.
Consumer complaint received 2015-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MA)

XXXX was the defendant in a Class Action Lawsuit several years ago https : XXXXThe short story on the case is : XXXX was processing checks presented before the deposits were credited, causing XXXX of overdraft fees. Then if that was n't enough Citizens " sold '' all the fake debt to a " Third Party '' collection agency ( Convergent Outsourcing Inc XXXX ) who now appears on all XXXX of my credit reports.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Currently, under Texas state law, one must pay a {$10.00} fee to either freeze or lift a freeze on a credit file. 

Given the massive breach we have seen at XXXX, freezing a credit file seems to be a reasonable short-term solution to prevent fraudulent credit accounts being opened. However, this exercise would cost a person at least {$30.00} to do so in Texas. In addition, were one required to lift this freeze for a genuine reason such as a credit application or a employment screening, one would have to pay an additional {$10.00} to {$30.00} to do so ; followed by a freeze again ; which again costs money. 

As a taxpayer, I 'm outraged that I have to pay such arbitrary fees. In addition, the freeze process takes 5 business days while the lift freeze process takes 3 business days. 

In today 's technological age, there should be no reason why the credit reporting companies can not make the freeze/lift freeze option both instantaneous and free. The cost of the technical changes to be made will be minuscule compared to the revenue being earned by these companies. The fee is purely a money-grab and an abhorrent practice. As a consumer, I should have control over my credit information and the right to keep it private. 

I urge the CFPB to enforce a code requiring credit freeze/lift be made available for free and instantaneous. In the absence of CFPB being unable to enforce such a code, I urge it to recommend to Congress that such a law be passed at the federal level. The benefits of this to consumers will be enormous.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

I contacted Citi as I believe I inadvertently applied for a credit card while servicing my existing account and received an inquiry dated XX/XX/2022 from Citi. I contacted customer service and they communicated that they do not see anything regarding an application or an additional card.
Consumer complaint received 2015-08-10
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE (FL)

I opened a credit card with Barclaycard Finance in XX/XX/2014 and I purchased a laptop from XXXX. In addition, I purchased little things over the last 18 months. I signed up for e-bills and I do n't use anything but their mobile application. When I log in to see my statements, there are no alerts or anything on their mobile application - just the transaction history. I called the other day and asked if I was on a 18 or 24 month promotional because I could n't remember and I had not received any alerts on the mobile site. When I called, she informed me that my promotional acctually expired and I am about get over {$700.00} in deferred interest. I asked how much of my balance was left and she informed my it was around {$1600.00}. My original purchase was about {$1600.00}. So, for 18 months, all my payments were going to the little purchases made instead of my promotional balances. The extra charges that I made on the credit card were no more than $ XXXX ( bare minimum finance charges that would bill ). I am highly upset by this. I would have rather the little $ XXXX {$5.00} finance charges billed than be billed over {$700.00}. I thought this type of payment hierarchy was against the law, guess not. I guess their take is - Better take care of the little finance charges and bill the customer the big deferred interest and ruin their credit as it will take them over their credit limit.
Consumer complaint received 2019-05-15
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: SYNCHRONY FINANCIAL (NY)

During this time I had my account, the economy crashed, we were devastated by Hurricane Sandy, lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments.My credit was greatly effected from these events including XXXX as my husband is in the finance industry and was working in the city when the towers came down. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situation. It is reaching the statute of limitations. I am hopeful that you are understanding that the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of five to recover and remove this account from all three report. 
I do not think this company is still in business
Consumer complaint received 2022-01-03
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. (MD)

Ive submitted numerous disputes challenging the accuracy of the furnishing on my consumer credit file with all three major credit reporting agencies and i'm getting ignoring. Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ) consumer reporting agencies are suppose to report all accurate information and there shouldn't be a difference in any major credit reporting agency. Pursuant to 15 USC 1681b of the Fair Credit Reporting Act which governs all credit reporting agencies I demand these account listed in the documents attached be remove from my credit file. Failure to do so will result in civil and criminal fines pursuant to the Fair Credit Reporting Act 15 USC 1681n for willful noncompliance.
Consumer complaint received 2022-01-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NJ)

On XX/XX/XXXX I canceled all automated payments and received confirmation of the cancellation via email. 

On XX/XX/XXXX I was once again charged on a billing cycle I did not authorize when the bill was not due until mid XX/XX/XXXX. 

The unauthorized payment was not fulfilled by the bank and now XXXX is charging returned payment fees on a payment that was never authorized.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I have never been a customer with them. So I couldnt contact them but I kept disputing the charges and it keeps showing back. It has been hurting me in so many ways especially financially. My score I work so hard for keeps going down by so many points every time.
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NC)

On XX/XX/2021 I sent {$1100.00} from one cashapp account I have associated with one phone number and bank account to a second cashapp account associated with a different phone number and bank account. For some reason I could not access the account to retrieve my funds. After over XXXX hours of in app support, several emails and attempts to contact by phone Cashapp representatives are telling me that I can not retrieve my money due to security. No one can tell me what security, no one can tell me where my money is, and there is apparently no escalation process. I do not understand how my money is being kept by this app and I have no recourse to recover it. Is this organization, owned by Square, not regulated?
Consumer complaint received 2016-07-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (TX)

On XXXX/XXXX/2016 I got ac unit from conns on credit but come to find out its to big for my window so XXXX/XXXX/2016 took it back for exchange for a smaller one but they would n't exchange so I left it there. All I wanted was exchange. I even called the main office no good even calling them.Now I want it off my credit all together. Why should I have to be forced to take something that to big.All I wanted was exchange. Please help me have this removed from my credit.
Consumer complaint received 2022-01-03
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: Nelnet, Inc. (FL)

I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' some report. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT to the following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S NELNET, AND XXXX XXXX XXXXXXXX XXXX XXXX XXXX have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.
Consumer complaint received 2024-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

After several months and previous CFPB complaints I am still struggling to get my auto-pay enrollment processed by my servicer, EdFinancial. 

After struggling to communicate via chatbot ( was hung up on twice by the support staff at the start of our conversations ) and got an error code consistently in trying to use the email customer service form, I finally got someone from their team on the phone. 

I have attached a screenshot of what I see in my account but all service reps say that payments are not due until XXXX and are at {$99.00} not XXXX at {$0.00}. The blue box text led me to reach out to support today because it led me to believe my auto-pay had been processed. That is why I called only to learn my auto-pay has not been processed. 

Today I learned that my auto-pay enrollment was not being processed because I have been paying more than the minimum required amount during my monthly payments. There is no communication anywhere from the servicer that tells borrowers that paying more than the minimum requirement will keep their autopay enrollment from being processed. 

Today I was instructed to stop overpaying. Let my XXXX deadline go past, and wait until XXXX- pay just the minimum amount in XXXX. And then my autopay would likely go through after that. 

EdFinancial is willfully keeping borrowers in a state of confusion by not providing clear instructions about minimum payments and manual payments and auto-pay confirmation. This makes it slower to pay off our loans and we are punished for being responsible and attempting to pay off our loans sooner by paying a little extra each month. They are actively making it more difficult to pay back my loans. 

I have been through several customer service calls since i originally enrolled in auto-pay in XXXX of XXXX, including this call today XX/XX/XXXX before finally received this information that would have made my processing faster. 

Today I asked for written instructions about these next steps ( missing XXXX deadline, paying the minimum in XXXX, waiting for auto-pay after that ) after the phone conversation so I could keep a record and do everything correctly in a few months when my XXXX deadline arrives. They refused my request for written record of the conversation. They said calls are recorded but when I asked if the next person I spoke to would be able to pull up today 's recording in order to confirm the instructions I'd been given the customer service person refused to say where recordings go and what records are on my account. My servicer actively said " we don't communicate with borrowers '' during this conversation. 

Please terminate your contract with EdFinancial or immediately ask them to make clear and thorough instructions for their policies, and create policies that are neutral at least, that don't harm borrowers and punish them for trying to responsibly pay back their debt.
Consumer complaint received 2022-01-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Express Collections, Inc. (TX)

I Originally contacted Express Collection agency after seeing the account on my credit report I ask them to validate the debt exhibit A letter sent to them on XX/XX/2021 I Received a copy of a contract from a creditor I reached out the creditor they sent letter staying referenced account has been acquired by XXXX XXXX XXXX not Express collection I demand that they remove this account from my credit admittedly cause there in violation of Validation of Debts 15 U.S.C. 1692g
Consumer complaint received 2019-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cascade Capital, LLC (TX)

Cascade Capital has repeatedly attempted to collect medical debts that do not belong to me through various collection agencies, the current one being XXXX XXXX. I have requested debt validation through the collection agencies and have only received one page -- a printout from a computer ledger that does not fulfill the validation requirements. Based on the information provided by a collection agency, I have determined that the accounts in question were opened in my name as a result of identity theft. My identity was stolen in numerous breaches of the credit reporting agencies as well as XXXX. I notified Cascade Capital of this information via certified mail, return receipt requested. They received the notice but have failed to act. Their agent, XXXX XXXX, continues to report inaccurate information to all three credit reporting agencies. Furthermore, XXXX XXXX has failed to validate the debt as required by law. Cascade Capital continues to allow this inaccurate information to be reported.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (MD)

I filled a dispute on fraudulent charges made on my card on XX/XX/19 for {$2000.00} and within a few days Citi gave me a temporary credit as they investigated the charges. I was relived that Citi resolved the issue so quickly and quickly forgot about the whole thing until one day a Citi rep called me and asked me to send in my I.D . via their secure messaging system. So I did that and then quickly forgot about the whole ordeal for a while. A few weeks later I get a letter in the mail saying that " we need to speak to you or your chargebacks may be reversed ''. I thought that this must be a mistake because I had already sent in my ID and I haven't gotten any calls from Citi asking for more information. A few more weeks past and I login to my Citi app one day to find the horror that I owe a huge balance because the chargebacks have been reversed. I try to call Citi twice about this but they keep on telling me that their fraud department is closed. Im sick of wasting time trying to get through only to have to argue with reps over these fraudulent charges on my account
Consumer complaint received 2019-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute with TransUnion on XX/XX/2019. I sent a follow-up letter to TransUnion via certified mail because I had not received any updates on the dispute. On XX/XX/2019, TransUnion sent a letter stating the dispute that I submitted was illegible. They suggested I type the dispute and resubmit it. The original dispute WAS typed and included proof of my identification, which they also stated that they needed. This is simply an attempt by TransUnion to avoid investigation of a dispute within the allotted 30-day time  limit.
Consumer complaint received 2022-01-03
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. (TX)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXXXXXX XX/XX/XXXX {$14000.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2019-07-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

Tranferwise deactivated my account and cancelled all the transactions that were in the amount of {$660.00} {$990.00} {$990.00} {$990.00} {$1300.00} That is total of {$4900.00} taken out of my account. When i call customer service they tell me we didn't take any money nothing was taken out of your account so there will be no refund. I am going crazy since a week calling customer service over and over again all i get to know is we dont owe you anything there is no refund coming. 
I have attached my bank transaction that completely shows money is taken out. They are just scam trying to take money fraudulently. Easiest way for them is to take money from bank and then deactivate tranferwise account saying we don't owe you anything.
Consumer complaint received 2021-12-31
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: Experian Information Solutions Inc. (NY)

on my recent Dispute with the Experian on XX/XX/2021 requesting proof showing that the account that is being reported on my credit report by XXXX is accurate. Which they have 15 days to do so I did not receive any document from Credit Bureau Experian showing how they had verified the reporting by the Creditor XXXX. Experian have failed to adhere to guidelines put in place to protect accurate reporting at all times. I reported this to CFPB on XX/XX/2021 when Experian responded by sending result, they said verified with submitting what I requested.