davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-04-20
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC (TN)

Check into cash gave a loan to my ex husband on a vehicle I bought and paid for while the title read and not or for the names and I did not sign for it. They will not give me any information on it because it is in his name and I was to receive the vehicle in our divorce. They told me I needed to get a lawyer They could not give any information.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My account with ( XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-16
Product: Credit 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. (FL)

I am writing to file a formal complaint against Citibank regarding an unresolved chargeback request related to a transaction that occurred on XX/XX/year>. Despite my efforts to resolve this issue through Citibank 's billing disputes department, I have not received satisfactory assistance. The transaction in question involves an illegal business, and I have provided substantial proof to support my claim. 

Details of the Incident : I was initially quoted {$1500.00} on XX/XX/year> for a XXXX XXXX XXXX XXXX by XXXX XXXX, also known as XXXX XXXX, the sole practitioner of XXXX XXXX XXXX XXXX XXXXXXXX. However, {$2500.00} was charged to my credit card without my consent. The procedure failed to deliver the promised and advertised results, and I later discovered that XXXX XXXX is not licensed to perform these procedures. 

In fact, I discovered the procedure, practitioner, and business is operating without the proper licenses. According to Rule 61G5-18.00015 1 ( b ) of the Florida Administrative code, procedures such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which these were ) are beyond the scope of a XXXXXXXX license and require a medical license. The practitioner from the XXXX XXXX is not a licensed XXXX XXXX, or medical professional, violating state regulations. The business itself also does not appear to be properly registered as a XXXX XXXX XXXX XXXX  business. This unlawful practice has been reported to the Florida Attorney Generals Office, the Florida Department of Health, and the Florida Department of Business and Professional Regulation. Citibank was also notified of these details to aid in resolving the chargeback. 

Additionally, XXXX XXXX XXXX XXXX XXXX 's advertised policy states, " Our policy is that if there is no measurable and/or visible difference our clients do not get charged. '' Despite no visible or measurable improvement, this policy was violated, and I again informed Citibank of this policy, and provided proper proof of this advertised refund policy. Other customers have experienced similar issues and reported them on XXXX, this indicates a pattern of this business refusing to honor their own advertised policy, which constitutes a violation of Floridas Deceptive and Unfair Trade Practices. 

I have been a loyal Citibank customer for several years and have maintained an excellent credit history. I am concerned that this unauthorized transaction will impact my credit score, which I have worked diligently to uphold.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Sezzle Inc. (MO)

I have experienced some identity theft and this is a result of the theft that has taken place. The people committing the fraud opened this credit card in my name using a bank account also opened in my name. I have since closed the checking account and called and spoke with the company to report the card as open fraudulently. The company has not closed the account or flagged the account as fraud as I've requested. I added a fraud alert on my credit report to ensure the company was made aware again but they have not taken action to secure my account.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (VA)

These debts were told to me to be forgiven and yet they stay on my credit affecting me being able to get healthcare I need. A letter if hardship was sent to these companies. These circumstances were beyond my control. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MD)

I am filing a complaint with the CFPB regarding Citibanks advertising of the Citi XXXX XXXX specifically its inclusion of XXXX XXXX XXXX  as a benefit. Citibank advertises that the Citi XXXX XXXX includes Priority Pass Select, yet when I contacted Citibank for instructions on accessing this benefit, I was instructed to contact XXXX XXXX directly. However, when I contacted XXXX XXXX, they informed me that Citibank should provide the necessary information. 

This contradictory information leads me to believe that Citibank may be engaging in false advertising by claiming to offer a service they do not provide effectively. This situation has caused confusion and inconvenience as I am unable to access the XXXX XXXX XXXX benefit that was a significant factor in choosing this card. 

I would like the CFPB to investigate this matter to ensure compliance with consumer protection laws. Specifically, I believe this issue XXXX violate Section XXXX of the Federal Trade Commission XXXX, which prohibits unfair or deceptive acts or practices in commerce. 

Thank you for your attention to this matter.
Consumer complaint received 2024-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CCF Intermediate Holdings LLC (CA)

Well I applied for a loan. I am not sure when I applied. I was contacted and my loan was approved. Now he is telling me before I get the loan I need to boost my credit score. I am wired funds into my checking account and I am told to purchase gift cards. In this case XXXX XXXX XXXXXXXX XXXX I did this twice. The money sent to my account posts when the person does this he calls and tells me in order for me to get this boost on my credit score and to complete the application fulfillment I need to make these purchases. I attempted to text this person with my concerns and he texted me back threatening me with blacklisting and defrauding the company and having a warrant issued and jailing me. I am afraid and its always him depositing more money in my account to purchase gift cards. I have asked him about the concerns that I am having and he then tells me its government funds. And that everything is legitimate. I dont know what to do at this point. Please I need help
Consumer complaint received 2024-06-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (GA)

In XX/XX/XXXX, I became aware that a collections account was added to my credit reports with XXXX ( later, I learned it was also on my XXXX  account ) through " Sunrise Credit Services XXXX '' in the amount of approximately {$6000.00} for " XXXX XXXX ''. 

In XXXX, I had previously disputed with XXXX this same balance and original creditor through a different collections agency and had it removed from my account. 

Having never had XXXX XXXX, and knowing that I certainly do not owe XXXX {$6000.00}, I submitted another dispute with XXXX, and, once again, XXXX rightfully removed it from my credit report. 

So far, so good. 

In XX/XX/XXXX, I became aware that this account was also on my XXXX credit report. I filed a dispute with XXXX, including the bulk of the same information that I'd submitted with my XXXX disputes. On XX/XX/XXXX, XXXX notified me that my dispute had been resolved, and that my credit report had been " verified and updated. '' Imagine my surprise when the verification that XXXX provided included that the debt was legitimate. 

I want to make it clear that I do not believe that I am the victim of identity theft or even fraud, but believe that this account has been mistakenly associated with my name. I also want to make it clear that I do not owe XXXX any money, have never had XXXX XXXX XXXX, and have never received any notification from either the first collections agency or Sunrise Credit Services about their intent to collect on this debt. 

At this point, I fear that any contact with Sunrise will be tantamount to admitting that the debt is mine, and that is not my intention at all. This negative mark is the one and only negative mark I've ever received on my credit reports, and I work hard to ensure that my credit reports are truthful and positive. 

I also fear that even if this company removes their mark from my credit report, that this debt will be moved to the next collections agency and I'll be stuck in the same loop of filing a dispute with the credit bureaus indefinitely. 

I have uploaded the page from the XXXX dispute results letter I received that shows that " this item was DELETED from [ my ] credit report. '' Thank you for your help.
Consumer complaint received 2024-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (OH)

I received no notices from Capito Partners about this debt. I thought this had been resolved with XXXX XXXX XXXXXXXX, the original creditor, over a year ago. XXXX lacked the competence to bill my secondary insurance, which would have gladly paid them. They were given the secondary insurance information on two separate occasions. I only became aware of the problem when it appeared, out of the blue, on my credit report on XX/XX/year>. The total debt claim is for {$2800.00}.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (MA)

American Express sent me a notice increasing my interest rate by 5 basis points stating it was due to my XXXX score of XXXX. I have an excellent payment history. 

XXXX is a very good score and there is no justification or contractual provision that allows them to arbitrarily increase my interest rate. They offered no means of appeal. 

I am seeking for this decision to be reversed
Consumer complaint received 2024-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (MO)

I refinanced my home on XX/XX/XXXX. I called Pennymac on XX/XX/XXXX to ask when I should receive my final payment and was told that my account was reviewed on XX/XX/XXXX and that I should receive my check 5 to 10 business days after that. I called back on XX/XX/XXXX to ask why I had not received my final payment and wasnt really given an answer, but told that my check would be overnighted to me. I called again on XX/XX/XXXX because I still have not received my final payment and was told again that the check had not been processed but would be processed on XX/XX/XXXX and I would receive the check by XX/XX/XXXX. This is well past the 20 days Pennymac had to send the check and I still have not received it.
Consumer complaint received 2024-06-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (CA)

Received the below text. I do not now nor ever have owed any money to this company or the company they represent. This is fraud. 




Check out TrueAccord 's XXXX XXXX XXXX XXXXXXXX. XXXX & data rates may apply. # of msgs vary. Email XXXX for help. Reply STOP to opt-out. 
This is TrueAccord, a debt collector. Visit our website XXXX XXXX XXXX  to view your options for your balance. Reply STOP to opt out.
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

PayPal permanently limited my account suddenly for no apparent reason. Ive called and emailed them 7 times total and the only response I have heard is that the decision is final. I have tried to appeal it or escalate it to a manager and they say someone will contact me within XXXX hours but then no one ever does. I have never broken PayPals term of services or been given a reason for the closure of my account
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, a person impersonated a known person in my community by hacking their XXXX account, and pretended to sell me XXXX concert tickets via XXXX. They provided screenshot and video evidence that they had the tickets, and I had no reason to believe they were not who they said they were. After I made the payments ( the first for {$400.00} to make sure it worked, and then the rest for {$1200.00}, for a total of {$1600.00} ), I was immediately blocked. I learned that the community member of mine was hacked, and it was not her account. I filed claims with Wells Fargo, but they have denied them because the transfer was " authorized, '' despite it being fraud, and without looking at any of my evidence. I saw in an XXXX news article that the same thing happened with another Wells Fargo customer, and after she contacted the media, the bank returned her money. As a lifelong Wells Fargo customer, I am being treated differently, and they should uphold the same standard of protection for all loyal customers. ( Does it take going to media to get this treatment? ) I have spoken to Wells Fargo employees in the claims department, but still received no resolution.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This account below has violated my federally protected consumer rights and must be deleted for inaccuracy because it continues to report activity after the close date of XX/XX/2020, also this account shows a past due balance of {$1000.00} which is inaccurate. A closed/chargeoff account must NOT show a past due balance ( after it was charged-off with the XXXX  ) or show XXXX activity after the account closed date. 


XXXX Bank XXXX XXXX. # XXXX
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/year> I paid XXXX XXXX XXXX {$170.00} on Venmo, I did not receive any service, she scammed me. 

I disputed it on venmo, but it is useless, they are not refunding my money and asking me to work with the seller, well, if the seller was ready to give me a refund why will i file a dispute with Venmo Venmo has become a platform to do frauds and scams
Consumer complaint received 2024-06-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (IN)

I am very disappointed that the CFPB was unable to provide any help or assistance for the past XXXX years regarding the serious problems I have had trying to modify ny Wells Fargo home Mortgage. from the " XXXX XXXX straight through until the edn of XXXX XXXX, XXXX years. 
I have provided an education and a narrative of events, providing XXXX modification applications to Wells Fargo, without any results. 
All I have received back from CFPB is a mirroring back, as a parent does to a small child, from CFPB representatives. A complete and utter waste of my time. 
Wells Fargo has provided me is " we are looking into the matter '' and " we have provided results previously ''. 
A silly, uneducated person from Wells Fargo, with a fake name stated, " Someone has credited your account with {$30000.00}. It's up tyo you to find out who it is. '' Wells Fargo stated, " The {$3.00} XXXX XXXX is a XXXX XXXX, sorry. '' Don't take this an an insult, but my experience : the CFPB has been rendered Impotent.
Consumer complaint received 2024-06-17
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Bridge IT, Inc. (CA)

Hello, My namie is XXXX XXXX. I opened a credit managing account with Brigit. 

I requested to deactivate this total account as it wasnt a great fit for me as too how their services are represented to the consumer. 

I always check my checking account s and credit reports. I noticed after my request to deactivate my account. They still kept the access to my XXXX checking account and monitoring it. I asked then to delete my banking information, email and telephone number from this account. I dont want the account or to have Brigit to have any access to my private information. I dont want to risk my checking account to any data breach. They could wipe out my checking account. I dont want a free account. I want to deactivate this account in its entirety. 

Best Regards XXXX XXXX
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (OK)

I have been trying for over a year to make a payment plan to my mortgage after I paid a very large lump sum. The mortgage company now says I have to pay {$100000.00}. in one payment. This is my home where my family and I live, the documents sent through the mail do not reflect the same information they give over the phone. Including a {$500.00} cashier check from wells fargo for overpayment- my mortgage is almost paid off and I do feel this is some kind of dishonest scam for them to try to keep my home. Please help me with this urgent matter as it is very confusing.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (WA)

To whom this may concern, In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXXXXXX in the amount of XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-03-07
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or delete the following items that I believe are inaccurate and harming my credit. 
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 XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021