davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
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: DISCOVER BANK (CO)

They did the worst job with Dispute  # XXXX. I tried with XXXX for the first time for my XXXX XXXX trip. It was supposed to be a 1-bedroom apartment that was advertised as CLEAN. However, that was not the case. The place was full of the little bugs, anywhere on the floor, bedroom, and bed. The bed featured dead bodies of bugs and moving bugs. I was able to find the bugs anywhere and any second. We were forced to find an immediate place to stay that night, and we stayed in that unit for less than 2 hours. 
After complaining to the host the next day, she canceled our reservation without confirming with us that we wanted to cancel at all!!! She also refused to reply to my messages all the time and only replied when I complained to XXXX about no answers. And of course, this scammer refused to refund me anything. 
As a consumer and customer of Discover, I thought I had Discover at my back, but I was wrong. After submitting all the evidence that the unit was full of bugs and the host 's cancellation without confirmation, Discover still trusted the host and decided to charge me the full amount for a bug-filled unit that I stayed for less than 2 hours. OR they are saying we ABSOLUTELY SHOULD live in such a place and all human beings SHOULD be living with bugs all that time. Discover would be among the worst credit card companies with the worst support to their customers in resolving cases for service that did not receive issues.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (VA)

MRS BPO sent me a letter in the US Postal mail saying that XXXX XXXX had transferred debt to MRS BPO for collection for {$1000.00}. I do not owe XXXX any money and there are no transactions during this time period with XXXX.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently, I did and investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information if found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Account name : XXXX Account number XXXX Account name : Account name XXXX XXXX XXXX Account number XXXX Account name : Account name XXXX XXXX XXXX Account number XXXX Account name : Account name XXXX XXXX  Account number XXXX Account name : Account name XXXX  Account number XXXX
Consumer complaint received 2021-05-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Egon Singerman, Attorney at Law (AZ)

XXXX XXXX obviously filed a complaint against me ; he is in XXXX OHIO I live in Arizona He clearly is not licensed to do business in AZ Filed against a company that I am not affiliated with He violated my rights for I have not been able to defend myself
Consumer complaint received 2024-03-01
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (GA)

On XX/XX/2023, I visited Title Max in XXXX XXXX on XXXX XXXX XXXX looking for a loan as I was in a financial bind and needed to pay a couple of bills. I am a single mother with XXXX children who have XXXX. While in the middle of the loan process, I was never told that the loan is basically only a quick loan that should only be used for XXXX days. Also, I was told that paying a little more on my monthly payment, about XXXX to XXXX dollars more, would lower my monthly payment which is does, however, they never told me that the little extra money would be the only money applied to the principal balance. What they should have said is that paying a couple XXXX dollars more would possibly lower the principal balance. I was told the total opposite. In addition, I was also told that they report to the credit bureaus when a payment is made. That is a question that I asked. Upon making my first payment, I realized that the principal balance on my loan was not getting any lower. It was then that I called to only find out information that was a shocking surprise and that I should have been told in the very beginning before accepting the amount that I accepted. Moving further, I am highly stressed about this loan because I was misled. Also, I tried to reference back to my transaction history to see what I have paid so far and I didn't see a trace of it. Where is my transaction history? In addition to this as well, I had no idea that the XXXX is XXXX %. Is this even normal? I don't think so. Had they been clear with me from the beginning, I would have never agreed to the loan. I am on a fixed income presently and unable to afford such a rip off like this. It was very deceitful and I would like this to be investigated. I want to view my transaction history. Also, it seems like my pay off balance is getting higher. Another thing they don't tell you, is that they don't allow you to leave the state with the loan open and that they don't allow you to pay remotely from another state if you decide to relocate. It also seems strange to me that every one of the XXXX reviews has five-star ratings except for my review. This is too unrealistic. I even received a phone call from one of the loan agents trying to be helpful because of her reading of my review. She seemed a little upset which was odd as well. After noticing all of the scam-like situations in regards to my loan, it was then that I finally did a history check on XXXX XXXX and discovered that I was not the only customer who had been deceived. This company needs to be stopped!
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Tower Loan of Mississippi, Inc. (LA)

In the month of XXXX Tower loan kept calling my cell and job and they came to my home. I think the lady name is XXXX I called her back to try to work out something to get the loan paid and she was very rude so I ended the conversation and filed a complaint with the company. The manger calls me back and I told them to stop calling me and harassing me at work and he told me they can call and do whatever they want. On XX/XX/year> the bank called and said someone was returning my call so I said I'm not expecting a call so I asked who it was and XXXX told me it was Tower Loan so I said they are lying I am not expecting a call from anyone. On XX/XX/year> someone from Tower loan came to my house to bring a letter. On today XX/XX/year> the bank called and said they want Tower Loan to stop calling the bank 5 to 6 times a day being rude to employees and harassing me. My company told them to stop calling however they will not stop. One loan I think is {$190.00} and the other loan is around XXXX XXXX and something dollars. This is Tower Loan in central, Louisiana
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

In XXXX I receive a email settlement with four options to choose from. I choice six payment over six months for a total amount of XXXX With payments stater on or before XX/XX/XXXX. I made XXXX starting in XXXX, with the last payment in XXXX. Bank of America never reported any of my payments to the credit bureaus, but they did continue to report my account as a charge off for the full amount. Once final payment was received they still havent contacted the bureaus informing them that the account was paid in full with settlement.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Credit Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX  XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute XXXX  Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

I have attached a copy of my report with the accounts in question circled. 







Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-11
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Credit Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX  XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Dispute XXXX  Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

I have attached a copy of my report with the accounts in question circled. 







Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

i checked my report and see fraudulent account. Kindly remove this as soon as possible in compliance to FCRA. Thank you. 

XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I have already filed a dispute with XXXX about accounts that have been charged off. I wrote a letter in the dispute saying that any charged-off accounts are now certification of indebtedness which is now income and income can not be reported on a credit report. Also, the account has been reported to my report recently. Which is a violation of The privacy of 1974, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1679c - Disclosures, 15 U.S. Code 6803 - Disclosure of institution privacy, and 15 U.S. Code 1681 - Congressional findings and statement of purpose. I will be attaching my letter and their response to just update instead of delete the account.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (OH)

Thos is the 2ed time my.account has been froze first time was XXXX. Or XXXX. 2023. And 2ed time since mid. XXXX. I have contacted citibank numerous times and their fraud department. I can't get any answers all I was told is my account is being closed and I will receive a letter. They have my money and I would like it back plus a fee. I did nothing to cause this. My entire identity has been stolen. I have been treated like a criminal by citi bank and XXXX
Consumer complaint received 2024-03-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (OH)

I became aware of this account upon receiving a derogatory account statement I called the card issuer and alerted them that I did not open nor authorize this account and they deleted the report from my credit and sold it to XXXX XXXX XXXX XXXX I'm currently still dealing with both to try and get this deleted I've furnished the police report as well as the identity theft report case number and still no resolution.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (PA)

In XX/XX/XXXX, I was late on my credit card payment. I requested a Good Will adjustment on XX/XX/XXXX which was honored and my late payment history changed from " 30 Days Late '' to " Current '' on XX/XX/XXXX on the account XXXX XXXX XXXX XXXX. I had some fraudulent activity on my credit card so it was discontinued and a new credit card with a new number XXXX XXXX XXXX XXXX XXXX was issued. I immediately noticed that my payment history was changed from " Current '' to " 30 Days Late '' on XX/XX/XXXX. I inquired directly to the company and was told on one occasion to submit details pertaining to this issue via U. s. postal Service, which I did on XX/XX/XXXX. I waited until the next billing cycle and noticed that a correction had not been made. After contacting the credit card company again, I was told to submit a detailed summary of what occurred via fax and that it would go to the department responsible for these kinds of correction, the " Correspondence back office '' which I did on Monday, XX/XX/XXXX, XXXX.After going back and forth with the company being told that an adjustment would be made for the past ( 4 ) four months, I am at my wits end. It seems that this is retaliatorigal because I told a supervisor about the fair Credit Reporting Act and there violations. I have the necessary documents to support my claim. The name of the company is First Progress Credit card and they are located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX telephone number : XXXX and XXXX. Also, you will see my progress and decline since XX/XX/XXXX which some are erroneous to retaliate against me.
Consumer complaint received 2024-03-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC (NH)

I requested notice of who my mortgage servicer is and was told CrossCountry Mortgage by my mortgage company. I received a call from XXXX XXXX mortgage service and they were claiming to be my mortgage servicer. My CrossCountry Mortgage did not specify that XXXX XXXX would be my servicer and did not give contact information for XXXX XXXX. I called the VA, and they verified that my mortgage servicer is XXXX XXXX. CrossCountry Mortgage refuses to provide correct contact information for payment and complaints for my mortgage servicer, which has resulted in a late payment. I believe these actions violate federal predioty lending laws and I request relief.
Consumer complaint received 2024-03-06
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Stellantis Financial Services US Corp. (FL)

A little over a month ago I went to XXXX XXXX to lease a vehicle and they lease me a car full of problems and issues. So I tried numerous times bringing the car into service and they advise me that nothing is wrong with the car whenever I try to get a car scan on the car. A few days later after driving from work the car notify me that the car was XXXX  and begin to see XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX the car. I contact the manager at the dealership and they did nothing to assist me during this matter. So I called the loan company which is Stellantis Financial Services , Inc and exampled to them my situation and they advise me that will me send the dealership a cancellation form to close the contact. Now I'm receiving an invoice to pay for a car I longer have or own. The dealership has the car and everything. Stellantis Financial Services has showed me they only care about making money, after notifying them weeks ago about my situation with XXXX XXXX. They provided me with false information about closing my leasing contact with XXXX XXXX. The previous complaint has more details about what happened at XXXX XXXX. But both XXXX XXXX and Stellantis Finanacial Services are participating in bad business.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NY)

Credit card was activated in XX/XX/2023. No further information was received from the bank. I made charges in XX/XX/2023 amounting to about {$110.00}. No information was forthcoming again. 
On XX/XX/2023, I received an email that the account was overdue as of XX/XX/2023. That was the first and only information from the company. I sent an immediate payment for the charges made and requested waiver of the late charge in light of no prior notice or statement. 
I have been attempting to contact the company since XX/XX/2023, to no avail. The company continues to add late fees to the original late fee. There is NO access to anyone in the company to remedy this dispute. I have stopped using the card and any dealings with the company. The company continues to send emails stating that the account is past due on the late fees. 
I do not recall whether I ever officially closed the card account, but I will check that out after I complete this complaint. 
Thank you for your attention.
Consumer complaint received 2023-04-29
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXPhone ( XXXX ) XXXX The above charge account was revolving charge account and was never late in payment. The merchant have reported 60 days past due to all 3 credit bureaus ( EQUIFAX, XXXX, XXXX ) and I have requested merchant and all 3 bureaus to remove as it is inaccurate. Neither merchant nor Credit Bureaus were able to provide any proof of late payment neither remove this from my credit report. I sincerely urge CFPB to instruct EQUIFAX, XXXX XXXX XXXX to remove this from their reports. Hope CFPB will assist in this matter as it's violating my consumer rights. 

Thanks, XXXX XXXX