davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

I found charges for debt protection on my Best Buy credit card statement and I never purchased or authorized those charges. On XX/XX/XXXX, I called Best Buy/Citibank and they gave me another number to call. When I realized it was not Citibank, I hung up and called Citibank/Best Buy card service back. I told them I was aware of a lawsuit settlement regarding these charges and I wanted to know why I had not received a refund. They told me to call the other number. I objected because from what I had read, Citibank had been doing this to others and trying to push this on a third party was bunk. They agreed to cancel the charges but would not help me with refunding any previous charges. I called the number they provided and that person said they would request a refund and get back to me. I presume that was XXXX XXXX. I never heard back from them. 

I contacted Best Buy/Citibank online numerous times. I attempted to file an official dispute, but those charges don't appear as charges I can dispute. I then asked Best Buy/Citibank once again to refund the charges. They keep referring me to XXXX XXXX. If the charges are from XXXX XXXX, why can't I dispute them? Citibank/Best Buy will neither take ownership of the problem, nor permit me to dispute the charges. At one point, I believed I had filed a dispute on the phone but I can't get BestBuy/Citibank to provide me with a status of the dispute. The only thing they told me is that they would have to close my account if I disputed a charge. I figure that's a threat to get me to stop requesting a refund from them. I did receive one letter in the mail stating that " Thank you for your recent inquiry regarding your enrollment in Enhanced Debt Protection. Our records indicate that this protection was purchased on XX/XX/XXXX. '' So I have attempted many, many times to have BestBuy/Citibank at the very least provide the records showing I purchased this product. They keep referring me to XXXX XXXX. They claim to have in their records my purchase of the product but they refuse to give it to me. They claim the product is a third party product but they will not let me dispute the charges. Either this is a Citibank/BestBuy issue or it is a XXXX XXXX issue. In frustration, I did try contacting XXXX XXXX again and they had literally no idea what I was talking about. I'm just disgusted with the way this is being handled. Citibank knows that they should be refunding me these charges because they settled a case where they agreed to refund these charges and they act like this is a mystery to them. They will not let me dispute the chargesI should be permitted to dispute any charge on my account that was not authorized by me. They won't provide proof that I purchased this product. I don't want to go to XXXX XXXX because I have tried that twice.
Consumer complaint received 2022-11-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation (GA)

This account is charged off. I have been trying to pay this account as I can. That being said this charged off account that isn't supposed to have any new charges has continually increased outside the length of my loan contract and/or maturity date. The charge off is damaging enough as it is. I have been issued no statement explaining these charges that's beyond the length of my loan contract, I have requested copy of my loan contract and it was never sent. I was able to login to make payments but now I can't
Consumer complaint received 2019-09-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MD)

To : Financial Consumer Protection Board From : XXXX XXXX Date : XX/XX/2019. 

Ref : Mortgage Loan To Whom It May Concern : My name is XXXX XXXX XXXX and I recently applied for a mortgage loan with Loan Depot. I sent in all my proof documents such as proof of salary, savings and credit report. I was granted a line of credit up to {$350000.00}. I located a property XXXX XXXX XXXX in XXXX XXXX   MD. XXXX. I signed a contract on XX/XX/2019 with {$3500.00} XXXX XXXX XXXX. My closing date was supposed to be XX/XX/2019. XXXX XXXX, Branch Manager for Loan Depot XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX. Phone number XXXX XXXX and e-mail XXXX. Loan # XXXX. XXXX contact me one week  prior to closing with a lot of issues that werent issues but let me know that he was not going to approve my loan. The first, issue he raised was if I had the financing for the loan after I had sent him my bank statements. The second issue he raised was another loan that I have that is current and I havent had any issues with it. The third and final issue he raised with me was my credit report. My credit score is currently a XXXX I know it can be better, but this rating is supposed to be adequate to secure mortgage financing. Mr. XXXX did not want to rely on Mr. XXXX credit report, so he conducted a private investigation on me. His name of this investigation he told me was a fraud inquiry. He XXXX the Court House in XXXX XXXX to obtain the mortgage documents. He told me he located a property that I had owned three years ago and stated that I could not obtain FHA financing due to this issue. I have not received any correspondence regarding my loan status. I have not received a letter of denial. I work for the XXXX XXXX with a salary of {$140000.00} and it still appears I cant be treated fairly. 

I live in the state of Maryland, in the county of XXXX XXXX. The county was hit hard with foreclosures due to a lot of subprime loans being processed on the minority population. I was one of those people. I got out of my property approx. three years ago and secured financing to clean up my credit to hopefully one day enter back into home ownership. I feel I have been discriminated based on my race. This is in violation of the Fair Housing Act and the Equal Credit Opportunity Act. I feel I have suffered losses from trying to purchasing the property, the appraisal fee, and Inspection fee and time and emotional loss from being discriminated. Loan Depot and Mr. XXXX also violated the Privacy Act by informing Mr. XXXX real estate agent of the denied mortgage loan application before informing Mr. XXXX. 



Sincerely, XXXX XXXX XXXX XXXX XXXX cell XXXX XXXX cell XXXX XXXX
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

On XX/XX/2019 I paid a debt in full, the amount of {$280.00} that I owed XXXX XXXX XXXX college over the phone. They told me my balance was paid in full and I was all set. I was not informed this bill had been sent to collections, I paid the college directly. XX/XX/2019 a collections was reported on my credit report with ConServe debt collections l with a balance of XXXX reported from XXXX XXXX XXXX on XX/XX/2019. I disputed this, as I had paid the balance with the college in XXXX. The college informed me in XXXX when I inquired about the collections. that they had sent it to ConServe, but would report that I had indeed paid the debt in full. ConsServe debt collections is now reporting that I owe XXXX dollars in collection fees. I have attached my payment and receipt history with XXXXXXXX XXXX XXXXXXXX college.
Consumer complaint received 2022-01-11
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX I disputed a charge in the amount of {$770.00}. 

On XX/XX/XXXX I received a letter stating our claim is in the review process. 

On XX/XX/XXXX, I received a letter stating the research has been concluded and a provisional credit has been issued to my account. The letter also states the merchant has the option to provide documentation within the next two billing cycles that the credit to me was not due. 

On XX/XX/XXXX, I still had not received the credit so I contacted the dispute department. I was told they would have this escalated for review. I received a letter dated XX/XX/XXXX. The letter stated the amount was applied to my account on XX/XX/XXXX. 

On XX/XX/XXXX I again contacted the dispute department since I still had not received the credit due. I spoke with XXXX and she again stated this would be escalated for review. 

On XX/XX/XXXX I again contacted the dispute department since I still had not received the credit. This time I spoke with XXXX. She stated this should be resolved within 5-7 business days. If not, I should call and speak with a manager. I received two letters dated XX/XX/XXXX. The day I had spoken with the dispute department. One letter stated they are opening a dispute claim and to alow them up to 90 days to complete their review. I do not understand why this letter since the dispute was started XX/XX/XXXX. The second letter stated the amount of {$770.00} was applied to my account on XX/XX/XXXX. The same letter also stated a refund check will be sent within the next 45 days for any credit balance on the account. 

Today XX/XX/XXXX I spoke with the dispute department and was transferred to the billing department. I spoke with two managers there. One by the name of XXXX and the other by the name of XXXX. Again I was told there is nothing they can do since a XXXX from the dispute department started an investigation. I to this day have still not received the credit I was due. 

I informed them I have been patient enough and would be filing a complaint. The credit card affected by the dispute was ending in XXXX. We have closed that card and were issued a new card ending in XXXX. I am mentioning this since one of the letters I will be providing as documentation has the account number ending in XXXX. The remainder of the correspondence has the new card listed ending in XXXX.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I cosigned for a loan from XXXX with my daughter in XXXX 2021. THe car was totalled in XX/XX/2021 and the insurance paid XXXX over {$12000.00}. THe balance is to be paid by XXXX through a XXXX insurance policy and XXXX was aware of this. XXXX and XXXX both are very slow processing payments and claims. Out of nowhere without warning, I received a credit alert that my score dropped more than XXXX points for a 30 days late payment from XXXX after they have received {$12000.00} from the insurance company. XXXX is aware that the car is totalled and XXXX is processing the XXXX insurance policy that was submitted XXXX XXXX, 2021. I am trying to refinance my home and this practice from XXXX has hurt my family and I seriously during this time of XXXX pandemic and I am a XXXX worker. I need my credit report fixed immediately.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

EQUIFAX has a duty to the FCRA to report correct and accurate information on my credit report and file. However, they are NOT. EQUIFAX is reporting 7 inaccurate late payments for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and a 60 day late payment posted in XX/XX/XXXX. These are inaccurate and are supposed to be reporting as PAID AS AGREED. In addition, in accordance with 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the individual making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. Furthermore, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC (CT)

There are two outstanding fraud charges still unresolved with XXXX card, the amounts of {$370.00} from XXXX, {$350.00} from XXXX. A prior CFPB complaint was filed in re, unresolved, the account shows both charges re-billed, nothing received from either merchant.. Prior, I left several messages for a XXXX at XXXX, ext XXXX. A total of three messages were left, none returned, no one picks up when extension entered, messages are not returned. I was able to get one of the charges refunded, as per an email received from merchant, XXXX. Ive checked the account and do not see credit posted, it might have been refunded as a charge back in which case their disputes team might want to check into it..Most recently, I've been emailing a XXXX in fraud XXXX her email today shows a trade in device which was sent in to XXXX, their reps claim it did not pass inspection, it was in fact reinspected and passed in which case no charge back for it.. XXXX appears confused, claiming the XXXX charge is for the trade in device when it is not ... The trade in device was sent in several days after charge appeared, charged back since the ordered device, a XXXX did not arrive, reps later agreed to refund charge ... I wish to point out as I have in prior CFPB complaint, it is not my job to work out such charges directly with merchants, it is the fraud/disputes dept to do this ... They do not accept or return calls either which does not help in resolution to these charges.. My last email to XXXX stated she can reapply charge, however it will not be paid and again, XXXX agreed to refund prior ... As for the XXXX charge, that will also not be paid, I emailed in re as well, have not heard back as of yet..
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CT)

I filed a complaint with CFPB back in XX/XX/XXXX Against my current mortgage lender. The company in question New Rez LLC. has rejected my application for a refinance once again. My original complaint # is XXXX. Please help me get out of my adjustable Rate mortgage and into a fixed rate mortgage with this company so I don't lose my home. They are my current mortgager and are not working with me to keep my home. I've been trying to get a fixed rate mortgage with them since XX/XX/XXXX.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP (LA)

To whom it may concern, Pursuant to 15 USC 1692h. Multiple debts.If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. As a Federal protected Consumer I am demanding all past payments made on this account referencing the account number below, be sent back to me in a check by mail to the address provided below, as it is a violation of my rights as a federal Protected Consumer under Title 15 Chapter 41 and pursuant to 15 USC 1692h. 

Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Account number : XXXX
Consumer complaint received 2021-03-09
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: The Outsource Group, Inc (NC)

On XX/XX/2021, MEDICREDIT INC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2022-10-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Upstart Holdings, Inc. (TX)

I refinanced my XXXX XXXX XXXX through Upstart in XX/XX/XXXX. In XXXX I traded the vehicle into my employer XXXX XXXX of XXXX Texas. Ally was the original lien holder who confirmed that they sent the title to Upstart on XX/XX/XXXX electronically. I had to call to verify this because the representative lied to me and to XXXX stating that they did not have the title. When I called Upstart back I received another representative that confirmed they have had the title since XX/XX/XXXX. XXXX afterwards submitted the payoff to them on XX/XX/XXXX. They are not wanting to cooperate in releasing the title to XXXX since it has been paid off.
Consumer complaint received 2021-07-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-07-22
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)

Someone has taken complete control of my identity. I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report. I have not applied to any of the companies that is on this report and not sure who has my information or how they got it. I have been calling the credit bureaus explaining this but as of today they have not been any help. Please Please Please help me take my life back.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have been in constant communication with XXXX about the continuous defamation of character. There have been multiple disputes, a cease and desist and and notice to cure sent to this organization. The company has fictitiously reported an alleged debt in the amount of {$380.00} to the XXXX XXXX and the credit reporting agencies on my behalf. As a consumer my privacy and rights were willfully violated. There was an admission of breaching my privacy by XXXX XXXX The first erroneous statement is that, he stated I had an alleged translation in the amount of XXXX. He claimed it caused my account to be overdrawn XXXX. Although the amount reported is less. This is confirmation this is an error and attempt to coerce me into making an unnecessary payment. This error has caused me to be denied my basic rights. This fictious charge off is coming up on every occasion. I have been denied a safe and sufficient place over my sons head. This nightmare is hunting me. It has caused my mental health to decline.
Consumer complaint received 2021-07-22
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: JPMORGAN CHASE & CO. (KY)

I was charged prior to the date I authorized the merchant to complete the charge. I contacted Chase to dispute the charge and Chase is making me wait 15 days to dispute the charge. My understanding is that a dispute must be taken upon notification from a consumer that it is unauthorized. 

I agreed to be charged on XX/XX/2021 and was charged on XX/XX/2021 for {$79.00}.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (NY)

Reference XXXX. 

To whom it may concern, On XX/XX/2022 as an existing cardmember of Discover I was per-qualified for another credit card offer for which I've applied on XX/XX/2022. The status of prequlifying and assurance of extended speed of process as an existing card member of Discover made me consider this offer to an extent of application. On XX/XX/2022 I've received a notification that in order to finalize the application I need to give a call to XXXX and speak with Discover agent. Per this instruction I've gave a call to Discover at approximately XXXX on XX/XX/2022. As a victim of identity fraud in the past, I always make sure to take extra step to protect my information. Because of that there is a 'fraud alert ' on all of 3 major credit bureaus reports, advising lenders to verify the application with me by calling on the phone number listed on the report ( 'Method ' ). This is something I was expected to have with Discover as well as a part of the procedure. Instead I was informed about some form, issued by IRS, which needs to be signed by me ( which as I write this letter ) still haven't been received by me and then wait additional 7 business days. This is extremely confusing, frustrating and misleading, especially for a customer of 3+ years expecting streaming of the whole process.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I have been in constant communication with XXXX about the continuous defamation of character. There have been multiple disputes, a cease and desist and and notice to cure sent to this organization. The company has fictitiously reported an alleged debt in the amount of {$380.00} to the XXXX XXXX  and the credit reporting agencies on my behalf. As a consumer my privacy and rights were willfully violated. There was an admission of breaching my privacy by XXXX XXXX The first erroneous statement is that, he stated I had an alleged translation in the amount of XXXX. He claimed it caused my account to be overdrawn XXXX. Although the amount reported is less. This is confirmation this is an error and attempt to coerce me into making an unnecessary payment. This error has caused me to be denied my basic rights. This fictious charge off is coming up on every occasion. I have been denied a safe and sufficient place over my sons head. This nightmare is hunting me. It has caused my mental health to decline.