davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: A & O Recovery Solutions, LLC (WV)

A man who's name is XXXX XXXX, works for CCI, has contacted me twice regarding past due amount on a decedent that I had medical power of attorney a year prior to her death. Four months before she died, her daughter, being her living next of kin, took over the medical power of attorney. She passed at the end of XXXX last year and the nursing home she was in charged her for the entire month of XXXX ( she doesn't owe for XXXX because she wasn't alive ). No one was appointed through court documents as her executor through the state. I tried explaining all of this to XXXX XXXX and he stated he did not care about the laws where I'm from that the amount is owed. I informed him that medical power of attorney expires when a person has passed away and that medical power of attorney has nothing to do with financial. He stated he did not care that the money is owed. He also talked overtop of me, I tried to call back to ask for a supervisor and he answered the phone and said are you done, you haven't had enough. I have spoke to a lawyer regarding this harrassment. XXXX XXXX is very unprofessional and should not be talking to people like this! I have blocked their number and XXXX still finds a way to call from different numbers.
Consumer complaint received 2017-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX was removed, paid in full and removed XXXX XXXX 2017. Through XXXX. The amount was XXXX. I was sent confirmation it was removed and paid in full from XXXX dispute service. After paid I waited and disputed to have it removed. Somehow miscommunication happened. Then it Reappeared, showing I was disputing a paid item. Now I look again it 's back on there as owed. It went from paid, removed, to paid, that I was disputing it was paid. To now a balance is showing again. I 've sent to transunion multiple times, it 's Been ignored. Then there is XXXX XXXX reappeared on XX/XX/XXXX. It had been removed years ago for inaccurate information and wrong amount. I have copies of credit report with this not on it. All the sudden it 's there. The original account was reported in XX/XX/XXXX. I called Transunion a week ago when I first seen it. They assured me they seen nothing opened on XX/XX/XXXX. Now it 's showing on all 3 bureaus.
Consumer complaint received 2018-07-03
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. (IN)

On XX/XX/XXXX I sent Experian my FTC report as well as a police report for identity theft on the following accounts below. The documents were sent XXXX and through the CFPB portal. The documents were signed for on XX/XX/XXXX by a representative of Experian.

I contacted Experian on XX/XX/XXXX and spoke to several representative who all informed me that the dont have the documents. I am resending the documents again today and demand that the fraudulent accounts below be immediately removed from my account.

Fraudulent Accounts Which Needs to be Removed. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (DE)

The company has violated many of my consumer rights. Pursuant to 15usc 1681 ( 2 ) sharing my information without my direct consent, 15usc 1692 ( e ) false or misleading representation. Reporting n my credit profile that the debt I do not owe was sent to an attorney. 15usc 1692 ( f ) unfair practices,15usc 1692 ( c ) the company never validated any debt.
Consumer complaint received 2021-09-14
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)

I am identifying myself as a consumer. According to my consumer rights I am requesting debt validation of all of my all the student loans on my credit file. If the original contract with my wet signature is not provided then the accounts should be removed from my credit file!
Consumer complaint received 2020-08-23
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. (AL)

I have sent 4 letters to Experian asking them to validate a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. Next I will be filing a lawsuit.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MA)

I made two payments in full. Per the credit card agreement if payments are made in full by due date no credit interest will be applied. Interest was higher then actual interest rate and was applied on balances paid in full by due date.
Consumer complaint received 2021-09-14
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. (TN)

Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$340.00} This is a complaint against the major credit bureaus ( XXXX and TransUnion ). The reporting of this account is not accurate and I have disputed this with the credit bureaus and directly with the collector and original creditor. I also don't understand how these two credit bureaus are still reporting this account when the other bureau which is XXXX has already deleted it because they couldn't verify the reporting of this account. 

I believe the FCRA and FTC give us the right to dispute the account if there are errors found. It really shouldn't take me this long to have this account removed if there are still inconsistencies and any information is far from the actual and correct.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MA)

I received a notification from a credit monitoring service I subscribe to that my store card account with Best Buy had been closed by the bank Citibank. I received no notice from the bank that they were going to take this action. I am currently in the process of trying to purchase a home and now that this long-standing account has been closed, I may not be able to secure a mortgage due to the change on my credit report. If I had received some notice, any notice, I would have taken action to prevent its closure. I spoke with someone from the bank 's customer service and the first person I spoke to advised me that an email had been sent to me in late XXXX. An email that I never received. The second person I spoke with stated she could not see any email being sent to me. The third person I spoke with said that letters were mailed out in XXXX and XXXX. Letters which I never received. If I weren't in the middle of buying a home, I probably would have let the account close. But because everything is reliant on good credit nowadays we are basically at the whim of the banks. I try to be a knowledgeable financial products consumer but when a financial institution decides to close an account without regard to how that may impact consumers, there's very little that we can do as consumers.
Consumer complaint received 2020-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MS)

I am not aware of this company, ( I.C. System Inc. ), nor have I ever been in any contract or agreements with said company. I have never had communications, written or verbal, with said company. Any account open is not valid.
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I am current on the mortgage payments and paid {$300.00} extra to the principal on ( XX/XX/21 ) .Specialized loan servicing applied my payment to the P/Interest for the next month payment due XX/XX/21 Eventhough I noted on the payment is was a additional principal payment.I need them to apply the payment as I directed.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Late Payments Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$8700.00} Dates of Late : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Balance : {$1600.00} Dates of Late : XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how I was late in those months. I know I have made those payments to you. I might have gotten my statements late during those months.. But I have always made my payments on time.
Consumer complaint received 2021-09-14
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. (TN)

Late Payments Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$8700.00} Dates of Late : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Balance : {$1600.00} Dates of Late : XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how I was late in those months. I know I have made those payments to you. I might have gotten my statements late during those months.. But I have always made my payments on time.
Consumer complaint received 2024-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Credit Solutions, Inc. (TX)

I have recently become aware of a balance of {$780.00}, which according to your records was placed for collection. I am unaware of this debt and did not have an opportunity to dispute this information previously. If you believe that you have provided me with proper notification regarding this debt, I request that you provide me with certified receipts that include my name and signature confirming that I received such notification.
Consumer complaint received 2024-04-13
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: JPMORGAN CHASE & CO. (NY)

I am filing a complaint regarding the handling of a dispute with my bank concerning a transaction with XXXX. 

I purchased a laptop from XXXX in XX/XX/XXXX, order number. Upon discovering the laptop was faulty, I returned it via XXXX drop-off. XXXX initially confirmed receipt of the returned item. However, after several months, they claimed to have received the wrong item and refused to issue a refund. 

Despite providing the tracking number for my return, my bank has failed to resolve the dispute, asserting that the charge from XXXX is valid as of XX/XX/XXXX. 

I request your assistance in resolving this matter and ensuring a fair resolution. 

Thank you for your attention to this complaint.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2018-07-05
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. (IL)

On my TransUnion credit report, I have information from another person included in my report. This is negatively effecting my report and my credit score is drastically different on TransUnion than it is on XXXX. I have spoken with TransUnion multiple times and they have been able to get things taken off my report, but they have not been able to permanently get the additional person removed from my report. I would like to be able to have this person removed permanently instead of having to get everything removed one at a time.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

Equifax is reporting the wrong date of birth which is causing me to be denied credit. I have sent the required documents that were needed to correct this incorrect information on 3 separate occasions by mail and by fax. Every time I call Equifax they say that they havent received anything.
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLENN ASSOCIATES MID-ATLANTIC, INC (DC)

In 2015, I noticed a collection on my credit report from Glenn Associates Mid Atlantic for XXXX XXXX. I, immediately contact Glenn Associates via email regarding the debt, whereby it does n't belong to me. 

During, this time, I asked Glenn Assoc. to contact the CRA 's and inform them that the debt is disputed, and ask them to delete it from my credit report, but fail to do so. 

It has been two years and counting since my initial communication with Glenn Associates, and they have fail to comply.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Charges by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, were all scam related charges ranging from XXXX that went overlooked and not flagged by chase for months. They were inconsistent with any accounts I had an chase fraud detection was useless to me. I eventually noticed, contacted a chase representative, filed a dispute, requested a thorough digital investigation. I was told that if the dispute was settled-per Chase company policy-it would only be for up to 60 days, leaving me at a loss for all of the other scammed charges.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On or around XX/XX/2018, I disputed a credit card account with XXXX  credit bureau .

On XX/XX/2018, I received a notification that the debt was deleted from my credit file.

On XX/XX/2018, upon a review of my credit report, I find that the debt had been reinserted on my credit file, however, I did not receive any correspondence from XXXX that detailed the debt was being re-inserted and the reason for doing so.

On XX/XX/2018, I contacted a XXXX   representative and informed that the debt had been reinserted and that I had not been given notice within 5 days of the re-insertion of the debt. I requested for the item to be removed from my credit file due to the me not receiving statutorily required notice and that it did not belong to me. I was told that a letter had been sent and I requested proof because I did not received anything from XXXX  regarding a reinsertion. The representative offered to re-dispute but refused to remove it from my credit file.
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (UT)

CBE Group recently put 2 new medical collections on my credit. The only way I knew of them was seeing it on my credit report. They didn't send me a notice. Also I am already paying the hospital for these and they were sent to collection in error! XXXX is fixing it.
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MI)

I went on line to XXXX who I have dealt with before to book a future reservation. 
The website was clear, that they needed my credit card, BUT NO MONEY WOULD BE CHARGED ON MY CARD AT THIS TIME. At XXXXEST, today XX/XX/2018, I received a standard notification from my Discover Card, that XXXX XXXX AN UNAUTHORIZED FRAUDULENT CHARGE FOR XXXX
Consumer complaint received 2020-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (NJ)

My issue lies mainly with Experian. In XXXX Experian reported a, {$810.00} XXXX XXXX bill from XXXX, adding that the bill was discharged in bankruptcy. I have tried in vain to get Experian to remove this statement from my credit report. After a great deal of effort, I succeeded in speaking with a live person at XXXX XXXX, who admitted they could not report a debt discharged in bankruptcy and would correct and update this account. I have disputed this TWICE with Experian, but I only speak with customer service reps who live outside of the United States. They insist that they CAN report a debt that has been discharged in bankruptcy. This has caused two potential creditors for a loan I need for major home repair to decline credit, stating that Experian reports I have, or am about to file bankruptcy.
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (OK)

We heard a radio ad from a talent ageny in XXXX XXXX that was being hekd called The Event asking to bring your children for an audition. Would your child like to be a XXXX star? They sold us a sales pitch scam for {$4700.00} and are in no way affiliated with XXXX. I later went home and did some research finding out this company is a huge scam. I tried calling the number but it was a XXXX you 've won a {$100.00} XXXX XXXX gift card. I then faxed a certified letter saying I do not want their sevices and I would like a full refund. I received a letter stating they will not refund my money because it was past the XXXX day contract period but I can attend a later event for an extra {$1000.00}! I have written letters to XXXX district attorney offices and filed a complaint. XXXX in XXXX XXXX where this happened and in XXXX where this company 's stated their address was on the flyer we received. Neither received a response and the address is not valid. I also went to a small claims court free class and they suggested I sue my credit card company because it would be hard to find this company since it was all a scam. I contacted my credit card company and they have refused to help! They said you signed the contract but I tried to explaining it was all a scam and that I never received any services from this company at all and it 's fraud! They still refused to help. It is now a charge off on my credit. I also had the XXXX office write up a letter stating that I would be taking them to small claims court if they do not refund my money. I never received a response just like both attorney general offices who have tried to contact The Event. I have attempted to try to get this fixed for the past couple years but havent been able to contact this company at all. I would like to make a report against The Event and also Discover credit card company for not helping me when there is a reason they have the fair credit card act. I would like to find out if there is anything I can do to get this off my credit. I would others to be aware of this scam company!
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (VA)

In XX/XX/XXXX, while filing income tax my mortgage interest statement listed a refund which was considered income in the amount of {$28000.00}. When I contacted CitiMortgage about this, I was told that I was overcharged interest from XX/XX/XXXX-XX/XX/XXXX, and that this amount was the refund and CitiMortgage decided to apply it directly to my principal instead of sending it to me. When I asked the supervisor why I wasn't given the choice, I was told it was CitiMortgage 's accounting practices and that this is how it worked. So, now my anticipated refund has become a unexpected expense all of a sudden that I was not prepared for. I consulted my attorney ( XXXX, XXXX XXXX   XXXX ) and sent them my mortgage documents that proved I should have been at the very least given a choice in the matter. My attorney wrote CitiMortgage a letter dated XX/XX/XXXX, requesting the refund on my behalf.

On XX/XX/XXXX, I spoke to another Supervisor at CitiMortgage named XXXX ( ID #  XXXX ) - He informed me that a case ( # XXXX ) was opened concerning the letter my attorney sent but was apparently closed on XX/XX/XXXX and he suspected it was because the case # should have started with a # XXXX ... and the " back office '' did not process the request because it was incorrectly put into the system. He then told me that he would send an email and to the remediation department and that he did in fact see my attorney 's letter in my file. 

On XX/XX/XXXX, I contacted CitiMortgage for an update on my case, I spoke with Supervisor XXXX ( ID # XXXX ) she tells me that because it's a weekend day, that she was limited in helping me, however, she did see that XXXX had since received a reply from the department he had emailed and that a case number ( # XXXX ) was assigned to my case and was sent to Special Loans on XX/XX/XXXX and expected to close by XX/XX/XXXX. She advised me to call during the working week and speak to a supervisor and to have my request escalated to the next level. 

On XX/XX/XXXX, I spoke with Supervisor XXXX ( ID # XXXX ) and requested an escalation to the next level supervisor. She kept me on hold for about 30 minutes and then kept insisting the amount was an overpayment and was applied to the principal. She said she was noting my account and she was going to have Supervisor XXXX contact me. To date, no contact has been made by Supervisor XXXX or any other supervisor at CitiMortgage.