davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I am trying to recover funds for charges made on my Visa card. 

All charges were made by XXXX XXXX  for the same amount of {$500.00}. 

Dates of charges : 1 : XX/XX/2020 2 : XX/XX/2020 3 : XX/XX/2020 4 : XX/XX/2020 5 : XX/XX/2020 6 : XX/XX/2020 7 : XX/XX/2020 8 : XX/XX/2020 9 : XX/XX/2020 10 : XX/XX/2020 11 : XX/XX/2020 12 : XX/XX/2020 ( 1st charge on this day ) 13 : XX/XX/2020 ( 2nd charge on this day ) 14 : XX/XX/2020 ( 1st charge on this day ) 15 : XX/XX/2020 ( 2nd charge on this day ) I contacted CitiCards in XXXX to dispute these charges. They appeared on my statement in XXXX as " Billing Disputes ''. In XXXX, the disputes were considered " Resolved '' but I was not granted any refund. I was also charged again for three of the charges. ( Please see the XXXX Citi Statement attachment ). 

I have tried many times throughout the month of XXXX to contact CitiCards and resolve the issue. Sometimes I talk to the Fraud department, who says it is a Billing Disputes issue. Then Billing Disputes says that it is a Security Issue. The Security says it is someone else 's issue. 

I have not been able to work with CitiCards to have these charges refunded or reversed. 

I also tried contacting XXXX XXXX  to discuss these unauthorized charges. They do not have a customer service telephone number, so I submitted an online form to request a call back. They have not contacted me.
Consumer complaint received 2020-07-20
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX CARD
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (IA)

I called the number for the automated system for my serve card, pushed the option for recent transactions many of them said " incoming '' deposit {$0.00}. So i pushed to option to speak to a representative, asked to speak with a supervisor named XXXX XXXX the time was XXXX. approximately, the number I called was ( XXXX ) XXXX. While speaking with XXXX XXXX I asked him about these deposits, yet he claims they are a " fee '' of some kind, but the automated system has them marked as " DEPOSITS '', which would be a credit to my account and ANY fee no matter what it's for or called would be a " DEBIT '' to my account which would then bring my negative. And if this is actually a fee then why was the amount {$0.00} and there were approximately 4 or 5 maybe less, but yet it was supposedly a monthly fee. I asked for XXXX XXXX XXXX 's employee ID #, but he refused to give it to me. On the mobile app it has a button for " sub-accounts '' but I CAN NOT click on it. I've been having issues with fraud on MULTIPLE cards/accounts and I believe this could potentially be another one, but the representatives refuse to help me in any way. 


Thank you, My name is XXXX XXXX, and my cell phone number is ( XXXX ) XXXX.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; EQFX CDN Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX.CT Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX
Consumer complaint received 2019-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Carrington Mortgage has requested numerous documents over and over again at one point they claim they have every document to complete a loss mitigation package. 
Either you get a request for the same documents or something that you sent to them months ago. 
One explanation for denial of the loan modification was the loan had exceeded the numbers of modifications by the investor. 
Another explanation was that he did not have enough income,15 full loss mitigation packages have been submitted to Carrington Mortgage and they have requested at least 30 other documents to go with the package. 
Representatives call Mr. XXXX requesting more and more documents they even advise him to send documents that they did not request. 
For example : one agent called him and asked for documents that were submitted at least three times before and Mr. XXXX received a proposed social security benefit letter for a sum of money. He followed the advise and then they tried to verify the benefit he does not have it yet because he is not old enough to receive it. They had an auction date scheduled for his home and they just played a game with him and then told him that the sale date was too close and he did not have a completed package so the sale could not be stopped. 
Carrington rejected his 4506T because he did not have XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missouri XXXX - XXXX They never gave him that information before. 
He spoke to XXXX, XXXX to name a few. They pass the call from one to five people on each call. Mr. XXXX wants to save his home! Please help him
Consumer complaint received 2018-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (FL)

In a complaint submitted to the CFPB, Midwest Recovery Systems responded stating a record of deletion would be sent to all credit reporting agencies. 
MRS has not and still has not provided me anything stating this is mine, and this negative information is still being verified on both XXXX & XXXX. 
This needs to be removed from my credit report IMMEDIATELY as stated by MRS in their response to my complaint.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Opened credit card with Bank Of America in XXXX this year. Set up Auto-Pay with " Amount Due '' selected ( as opposed to Minimum Amount Due, Account Balance or Fixed Amount ). Auto-Pay processed, but only paid the minimum amount due and I was charged interest on XX/XX/XXXX. I phoned Bank of America to resolve the issue on XX/XX/XXXX and they refused to refund the interest charges despite the fact that I had intended to pay the full amount due to avoid interest charges. The root cause of this failure is the third party company that BoA has contracted to collect payments using their web portal that uses a terribly design and perhaps intentionally misleading interface. I escalated this call twice, and was promised a call back by a supervisor, but this has not happened.
Consumer complaint received 2019-03-08
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: Experian Information Solutions Inc. (NC)

I sent an investigation request to Experian and XXXX XXXX on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I filed a complaint with this company a few weeks back. This company sent me reply to my concerns and mailed me a packet that shows a bill. This account does not belong to me. My phone carrier is XXXX and not XXXX. I NEVER had an account with XXXX and I am willing to provide the burden of proof in a court of law if I have too. I take my credit seriously and I will do whatever it takes to keep my credit in good standing. Please remove this account of my credit report before my next course of action concerning my credit reports.
Consumer complaint received 2021-03-02
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. (TN)

I have pulled my credit report and noticed there are numerous student loan accounts. I should only have XXXX is the only servicer of my student loans. I have XXXX student loans on my credit report that is reporting inaccurate information. They are saying that the account was delinquent back in XXXX but have no info on the report from when it was open. The accounts were open in XXXX but did not start reporting any info until mid XXXX. I have asked for this matter to be addressed. XXXX, XXXX, nor Experian has addressed this matter. I have disputed the info numerous times and only 1 account was removed from XXXX. All of the accounts associated with the Dept of XXXX should be removed immediately. It's showing late payments on my credit report and that the account has been transferred to now XXXX. The information on the report is inaccurate. The accounts were delinquent from XXXX to mid XXXX. The accounts are 7.5 years old and should be removed immediately.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (VA)

I paid off a loan over four years ago with Mariner Finance. It recently showed up on my credit as a collection in XX/XX/2021. I contacted the company and they investigated and saw that I did in fact pay it off and said it wasn't processed correctly on their end and that they would take care of the matter. It is still showing on my report with a balance and a collections account negatively affecting me and am now unable to buy my house because of this. I would love to have this removed from a collections standpoint as this should have never been added to my report recently under a collections.
Consumer complaint received 2018-02-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (CA)

Discovercard services teams have always been GREAT to work with. The banking side for CDs has also been a pleasant experience. So, when I saw a no cost, no fee home equity offer from Discover Bank, in XX/XX/XXXX, I decided to apply to pay off an existing loan for the lower rate offered by Discover. In hindsight, I wish I had not started this process with them. The process has been difficult, disorganized and confusing. There are emails, phone calls, paper documents that come in the mail, and the process is not consistent or synchronized. I have voiced my views on how they could have made the process easier by upfront inquiries ( for example, self employed and living trust accounts require substantially more information in the application process ). But, they were generally not interested in my observations. Adding insult to injury, I have in fact had to pay at least one of the expenses they incurred, a {$30.00} payoff fee charged to me by my current lender. It's now XX/XX/XXXX, and I still don't have final documents for the loan though it sounds like it may have been approved by someone there at DIscover ....
Consumer complaint received 2019-05-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/XXXX I received 40 calls in less than 30 minutes. And they are still coming as I wrote this. Its absolutely harassment. I dont go a minute without getting a call starting at XXXX XXXX and it is now XXXX XXXX. This is an awful way to conduct business, and is not following laws.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2020-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (PA)

This is a deceptive practice complaint against Sallie Mae. They do not allow principal only payments. The payment allocation platform works against students by systematically reducing the payment amount owed if extra money is paid to reduce the principal. Some students may not be aware of this. The platform and the payment process must be modified to help student fairly pay back their loans.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (WY)

On several occasions this company has sent a text message with this exact wording : " Please contact MRS Assoc. regarding a XXXX XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. '' The most recent instance was today XX/XX/20 at XXXX XXXX. 

The huge problem this poses, not just for me, but millions of people with a debt being pursued against them is with notifications. It should be safe to assume that 99 % of all people using a cell phone normally have notifications set to show on their screen once they receive a text message. The obvious reason ( like a phone call ) so the owner of the phone immediately knows they are trying to be contacting. 

The complaint I am filing is that their wording in the very obvious manner of " collect a debt '' and " MRS is a debt collector '' create a very dangerous situation for anyone with a phone that happens to be sitting out in the open on a desk for example, with their supervisor and/or employees engaging in normal conversation. This is exactly what happened to me, which as you can imagine was extremely embarrassing. Multiple people glanced at the text message, seeing the words " debt collector '' with their eyes growing wide and very likely knew what that meant. 

This is a HUGE grey area that likely needs to be corrected within the collection industry as it sets precedents in ways for debt collection companies to " shame '' a target in a way by use of loophole ... the loophole being " text messages are allowed '' but this doesn't ensure the communication is safe or secure with the actual person. A company must always be aware of the possible access to that message being compromised if not verified as a safe means of communication.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (DC)

My loans have transferred from XXXX XXXX to American Education Services. My complaint is that this servicer DOES NOT provide the information necessary in order for me to manage my loans. The website DOES NOT provide information on my scheduled payment plans, so I have no idea when my payments will be increased. The website DOES NOT provide information on how many months I am paid ahead. The servicer DOES NOT allow for overpayments to be applied to multiple loans in one account. These are ALL basic items that XXXX XXXX allowed consumers to do. This information is needed for consumers to plan and manager their student loans.
Consumer complaint received 2017-06-01
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. (MA)

XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XX/XX/XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with XXXX.