davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
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. (AL)

We received notification from Citibank regarding potentially fraudulent activity on our credit card account ending in XXXX  on XX/XX/XXXX. Upon review of our transactions, we found several fraudulent charges on our card ( case # XXXX  ). Citibank immediately replaced our cards with account ending inXXXX. All fraudulent charges have been resolved except one made to XXXX XXXX for {$880.00} on XX/XX/XXXX. It appears that there were two charges for {$880.00} and then a credit to one of those charges, so the second {$880.00} remains on our card to date. Citibank Fraud department sent us a letter stating that they completed their investigation on that charge and that we are still responsible for that charge. Refer to the attached documents.

We also contacted XXXX XXXX XX/XX/XXXX. XXXX XXXX will not provide us the name of the person who purchased the ticket, the source booking location of the charges, names on those tickets, where the flights were going to, departure or return dates. We can attest that we were in XXXX, AL XX/XX/XXXX and did not book those flights from wherever they were made. Further, we have not flown anywhere from any airlines in XXXX or yet in XXXX. 

We have since filed a report with the FTC reference # XXXX and letter from that filing sent to Citibank. Refer to attached letter. 

Over the course of this event, we have made several calls to Citibank to get this issue resolved and checking status ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). They appear to be trying to get this resolved but the issue remains open to date. We can only suspect that XXXX  is not supporting Citibank with the investigation.
Consumer complaint received 2018-03-15
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: Experian Information Solutions Inc. (WI)

Signed up for Experion 's " TustedID Premier '' service on XX/XX/XXXX, which was the last day of the offer. Received their Activation Email at XXXX. At XXXX was unable to sign up due to " System Unavailable ''! At XXXX it was " high volume ''. Tried a different computer at XXXX with the same results. Called their Customer " Support '' at XXXX and spoke with XXXX who promised to " escalate '' my case. Called them XX/XX/XXXX to followup and was told by XXXX that the offer was expired and could not be overridden. Requested a supervisor and XXXX told me the same same thing. Offer expired -- -can not be over ridden etc. She said they would again " escalate '' my information for further review and get back to me in 10 days or so. Of course, I never heard back from them. Evidently, " escalate '' to them has a different meaning.
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I been paying a Home depot credit card for more than a year but I owe more than what I suppossed to. I stop using the credit card on XXXX 2014 and I owed XXXX. I paid for a year and I owe XXXX.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

I sold my home in XXXX, and paid Nationstar 's demand of me, which was overstated. 

I never received a final payment history in XXXX, and when I did in XX/XX/XXXX, Nationstar allocated {$2800.00} in lines XXXX of my account history. See attached. 

8 years later, on XX/XX/XXXX, Nationstar 's counsel provided me with an XXXX spreadsheet in response to my request for a final account history, after settling the matter in XXXX XXXX XXXX XXXX in XXXX XXXX, Nationstar changed the payment allocation of my late fee payment deleting XXXX entries amounting to {$2800.00} to a new XXXX entries totaling late fee payment was made of {$11000.00}. 

XX/XX/XXXX, as attached, I mailed Mr. Cooper a Notice of Error for good cause see XXXX account history and XXXX XXXX spreadsheet for clear evidence in lines XXXX as to why. Nationstar failed to acknowledge the notice only having their counsel do so, and then by counsel stated there was no error, with Mr. Cooper refusing to confirm the XXXX spreadsheet or correct the facially inaccurate late payment allocation only changed in XX/XX/XXXX, to which an order preventing this complaint doesn't apply filed XX/XX/XXXX. 

This new payment allocation came after I agreed to waive prior claims, and after the company had a Judge agree to waive my rights to recourse in an ordinary tribunal or administratively through your bureau. 

The new payment allocation indicates in the 4 years XXXX  XXXX XXXX serviced my loan and the 16 months Nationstar serviced my loan, that instead of reporting the actual XXXX late payments, the mortgage file indicates XXXX late payments were made in 60 months. 

As of today, the counsel for Mr. Cooper is threatening to subpoena everything I own including bank accounts, all of my personal account records, everything because I am asking Mr. Cooper to revert their erroneous new payment allocation of late fee payments from {$11000.00} back to the amount Nationstar received of {$2800.00} that is also over charged but I gave up trying to achieve a correction in XXXX, that should state {$1500.00}.
Consumer complaint received 2016-11-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XXXX/XXXX/XXXX I settled a debt with XXXX for {$1000.00}. Subsequently they sold the debt to Portfolio Recovery Associates , LLC ( PRA ). PRA made NO attempts to collect the debt. In XXXX XXXX I discovered the debt on my credit report and contacted PRA via email asking for verification of the debt validity. The request was NEVER honored. I notified PRA that I was disputing the debt, I NEVER received any information from PRA. In XXXX XXXX I was informed by the Florida XXXX that my credit report indicated the invalid PRA debt. I again contacted PRA and received a form letter stating the original account holder, the date the account was open the balance on the account. In my XXXX XXXX contact I also requested verification of the validity of the debt, in writing and via the telephone. This was NEVER provided. I was informed by PRA via telephone that I MUST contact XXXX. XXXX advised when the debt was sold all records were given the PRA. PRA refuses to release ANY documentation to verify the validity of the debt other than a form letter saying it is valid. PRA has NEVER provide a statement, contract or any other documentation demonstrating the debt is valid. NOW I am XXXX but can not pass the XXXX until this matter is resolved.
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

1. Loan was previously serviced by XXXX XXXX XXXX, which had me in a COVID forbearance, which was extended verbally, every month. When the loan was transferred on XX/XX/XXXX, it was reported as current, bc I was in forbearance. 
2. Loan transferred to Fay Servicing, on XX/XX/XXXX. I requested a COVID forbearance, which was approved during my initial call with Fay servicing in XX/XX/XXXX. In XXXX I received a notice of default and called Fay, I was advised that this was standard and not to worry.In XX/XX/XXXX I received a letter that states I have requested a modification and that more documents were required. I submitted a loan modification application on XX/XX/XXXX, and then after more letters, I applied again on XX/XX/XXXX. In XX/XX/XXXX I was placed back in a COVID forbearance and was told REPEATEDLY that once that ended I would be offered a workout, not to worry. 
3. I was charged fees and reported delinquent while on COVID forbearance, my statements never indicated a forbearance, only that I was 300 plus days behind etc. 
4. In XX/XX/XXXX I requested to have my forbearance extended through XXXX, I also submitted a modification package to begin the post covid relief process, as I was instructed. A package was completed and mailed on XX/XX/XXXX. 
5. XX/XX/XXXX A notice of sale is sent, POSTMARKED XX/XX/XXXX, which means it did not arrive until AFTER XXXX, and EXACTLY 21 days after sale is RECORDED, there is a sale scheduled. Not once was I contacted or received any letter discussing my COVID forbearance extension, or any post forbearance options. None. No pay-off amount sent. No workout options, no assistance package. 
6. I downloaded a package and submitted the package from the website. 
7. On XX/XX/XXXX I finally XXXX XXXX for XXXX  after being very XXXX XXXX XXXX  since late XX/XX/XXXX. On XX/XX/XXXX I started to open my mail and catch up, when I saw a sale date scheduled for the same morning, I called Fay they offered no help. I had no choice but to file XXXX XXXX XXXX, which has affected me and will continue to affect me in a negative way. I was not planning to file XXXX, but was left with no option, since Fay had not even reviewed my application for assistance, & scheduled a sale immediately. My XXXX has been dismissed. As a result my sale has been rescheduled to XX/XX/XXXX
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a credit card from CAPITAL ONE, and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, CAPITAL ONE has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late on XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My mother has a credit card with XXXX  XXXX and I have been an authorized user for years. When I go to view my credit report XXXX has my XXXX  XXXX card information as well as the card I'm an authorized user on however Transunion does not. I contacted transunion and was told to call XXXX XXXX. My mom called XXXX  XXXX and was told that nothing has changed on their end. I'm still in the system as an authorized user and I needed to contact transunion. 

My mothers name is XXXX XXXX XXXX .The account was opened XX/XX/2010 and has a balance of {$2100.00}.
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (WI)

Macy 's never sent me my bill for a new account, and is trying to charge me months of late fees now and will not cooperate, claiming that I must have received the bills which I did not. 

I would like to have the account, but I am not paying {$100.00} in late fees because they chose to wait 3 months to send me the first statement.
Consumer complaint received 2024-02-09
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. (CA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Management Services, Inc. (CA)

I am a victim of identity fraud. 
My personal information was stolen and the address associated with this account does not belong to me. 

A dispute was filed with the creditor. 
They stated that the debt was not mine. 

The fraudulent transaction was not used from my residence. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX This address is not my address Please remove this creditor from my report ACCOUNT MANAGEMENT SERVICES {$1100.00} This debt is not mine.
Consumer complaint received 2020-12-07
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: Convergent Resources, Inc. (PA)

I sent 4 dispute letters Over the course of over 200 days asking to send proof of verification that this debt was valid and I never received a proper response. What I did receive was a bill in response to the letters I sent to the credit bureaus. A bill is not proof of a verifiable debt. It has been over 200 days and still no valid proof of how this debt is Being verified. The Payroll fell to notify me with proof that this is a valid debt that I owe.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been disputing the late payments showing on my account for Capital One Bank USA N which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2024-02-12
Product: Credit reporting 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. (WI)

I submitted a certified, notarized dispute to Transunion credit bureau on XX/XX/2024 asking that they verify all information is accurate and correct or remove the collector from my credit profile as they are in violation of 15 USC 1681 et seq. governs access to consumer credit report records and promotes accuracy, fainess, and privacy of personal informaton assembled by Credit Reporting Agencies. & 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, im partiality, and a respect for the consumers right to privacy. 
The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to any who does not have a purpose specified in the Act. 


I just received notification from Transunion dated XX/XX/2024 on XX/XX/2024 denying my request to dispute the inaccuracies on my profile
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC (SC)

My name is XXXX XXXX. 
I have received a mail from a company that called : RentDebt Automated collections that located in XXXX XXXX XXXX XXXX, TN XXXX. 
The company have asking me to pay off amount {$1700.00} USD for a statement date ( XX/XX/XXXX ) that they've thought I owe to the creditor listed. 
This debt collector company have a several attempt to contact me by phone in an unreasonable hrs from an Unkown numbers. 
This debt collector company is deliberately searching for my personal information and data such as SSN, Bank account, credit cards number, addresses or contacts etc. 

I HEREBY DECLARE THAT I HAVE LEFT THE STATE OF FLORIDA AND CREDITOR 'S PROPERTY WHO THEY HAVE TRYING TO COLLECT MONEY FOR AT XX/XX/XXXX AND ARRIVED IN XXXX, SC AT THIS DATE! AND I HAVE A COPY OF THE LAST RECEIPT OF THE FULL PAYMENT THAT I HAVE MADE FOR XX/XX/XXXX BEFORE I LEAVE THE PROPERTY BY THE END OF THE MONTH XX/XX/XXXX. 

This letter contains : 1. copy of the mail that collectors have sent to me.

2. copy of the letter that I have sent to the collector as respond.

2. copy of receipt that proofs I have paid the full amount rent of the XX/XX/XXXX. 
3. copy of my auto insurance policy issue date that proofs I am in the state of South Carolina .

I've submitted this letter as a complaint to CFPB and humbly asking for a protection against RentDebt collection who are in process of impact my life, I also need a protection on my personal data that has been breached by Debt Collector act, Such as SSN, BANK, Credit Cards etc. In order to cause a potential problems. also I need a protection on my personal data/ information from being forwarded or sold to any other company by RentDebt collectors act, I understand that personal privacy, data and information of any individual who are living on the land of United states of America are a human rights matter, I understand that I am under such protection against any corporation/ organization who have trying to cause threats, fear, stress or cause potentially negative impact to the residents of US. Or trying to algorithm/ or discriminate an individual, in order to cause lose of confidentiality or any other purposes. 

Sincerely XXXX, XXXX
Consumer complaint received 2022-07-19
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. (KY)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX sent in disputes letters and file on cfpb and I have not had a response by mail from XXXX, XXXX nor TRANSUNION. I don't understand what's been going on with my claim but I want a response please by mail. Each account needs to be deleted due to the fact that I have not heard anything about the initial disputed items from the report.
Consumer complaint received 2020-03-02
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Miller, Stark, Klein and Associates (VA)

On XX/XX/2020, I was called while on the job after i had told them i could not get phone calls before and after XXXX, I was called 3 times in a row. I had told XXXX XXXX if it was necessary for her to call 3 times in a row. Her response was because i was not answering. I had made arrangements on this school loan with someone else, so not sure why I was being called by them. I had made them an arrangement to pay {$50.00} to make an arrangement with them ( i told them i would call and let them know '' However {$2000.00} was being withdrawn from my account on Saturday the next day which i stopped. I called today and told them i had made arrangements with someone else, but XXXX XXXX kept cutting me off, so i got irritated. She said shes going to contact my HR and hung up on me. 

This company is DRS Processing
Consumer complaint received 2016-10-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (WA)

There is a discrepancy between payments and what is owed. The auto dealership contract does not comply with Lender. 

Payment started at {$13000.00} and it has been a year that I have been paying of XXXX/month. I checked my payoff quote and I received {$13000.00}. 
I am paying off another vehicle which i receive da month before purchasing with santander. The payment started at {$30000.00} and our pay off is XXXX. Our payment is XXXX/month. If I am paying half from the other vehicle, My pay off quote should have been reduced to $ XXXX ; not {$13000.00}.
Consumer complaint received 2020-12-07
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. (NY)

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 47 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 47 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.