davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (SD)

I've made XXXX payments to Concorda credit and they still assess their late fees and return check fees. I try to leave funds in my account so they can deduct the payment and sometimes they are XXXX to XXXX days in doing so. 
I was promised by a customer service representative that the late fees and return check fees would be reversed. 
So far they haven't been.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (AR)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered XXXX XXXX  as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

XX/XX/XXXX we requested a check from square for our money owed almost XXXX dollars. XX/XX/XXXX they confirmed. Was told it would be up to 6 weeks with 10 % being held for 60 days. XXXX weeks has came and gone and we still dont have our money. Squares customer support is a joke, they do not answer questions they have no support team. SQUARE GIVE US OUR XXXX DOLLARS!
Consumer complaint received 2023-11-16
Product: Credit 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: SYNCHRONY FINANCIAL (FL)

I opened a credit card through Amazon in XXXX or XX/XX/ with Synchrony Bank. I continued to use my XXXX credit for all my purchases, I've never once used my XXXX credit for anything ever. XXXX has double charged all my XXXX purchases, I've sent them my XXXX  credit statements showing the charges, but I still have a debt to them. They have had terrible customer service each time I've called for help, and my issue is still not resolved.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (PA)

I am submitting this complaint regarding ongoing collection attempts and inaccurate credit reporting by NCB Management Services , Inc. related to a debt that has been charged off by XXXX XXXX. 

On my credit report, the account in question is marked as " Closed, Paid Profit and Loss, Purchased by another lender, '' indicating that the debt has been charged off as bad debt by the original creditor. Despite this, NCB Management Services continues to pursue collection and report this account negatively to the credit bureaus, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have no contractual agreement with NCB Management Services, as they were not the original creditor. The original contract with XXXX XXXX was terminated when the debt was charged off. NCB 's continued collection efforts and reporting of this account as an active debt are inaccurate and harmful to my credit profile. I have contacted NCB Management Services to resolve this issue, but they have refused to cease their collection attempts or remove the account from my credit report.

I am requesting that NCB Management Services be required to cease all collection efforts, remove the inaccurate reporting from my credit file, and validate the debt in compliance with federal law.
Consumer complaint received 2023-11-15
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (AZ)

I bought a {$500.00} prepaid vanilla visa debit card in XXXX. I tried to make a purchase online and the card got declined. Called customer service and they told me i needed a replacement. They said they sent one and told me to wait 7-10 business days. After about a month, i called back, and they said theyd send a new one since the one they supposedly sent never arrived. After another month, it still has not arrived, and i can get no information when calling, other than i should wait. They will not provide a tracking number or anything for the card.
Consumer complaint received 2022-08-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (LA)

I applied for mortgage assistance through the Louisiana XXXX XXXX  XXXX. I was approved for $ XXXX, they are waiting on documents from Midland. When I call Midland Im being told that the Louisiana XXXX XXXX  XXXX denied my application, I did a conference call with Midland and the Louisiana XXXX XXXX  XXXX, the XXXX XXXX  XXXX told Midland that they hadnt denied the application they are still waiting on them to send in documentation, the representative for Midland said she was notating the account and the matter would be resolved. As of today XX/XX/2022, this matter is on going. Whenever I call Midland its always the same thing, homeowners fund denied your application I tell the rep no thats incorrect Midland put those notes in there, its always a debate. Everyone I speak with at Midland always tells me something different, I have XXXX XXXX even thinking about calling, I feel like theyre trying underhanded practices to make me lose my house.
Consumer complaint received 2023-11-16
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (FL)

On XX/XX/XXXX through XX/XX/2023 I was charged approximately {$430.00} in charges I did not make her authorized via XXXX XXXX from my debit card through time first transaction 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 The dispute case number with XXXX XXXX XXXX XXXXXXXX They're stating that there was no error and that they were not reverse the charges even with a police report sent to them about the charges being broken
Consumer complaint received 2023-11-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (TN)

On XXXX XXXX  I called in to make a payment with my credit card or debit card. Customer service stated that credit card payments were not accepted nor debit card. Only method of payment was to be done online with a checking account using account and routing number. At that time I did not a checking account. I asked the representative of all other payment methods to keep this account from being past due or late. This representatives failed to mention they offered a pay by mail option. This caused a very big impact to my credit score. Which could have been avoided if all options would of been addressed.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (IA)

I received a USBank Reliacard on ~XX/XX/2020. I activated the card, thinking it was a replacement corporate card from my employer. I called the number on the back of the card and cancelled the account, once I learned it was for unemployment. I never requested the card. I emailed my HR department to verify they didn't request it on my behalf ; they didn't. I received another USBank Reliacard ~ XX/XX/2020. I didn't request that one either. Who is sending me these cards? Do they have my personal information to get these sent to me? I tried calling again, but the recording at the phone number on the back of the card is asking for my COMPLETE SSN, card number, address, etc.so I hang up as I think this is some sort of scam. Please help.
Consumer complaint received 2023-11-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Zillow Group Inc. (NC)

I went online to Zillow homes to sell my house and wanted to purchase another property and what they did was sold my house to another agency and accepted and application for a loan on another property after the 30 minutes phone interview with the loan officeer and the three year wait they stopped answering my phone calls and maken threats towards me about my application
Consumer complaint received 2024-10-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NY)

My wife and I have an accounts with Marcus Goldman Sachs. We tried to open a joint CD and had difficulties opening it. After the process it was kind of disconcerting and we had found a better rate at another bank and since the representative told us that if we didn't fund the account it would just close. After this application Goldman Sachs locked us out of our account.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. ()

Subject : Concern Regarding Expired XXXX XXXX  Points Dear, I am writing to express my disappointment and concern regarding the expiration of my XXXX  XXXX  points. I recently discovered that XXXX points, worth approximately {$160.00}, have expired from my account due to inactivity. 

# # Key Points : 1. I transferred these points from my Chase Sapphire account to XXXX  XXXX. 
2. I was unaware that the points would expire after one year of inactivity. 
3. Upon contacting customer service, I was informed that the points could not be reinstated. 

# # Request for Reconsideration : As a loyal XXXX customer, I kindly request that you reconsider your decision and make an exception in this case. I believe that : 1. The expiration policy for transferred points may not be clearly communicated to customers. 
2. Loyal customers should be given more flexibility or warning before points expire.

3. The value of the expired points ( {$160.00} ) is significant, and their reinstatement would greatly appreciate my continued loyalty to XXXX. 

I hope you can understand my position and consider reinstating my expired points as a gesture of goodwill. I value my relationship with XXXX and would like to continue being a satisfied customer. 

Thank you for your time and consideration. I look forward to your positive response. 

IHG Rewards Member email : XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point.

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

There's an inquiry on my XXXX XXXX that I don't recognize, I did not authorize this nor given consent to the company to pull up my XXXX XXXX. It is stressing me and making me anxious on why and how this happened.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I am writing to formally request the removal of several accounts and inquiries from my XXXX XXXX These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my XXXX XXXX, leading to a significant drop in my XXXX score. 

Upon reviewing my XXXX XXXX, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-11-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

I worked with TD bank for weeks leading up to the closing of our mortgage. The company assured me everything was in order. One week before closing they still did not have final numbers for us. We contacted them multiple times and finally got a response with the closing costs. The day before closing we got notification that the expensive attorney hired by TD bank did not know the date of the closing and the person working on it " wen on vacation '' without notifying anyone? Our closing was delayed and we spent extra time in a hotel during the pandemic. In addition to that on closing day our closing costs were almost twice as much as the " final '' closing costs TD bank showed us a few days prior. This is an unacceptable level of incompetence. 

In addition we pre-paid all taxes in an escrow account. My attorneys office was asked to pay the school taxes which were paid in a timely manner. TD bank was supposed to pay the XXXX portion of our property taxes which they did not do. I received notification in the mail regarding delinquent taxes on our property. It has been a hassle to reach anyone at TD bank. My wife and I have spent over 1 hour on the phone to speak to someone at least 4 times without a resolution of our issue. At this point TD BANK seems like a joke and have had nothing but awful customer service. We regret even taking out this mortgage with them.
Consumer complaint received 2020-11-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC. (NC)

my name is XXXX XXXX. I got a car loan from Exeter finance company, then my bank XXXX XXXX XXXX XXXX did a refinace on my XXXX XXXX XXXX. they sent Exeter finance a payoff check on XX/XX/XXXX. Exeter said the payoff check was sent the wrong address so they did not due the refinance, also with that check was the monthly payment for the car for XXXX Exeter cashed that check. we got the right address and sent another check on XX/XX/XXXX for a payoff without even receiving the first payoff check back.so i was told by one of the Exeter employees that the payoff check an another montly payment checks was received but by the mount of the payoff check being so large it took days to process but they processed the small one for the monthly payment. so a few days later i contacted exeter employees to see if the check was cleared and they said yes and that some how i still owe an XXXX dollar balance the XXXX was paid and i was told that everything was good the refinance was good. One week later i got a phone call from exeter saying that i was late on my monthly payment. I told Exeter that it was not possible that i was late due to the refinance i was not with them anymore and they said they didnt have any of that information about a refinance on file. they also said they received a second check. I really need a answer Asap because im also paying my bank for the refinance for two months now. i cant afford to keep paying exeter extra money.for two months they have took extra money from me
Consumer complaint received 2020-11-15
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. (VA)

On XX/XX/2020 I filed a complaint with cfpb in regards to Equifax reporting an inaccurate, incomplete and unverified bankruptcy on my credit file. On XX/XX/2020 Equifax stated that they verified the bankruptcy information as being accurate with the information furnisher and that they would mail me the results of their investigation. In the results that they mailed to me, they stated that XXXX XXXX furnished the bankruptcy information and that it was accurate. However on XX/XX/2020, I received a letter from XXXX XXXX stating that they had deleted the inaccurate bankruptcy from my file because of the inaccuracies that were found. How is it possible that Equifax conducted a proper investigation if the public record furnisher has deleted this inaccurate information from their files due to multiple errors.
Consumer complaint received 2022-08-31
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. (PA)

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.