davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Wakpamni Lake Community Corporation (FL)

I made them aware that a garnishment has already been made against my wages and they are still taking money out of my personal checking account they gave me a number to call their finance department who also told me that they can not do this but now the finance department wants me to send all sorts of paperwork to them. Inbox loans never sent me a notice of garnishment they sent it straight to my employer which I didnt know about until I received my paycheck and it was money missing so I called my payroll department and thats how I learned of this garnishment.
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank sent me a solicitation indicating that I qualify for there TD cash rewards credit card. I was previously approved due to my excellent payment history and high credit score. The reason that TD Bank denied my credit card was not based on my credit history or credit worthiness, its was denied due to the fact that I already have an existing credit card. Which I believe is against lending regulations. Credit has to be denied based on credit worthiness. In essence TD bank are infringing the equal credit opportunity act.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TN)

In XX/XX/2018, I had applied for and was approved for the Citi ThankYou Premier credit card. The sign-up bonus offer at the time was 50,000 ThankYou points after {$4000.00} spend in 3 months. I was well aware of the Citi bonus offer language which stated the following : " Bonus ThankYou points are not available if you have had a ThankYou Preferred, ThankYou Premier, or Citi Prestige card OPENED or CLOSED in the  past 24 months. '' I was aware of this because when I went to close my Citi Prestige Card after one year ( opened XX/XX/XXXX ), the Account Manager informed that if I closed the account, my 24 month clock would reset, BUT if i merely downgraded to the Citi ThankYou Preferred card ( No annual fee ), then that clock would not reset and I would only have to wait 1 more year ( instead of 2 ) to sign up for any other ThankYou cards and be eligible for the applicable sign-up bonus. 

Therefore, I did what the Account Manager recommended and downgraded to the ThankYou Preferred. After 1 year passed, I contacted Citi via the online chat and verified my eligibility TWICE, both times receiving confirmation that my 24 month window had passed and I could apply for the ThankYou Premier and be eligible for the bonus. 

After meeting the minimum spend requirement, a couple billing cycles passed and still had not received the 50K bonus points. Upon contacting Citi about this, I was passed around to multiple agents/representatives who all had different takes on what the ruling was. Finally I spoke to someone who first claimed that ( 1 ) " downgrading/any activity is the same as closure or opening of an account ', ( 2 ) " it is against federal law to award me the points even if I was told something in error by a prior representative '', and ( 3 ) " if I was aware of the bonus language, then I should be smart enough not to apply for the card. '' After speaking with the incredibly rude individual, I called back and asked to speak with a supervisor. I requested that the online chat transcripts AND the original phone conversation recording ( from when I downgraded the Citi Prestige ) be pulled for investigation into this matter. I was told I would hear back in 7-10 business days, but it has been over 3 weeks with no response. 

At the end of the day, the account downgrade/product change was NOT an opening or closure of an account. Citi representatives continue to misstate the offer as " any activity on the account in the past 24 months '' but the terms of my application do not clearly say that, AND I was told my a Citi representative that a downgrade does not reset the 24 month clock.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XX/XX/18-I scheduled a one-time payment on XXXX to process a {$30.00} payment on that same date with an account that I have used before with this merchant 's card. 

XX/XX/18-I contacted XXXX XXXX XXXX XXXX after I received an alert indicating that my account was marked as 30 days late. I spoke with a Supervisor name XXXX who informed me that a payment was returned on my account due to an invalid account number. She also informed me that I would have received calls from an auto-dialer to let me know that my payment was late. 

XX/XX/18-I contacted XXXX XXXX again after later realizing that my credit limit was also decreased due to this late payment. I spoke with a gentlemen that advised me again that the payment account used was invalid, I then informed him that I have used the assigned checking account before. He indicated that I had never used that account before to draft a payment. on this account, but with a different merchant card that they also carry. He then verified the last 4 of the checking account on the other card and stated that the last 4 numbers did not match the checking account that was used to draft my payment on XX/XX/XXXX. I have since made the payment that was in question and feel that there was a system error because the account I used, that XXXX XXXX swears that I have never used, is actually listed in my XXXX XXXX account profile, and secondly, I would have never received their auto-dialer payment alerts because the number listed in my profile is not my contact number and I am not familiar with whose number that would be, but it's not mine.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XX/XX/18-I scheduled a one-time payment on XXXX to process a {$30.00} payment on that same date with an account that I have used before with this merchant 's card. 

XX/XX/18-I contacted XXXX XXXX XXXX XXXX after I received an alert indicating that my account was marked as 30 days late. I spoke with a Supervisor name XXXX who informed me that a payment was returned on my account due to an invalid account number. She also informed me that I would have received calls from an auto-dialer to let me know that my payment was late. 

XX/XX/18-I contacted XXXX XXXX again after later realizing that my credit limit was also decreased due to this late payment. I spoke with a gentlemen that advised me again that the payment account used was invalid, I then informed him that I have used the assigned checking account before. He indicated that I had never used that account before to draft a payment. on this account, but with a different merchant card that they also carry. He then verified the last 4 of the checking account on the other card and stated that the last 4 numbers did not match the checking account that was used to draft my payment on XX/XX/XXXX. I have since made the payment that was in question and feel that there was a system error because the account I used, that XXXX XXXX swears that I have never used, is actually listed in my XXXX XXXX account profile, and secondly, I would have never received their auto-dialer payment alerts because the number listed in my profile is not my contact number and I am not familiar with whose number that would be, but it's not mine.
Consumer complaint received 2020-08-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc. (LA)

I did a loan with them because i was truly in a bind, when i went to them, a young guy helped me and asked me if i wanted insurance on the loan and i told him no. He proceeded to ask me about possessions that i had in my home and added all of it on there. Unknowingly to me, that was him adding insurance to the loan that increased the payment of the loan. Once i was told of the first payment, i was confused and called to complain. The manager at the time wasnt helpful at all by the way. Also when i missed payments, they called and harassed me and the individuals at my job, giving them my personal information. They informed my coworkers that i owed them and that i was months behind and i could go to jail. That was an invasion of my privacy and my coworkers can attest to them giving out my personal information
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/18-I scheduled a one-time payment on XXXX to process a {$30.00} payment on that same date with an account that I have used before with this merchant 's card. 

XX/XX/18-I contacted XXXX XXXX XXXX XXXX after I received an alert indicating that my account was marked as 30 days late. I spoke with a Supervisor name XXXX who informed me that a payment was returned on my account due to an invalid account number. She also informed me that I would have received calls from an auto-dialer to let me know that my payment was late. 

XX/XX/18-I contacted XXXX XXXX again after later realizing that my credit limit was also decreased due to this late payment. I spoke with a gentlemen that advised me again that the payment account used was invalid, I then informed him that I have used the assigned checking account before. He indicated that I had never used that account before to draft a payment. on this account, but with a different merchant card that they also carry. He then verified the last 4 of the checking account on the other card and stated that the last 4 numbers did not match the checking account that was used to draft my payment on XX/XX/XXXX. I have since made the payment that was in question and feel that there was a system error because the account I used, that XXXX XXXX swears that I have never used, is actually listed in my XXXX XXXX account profile, and secondly, I would have never received their auto-dialer payment alerts because the number listed in my profile is not my contact number and I am not familiar with whose number that would be, but it's not mine.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$170000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-27
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/year>
Consumer complaint received 2023-03-11
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: GOLDMAN SACHS BANK USA (NV)

Back in XXXX of XXXX, I received a phone call from a collections agency and they told me that I owed XXXX XXXX XXXX {$46000.00}. They tried to get me to disclose my method of payment over the phone for the amount owed. I had no clue on what they were talking about and wasn't sure if it was a scammer trying to take money from me. After speaking to the agent for quite some time, I quickly realized that the XXXX XXXX released {$50000.00} to someone identifying themselves as being me. Still unconvinced, I ended up signing up for XXXX ( that my wife previously added me to but I never received the email invite ), and I saw that my credit score went from being an XXXX down to a XXXX. To my disbelief, I also ended up seeing other loans that were taken out around the same time, {$40000.00} from XXXX XXXX XXXX, and {$26000.00} ( 3 different loans- {$4000.00}, {$2500.00}, {$20000.00} ). From that day forward, the debt collection calls started coming in by the volumes. I did get ahold of XXXX and they walked me through the dispute process against all of these accounts. I also submitted for a credit freeze for a year with all three credit bureaus. If you look at my credit reports for the past 26 years, you can see that I have always been responsible with my finances. I have plenty of loans that I've taken out and every single one has an excellent pay back history. I understand that these loans were taken out during/after the pandemic/recession times, but I never took a paycheck cut or anything to even need any funding of any type. My credit utilization is 0 % with 0 credit cards and one military charge card. It's not fair to me to have to suffer the wrongdoings of another person, and on top that, when I would request information on the full application to include the identity validation ( verification phone call ), they can't give me supporting evidence. The representative at XXXX told me she couldn't even find me in the system after with my SSN or address. I think that if they had followed a strict process prior to disbursing funds, then this could've all been avoided. Fast forward from XX/XX/XXXX to XX/XX/XXXX, I received notification that XXXX chose to sue me for the amount owed knowing that I was a victim of identity fraud. To make matter worse, the lawsuit paperwork was drafted in XXXX and by the time I received it, my 21 day deadline to respond was already busted. Since these events, I have a 7-yr credit freeze on all the credit bureaus, I've filled out the Identity Theft Report through the FTC and police, and now am waiting for my identity theft passport application to come back from the Attorney General.
Consumer complaint received 2018-09-11
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. (TX)

XXXX XXXX is attempting to collect a debt without verifying its accuracy. XXXX has misapplied funds that were paid on my account and I have requested a payment history several times so that I could match my payment. I have not to this date received them.
Consumer complaint received 2018-08-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

We tendered lawful money to discharve alleged debt said to be owed by my " deceased '' husband and has been awaiti g the ceryification of release/duscharge from XXXX XXXX XXXX and Their Atty XXXX XXXX XXXX since XX/XX/2017. It more than a year and no response, only to receive a letter from CARRINGTON MORTGAGE SERVICES say if I want to deed the house pver to them then they will not auction it ... this was like a thu derbolt ... .shocking! We were not notice by XXXX of who this CARRINGTON MORTGAGE people are, no notice from them how they came to have control of my file. Also I was never noticed of a pending auction of my home. We learnt of this from co versation with other people and Reators. No proof given that I have been defaul or neglictful in this matter.
Consumer complaint received 2018-09-11
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. (TX)

XXXX XXXX is attempting to collect a debt without verifying its accuracy. XXXX has misapplied funds that were paid on my account and I have requested a payment history several times so that I could match my payment. I have not to this date received them.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (AK)

On XX/XX/2018 I received an unsolicited call from a lady with Quicken Loans. While she was on the phone she ran a credit report on me after I told her not to. She also assured me that nothing she was doing would affect my credit report. Later the " Hard Inquiry '' showed up on all three credit bureau reports under " XXXX XXXX XXXX. I contacted XXXX and they told me XXXX   would have to send them a certified letter before they would remove this. I called XXXX and was told it was Quicken Loans problem not XXXX and they would have to remove it. XXXX again told me the letter would have to come from XXXX. I have tried repeatedly to reach someone at Quicken Loans about this and no one seems to have any idea who I need to talk to resolve this. I think this is very unethical that these people can just report this on your credit without some checks and verification. I every company I have ever worked for we had to have a signature on an authorization form before we pulled someones credit. I need this to be removed from all three bureaus as it was not correct.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I feel my reported credit score is incorrect. My complaint is with Equifax. Equifax provides credit scores to XXXX. Two months ago, XX/XX/2018, my credit score was XXXX. In late XX/XX/XXXX the score was reduced to XXXX. I called Equifax to question why my score was reduced. I was told it was reduced because I did not have multiple types of credit. I was told I need a montage payment or a personal loan. 

I find this absolutely ridiculous. I have not had a mortgage in over 10 years. I am retired and I have paid off all of my debts. I have had the same credit card for over 30 years, and I always pay the balance each month. 

I informed Equifax, they needed to change their method of calculating credit scores. This is very unfair to penalize citizens for managing their finances and paying off their debt. 

Again, there is nothing negative on my credit, all of my bills are paid off monthly. I have had this outstanding payment history for over 30 years. I need some one to tell me why my credit is simply good and not excellent. Forcing an individual to get into debt to get an excellent rating is wrong and very unfair.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/2013 we traded in the vehicle financed by XXXX for another vehicle through XXXX XXXX XXXX. Our credit report is stating that we were late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2013. It further states that this account was charged off when in fact it was paid in full. I spoke with XXXX in detail and wrote a letter the dispute department to them stating all of this and providing them with a copy of our Retail Installment Sale Contract dated XX/XX/2013. XXXX claimed they didn't get paid until XX/XX/2013 from XXXX XXXX XXXX and therefore what they have reported to the credit bureaus ( s ) stand.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2018-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I had three unauthorized debits from the checking account I share with my wife : XX/XX/2018 ( tran date XX/XX/2018 ) : {$31.00} - XXXX # XXXX - XXXX, IL XX/XX/2018 ( tran date XX/XX/2018 ) : {$76.00} - XXXX XXXX # XXXX - XXXX XXXX XXXX, IL XX/XX/2018 ( tran date XX/XX/2018 ) : {$110.00} - XXXX # XXXX - XXXX, IL On the date in question ( XX/XX/2018 ) both my wife and I were working in downtown XXXX. On the weekend prior, we had taken a trip to XXXX XXXX, WI. 
It is my theory that my debit card was skimmed at a gas station on the way to or on the way back from this trip. Possible gas stations include : XXXX # XXXX XXXX XXXX IL XXXX XXXX XXXX WI Although I can't say for sure, I suspect the XXXX in XXXX, IL as one can easily draw a line from there to the three merchants in question. 
( see map : XXXX XXXX XXXXXXXX ) On XX/XX/2018 I reported these transactions to the Chase Customer Claims Department ( claim number XXXX ). They canceled my debit card, issued a new one, and issued a temporary credit on my account while they researched the issue. 

On XX/XX/XXXX, Chase issued an update. They decided that the items reported did not require correction and that the temporary credit on my account would be removed. 
At this point, I called the Customer Claims Department, expressed that this was unacceptable and asked that they reopen the claim. I was told that the reason for their finding was that the merchants in question were close to my place of residence ( XXXX County / XXXX ). I explained that I was working downtown on the date in question, that these transactions were all in different suburbs, and put forth the hypothesis explained above. They said they would get back to me with their new finding. 

On XX/XX/XXXX, Chase issued an update stating that the transactions I disputed would remain on my account, having determined that they were valid.