davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (MD)

Concora credit Destiny credit card was shipped and I activated it and began to use it. The card wouldnt add to XXXX XXXX XXXX XXXX XXXX XXXX as a payment method. Customer service hung up on me when I brought the issue up. Another representative told me to try the card in ten minutes. Another rep told me to try again in 24 hours. Another rep told me attempting to purchase on XXXX was high risk. Another rep told me attempting to add the card to XXXX wallet was high risk. Another rep told me the transaction was in XXXX XXXX  and I would be able to use the card again in 3 hours. The card is blocked and declined everywhere I have tried to use it and the company is only issuing the card so that they can receive the high annual fee of {$250.00} whilst declining every transaction and repeatedly putting the card on multiple 24 hour blocks.
Consumer complaint received 2021-08-18
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: Mountain Run Solutions, LLC (PR)

This account does not belong to me. Please remove this from XXXX. Please see below the account that is reporting derogatory about this burean. 

1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2024-05-31
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: EQUIFAX, INC. (TX)

Please see the attached XXXX response and remove the account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. The original creditor has failed to validate this account after multiple attempts from the XXXX. The collection agency that purchased the alleged debt failed to furnish something with my signature as required to prove ownership and agreement to credit or services. This document does not exist, and you need to stop reporting this account. XXXX has already deleted this account. Furthermore, under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law this account must be deleted immediately, or I will seek monetary damages in small claims court in my city and state.
Consumer complaint received 2024-05-31
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: EQUIFAX, INC. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX  XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$870.00}
Consumer complaint received 2021-08-16
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. (PR)

This car account I had with XXXX XXXX. There was a car accident and the car was totally lost. Cars in XXXX XXXX have insurance and they paid the bank. 

Despite this payment and the debt was settled. XXXX XXXX XXXX  has my account in Charge Off on my credit. 

And this prevents me from buying my house.
Consumer complaint received 2020-03-12
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-05-11
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: Experian Information Solutions Inc. (GA)

The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions and Experian is the only one with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX  XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX  XXXX XXXX XXXX XXXX-XX/XX/XXXX
Consumer complaint received 2024-05-31
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. (LA)

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. 

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  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 2016-10-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

This is about Wells Fargo, and investment accounts being emptied on bad transactions that were paid at the transaction level to the investment people at the XXXX branch at the corner XXXX and XXXX in XXXX california. These transactions had a fee attached to them whether or not it was a sound transaction or not. My wife and I lost our life savings due to this blatant, and premeditated unscrupulous action by this bank. We lost approximately {$280000.00} in 16 months of Wells Fargo 's blatant " Theft in the daylight ''. 
This all took place around XX/XX/XXXX-XX/XX/XXXX. A the time, the XXXX. of that branch was XXXX, and he was in control of our money. I am submitting this complaint because I have evolved in my knowledge base, and Wells Fargo is currently under investigation on California for numerous counts of unscrupulous banking methods. The bottom line is, they stole my money in what was at the time, their mode of operation, and policy to disenfranchise their customers of their funds. I know you will keep my personal information from the public, but I am entering my contact information. 

Regards XXXX and XXXX XXXX, # XXXX XXXX, Ca. XXXX. 
( XXXX
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

MOHELA initiated charging me {$640.00} per month for loan payments in XX/XX/XXXX when student loan payment pause ended. However, prior to payments pausing I was only paying {$110.00} per month to XXXX servicer and I have not been required to re-certify my income since the pause was started in XXXX. As of XX/XX/XXXX At XXXX I spoke with call center representative XXXX who reported that Im currently on an XXXX plan, paying {$640.00} per month and dont need to renew income until XX/XX/XXXX. XXXX and her supervisor reviewed my file and stated that there is no reported income shown that MOHELA is basing my repayment off of. Call center supervisor confirmed they could not provide justification for how my payment amount was calculated and MOHELA is declined to provide me with a refund for the overcharges. I am owed over {$4200.00} already, increasing monthly.
Consumer complaint received 2021-08-16
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. (PR)

This car account I had with XXXX XXXX. There was a car accident and the car was totally lost. Cars in XXXX XXXX have insurance and they paid the bank. 

Despite this payment and the debt was settled. XXXX XXXX XXXX  has my account in Charge Off on my credit. 

And this prevents me from buying my house.
Consumer complaint received 2024-05-29
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)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-05-29
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. (CA)

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 2024-06-01
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. 

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 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 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 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FIRSTBANK PUERTO RICO (PR)

Hello, On XX/XX/2021, First Bank did an unauthorized hard inquiry into my credit report. I applied for a personal loan on XX/XX/2021, and I authorized that hard inquiry. When I was approved for the personal loan with a very high-interest rate despite my excellent credit, I asked them to provide the credit score they were using in order to base the interest rate of the loan. I explicitly told them to not check my credit score again because they already had that information from XX/XX/XXXX, and that the credit report is good for 30 days. But despite my warning to not check my credit score again, they did a second hard inquiry on the XXXX without my knowledge or consent. I want to dispute this unauthorized hard inquiry since it was excessive and unauthorized. I have decided not to take the high-interest loan they offered me, and I am still looking for another loan provider, this second unauthorized hard inquiry, lowered my credit score by 3 points and will affect the interest rate of the personal loan offer with another financial institution.

Address of the First Bank branch in dispute : First Bank Attention : XXXX XXXX, Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Thank you for your attention, XXXX XXXX XXXX
Consumer complaint received 2024-06-01
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have attempted to contact Mr. Cooper regarding the foreclosure on my property and have not have any success in obtaining assistance. I have informed them that I have the funds to reinstate the loan and they are not allowing me the time to do so. No one from Mr. Cooper has ever reached out to me to offer any assistance, to inform me of my late payments and to provide alternatives to foreclosure. I am now facing a foreclosure sale for tomorrow XX/XX/2018 and Mr. Cooper is refusing to do anything to help.
Consumer complaint received 2024-05-31
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)

ON XX/XX/year> I REACHED OUT TO EACH OFTHE XXXX CREDITORS LETTING THEM KNOW THAT THESE ACCOUNTS WERE COMMITTED AS FRAUD ON MY CREDIT REPORT. THERE WERE DONE FRAUDULENT. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
XXXX NOTIFYING THE FTC THAT XXXX IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TYPE ( XXXX ) OF FRAUDULENT TRANSACTIONS. SEE ATTACHED DOCUMENTS BELOW.
Consumer complaint received 2021-06-18
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: AMERICAN EXPRESS COMPANY (PR)

American Express is not a collection agency. By definition, the original financial institution where we qualified for credit is exactly that, the original bank or credit union. No matter I had delays in my payments with American Express, American Express recognized too late, not in the year XXXX where I contacted them and sent lots of evidence about what was happening at my job, which I still have, but only recently in the letter included from them, American Express, dated XX/XX/XXXX, where they wrote and quote : " Additionally, we located multiple correspondence from you about your account that were reviewed beginning in XXXX. '' But as I wrote and in on record here at the C.F.P.B., American Express back then in the year XXXX never recognized this correspondence, sent by fax no matter they didn't wrote it, American Express never recognized that it was received at all, and in fact never offered much less granted any kind of Payment Extension or Payment Agreement, no matter I kept constant contact with them, and that is not what a collection agency client does, which is the opposite, an account is sent to a collection agency only when the client does not respond, much less when the client pays as I did. 

The letter from American Express ends with this, and I quote : " Your account has been handled in accordance with our policies and procedures. 

We thank you for your time and hope to have answered your questions. 
Sincerely, XXXX XXXX Customer Advocate Services Team American Express Enclosures '' Yes, according to their American Express Policies and Procedures, BUT NOT ACCORDING TO THE FAIR CREDIT REPORTING ACT : BECAUSE I PAID DIRECTLY TO AMERICAN EXPRESS THIS ACCOUNTS USING THEIR OWN INTERNET PAYMENT SYSTEM : THAT IS NOT PAYING TO A COLLECTION AGENCY : EVERYTHING WAS PAID DIRECTLY TO THE ORIGINAL FINANCIAL INSTITUTION, AMERICAN EXPRESS, AND THEY ARE NOT A COLLECTION AGENCY : REPORTING MY ACCOUNTS OVER THE YEARS INCORRECTLY AS UNDER COLLECTION IS NOT ACCURATE, IS NOT PRECISE, AS REQUIRED BY THE FAIR CREDIT REPORTING ACT AND SIMPLY WILL RESULT IN A FATAL CUTOFF BY ANY OTHER MAIN BANK NO MATTER THE OFFERS KEEP ARRIVING TO ME BY MAIL EVEN HOURS AGO, SEE XXXX XXXX OFFER INCLUDED, AND THE FATAL CUTOFF EXPLANATION BY XXXX XXXX, A FORMER SENIOR CREDIT RISK OFFICER, INCLUDED : I DISAGREE WITH AMERICAN EXPRESS RECOMMENDATION THAT I COULD OPT TO STOP RECEIVING BANK OFFERS OR PRE SCREENED OFFERS : SEE THEIR XXXX XXXX XXXX LETTER INCLUDED. AS XXXX XXXX, XXXX, RESPONSE : I DESERVE THE OFFERS AND NEED TO USE MY CREDT AS ANYBODY ELSE SPECIALLY THESE DAYS. 

THE LAW REQUIRES THE ACCOUNTS TO BE REPORTED WITH PRECISION : NOT ACCORDING TO THE POLICIES OF ANY BANK, LIKE THEY WROTE.
Consumer complaint received 2024-05-31
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. 

Account Name : XXXX  : Account Number : # XXXX Account Name : XXXX  : Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/year> 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 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I took out a $ XXXX mortgage on my apartment in XXXX, at 6 % interest ( XXXX XXXX XXXX  monthly payment ). Before Covid, I had never missed a payment. My mortgage balance was around $ XXXX. Due to Covid, I had to take advantage of the moratoriums and I ended up with about XXXX XXXXXXXX in past due payments. I do not have $ XXXX to satisfy these past due payments so I reached out to my mortgage lender, Banco Popular de Puerto Rico, and requested information on loss mitigation alternatives. The alternative they gave me was a loan modification with an increased interest rate ( 6.75 % ) and an extension of the loan term to 30 years. So, now the only option I have, other than foreclosure, is to pay {$1100.00} a month for the next 30 years, for a XXXX XXXXXXXX loan. I paid my loan on time for the last 15 years and now I have to start all over again, 30 more years, just to lower the monthly payment {$300.00}. I will be paying the mortgage lender about XXXX XXXXXXXX, in addition to the approximately $ XXXX I have already paid just to keep my apartment which they recently appraised at around $ XXXX. If this is not bad faith, I don't know what it. They have given me no choice but to lose my home.