davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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 (GA)

On XX/XX/XXXX, I received the Destiny MasterCard from Concora Credit Inc . I was pre-approved for a {$700.00} limit. A hard inquiry was applied to my credit report. 

I used the card once on XX/XX/XXXX for {$69.00}. I attempted a purchase of {$39.00} for an overseas course company and the transaction was blocked on XX/XX/XXXX. I called to verify it was me making the purchase. The rep asked 3 times if I was out of the country. I stated no I was in the US making a purchase with an overseas merchant. They stated the card was unblocked and to make the purchase again. Card was declined again. Called again and a rep asked again if I was in the actual country I was purchasing from. I stated again no I am in the US purchasing from an overseas merchant. XXXX stated the card was unblocked and to wait 5 to 10 minutes before trying to purchase again. Waited an hour or so, tried again and the purchase failed. Called Destiny MasterCard again on XX/XX/XXXX and a rep asked if I was in the country. I stated yes and they place me on a hold for XXXX minutes and then disconnected the call. 

I paid a {$170.00} in full for the annual fee and was allowed to make XXXX charge on the account. After that, it was promptly blocked, and the reps have not been able to actually resolve the issue. This company also asked for my driver 's license to place my card into my XXXX XXXX. I did so, was successfully verified only to be told to wait until my card arrived. This company now has my personal information and did not comply with adding my card to my wallet as stated. I feel this is data mining and a bait and switch to get customer data and information. 

Also, this can open customers to possible discrimination as the customer 's driver 's license data can be used allegedly by Concora Credit Inc, Destiny MasterCard, and their representatives and staff to block purchases, reduce limits, etc. based off the customers driver 's license data which includes a photo image, race, age, weight, geographic location, etc.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, 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. (IL)

I pay XXXX  to monitor my credit and I have worked hard to improve my credit based on their recommendations. However, when I apply for credit cards they provide me with a totally different number. Each organization has different scores, XXXX  has me a XXXX, Transunion has me a XXXX and XXXX  has me at XXXX. Even my bank which I have a credit card with is showing XXXX at Transunion. I have disputed and wrote letters and they are still all different with different information. I decided to apply for a credit card with XXXX and they have me at XXXX based on Transunion score. I sent this letter on XXXX to XXXX XXXX : Reference number : XXXX To whom this may concern : I recently applied for an XXXX XXXX XXXX XXXX Account and I feel the decision was based on the wrong reason ( s ). 

I have worked hard to improve my credit and my total score you provided was XXXX when my Transunion score is XXXX. 

I have XXXX collections on my account and no charge offed accounts I do not have recent delinquency, public record nor bankruptcy My bankruptcy is over 9 years old and will come off in XXXX of XXXX  None of my credit cards are over limit I will be contacting Transunion, XXXX  and XXXX  with this decision along with alerting the Bureau of Consumer Financial Protection surrounding the discrepancies. 

Again, Im working hard to improve my credit and like someone to contact me surrounding this decision. 

I don't feel it's fair that I'm working so hard however no one is on the same page.
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MI)

I opened a citigold checking account with a bonus offer of XXXX Thank you points. 
Before opening it, I confirmed I was eligible for it. 
I completed the requirements and waited 90 days for the bonus points. 
I chatted with a Citi rep named XXXX who confirmed I 'll get the points. 
Now Citi is saying I 'm not eligible for them.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (IN)

While checking my personal credit report, which I acquired from CONSUMER PORTFOLIO SERVICES, I noticed an inquiry made by your company. 
I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within 10 business days so that I can verity its validity. If vou can not provide me with proof that I authorized vou to view mv credit report then I am demanding that vou contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from vour records. 
Please send me a written confirmation that you have complied with my requests. 
Your failure to comply with my requests within 10 business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. & 1681n 1 and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I have an account listed on my credit profile that is not accurate. I have contacted the company that is listed which has stated that they informed all Credit Reporting Agencies to remove this item & they have not verified this account as reporting correctly to Equifax. I have sent Equifax numerous letters to remove this account & they continue to report false information on my credit report. All of the other Credit Reporting Agencies have removed this account except Equifax, who continues to break the law by reporting false information.
Consumer complaint received 2016-03-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (NJ)

I am receiving calls from the Focus Receivables Management Group. 
The Calls are automated and only offer a call back number. I 've called them to advise them that I am not the party they are attempting to reach. I 've been informed each time that my number would be removed from their database. They continue to call. The calls are now harassing.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

in accordance with the Fair Credit Reporting ACT the listed accounts has violated my rights. 
XXXX XXXX XXXX XXXXXXXX account number : XXXX XXXX XXXX XXXX  XXXX XXXX number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX  account number : 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. states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (DE)

I regularly check my credit information with XXXX. In XXXX of XXXX I discovered I had a delinquent account despite not receiving any notification of such. I was able to learn that it is a collection agency called XXXX XXXX XXXX XXXX reporting an amount of {$130.00} owed to XXXX. The problem that I have with this, is that I never received any notification from a collection agency for that amount in the last 5 years. In fact, I currently have a XXXX account but have not had XXXX in my name ( before the one I opened around XXXX or XXXX of this year ) since sometime around XXXX. I disputed the report with XXXX and they removed it immediately. Equifax has not removed it, I have not been able to contact the collection agency to have it removed but I do not think that it is acceptable to put a 5 year old debt back on to someones credit report with a new, more recent date!
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY (ME)

ATTACHING THE WRITTEN COMPLAINT AS SUBMITTED TO THE STATE OF XXXX DEPT OF PROFESSIONAL AND FINANCIAL REGULATION. WE WERE INFORMED THAT BECAUSE TD BANK IS A FEDERAL BANK, THEY DO NOT HANDLE THIS AND REFERRED US TO YOU. XXXX XXXX MANAGER OF TD BANK, XXXX XXXX ASSURED ME THE LOCK IN RATE WOULD BE REBATED TO US, BUT TO DATE, NO CHECK AND UNABLE TO FIND OUT HOW TO CONTACT XXXX XXXX THE MANAGER OF MORTGAGES IN THE MAIN OFFICE IN XXXX.
Consumer complaint received 2024-02-12
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. (NC)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX  ) XX/XX/2021, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MI)

I am filing a complaint because EQUIFAX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

THERE WAS INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE IT MADE A HARD INQUIRE ON MY CREDIT REPORT AND NEED TO BE REMOVED BECAUSE XXXX FAILED TO SEND MY PROOF THAT I MADE THESE INQUIRES
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

Equifax is showing negative information that is over 7 years old on my credit report for XXXX accounts. 
1 ) XXXX loan # XXXX shows late payments starting XX/XX/2010 that are over 7 years old. All negative notations should be removed. 

2 ) XXXX loan # XXXX shows under " Type '' 90 Day Late Payment. This is over 7 years old and detail has already been removed. The entire account should be deleted.
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX Wells Fargo charged my account without notice $ XXXXFor 13 Years XXXX sent qualified written request asking Wells Fargo to identifythe components. I got replies as follows " WE have received your inquiry and as soon as our research is complete you will be advised ''. The last received was on XX/XX/XXXX. ( all together about XXXX to XXXX inquiries were sent and each reply was the same - a lie ). 
Please keep in mind, XXXX must approve and agree with all loan modifications.other wise, Wells Fargo would go crazy with the Loan Modifications Wells Fargo has not provided any proof that XXXX agreed and approved or even knew about the amount .posted XX/XX/XXXX. therefore this is not a legitimate .charge. There is no way that on XX/XX/XXXX XXXX knew what to bill 20 months later and would not have approved any charge at that timeThank youRobert D XXXXXXXXXXXX characters remainingYou will get some funny answers. including about XXXX lbs paper saying nothing related to this problem. Just ask Wells Fargo to furnish proof that XXXX approved the chargeto XXXX account XX/XX/XXXX. and furnish proof there off-Thank you vvery much and good luck. 


..
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (MO)

This is regarding the account : NATIONAL CREDIT ADJUSTERS , LLC XXXX XXXX XXXX XXXX, XXXX, KS XXXX AMOUNT ( S ) : {$1500.00} ORIGINAL CREDITOR : XXXX XXXX  ORIGINAL DATE OPEN : XX/XX/2016 This is the third attempt requesting verification and documentation of the alleged debt. This account in violation 15 US CODE 1692g. Ive requested that you provide to me verification of this alleged debt. VERIFICATION CONSISTS OF A FORMAL DECLARATION. WHERE YOU SWEAR TO TELL THE TRUTHS OF THE STATEMENTS OF THE FACT OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond-ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, regarding original documents, showing that I have ( or ever had ) some contractual obligation to pay NATIONAL CREDIT ADJUSTERS , LLC.
Consumer complaint received 2022-08-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In response to Experian 's Request and complaint ID I have attached the documents as requested. 
Experian Itemized Violations Invoice and XXXX, the Consumers " Actual Damages '' in response to the violations at hand. It is clear and concise how I have opted out of a credit authorization however due to the willful and intentional negligence of the agents at FAIRWAY INDEPENDENT MORTGAGE COMPANY, I have endured multiple injuries causing an overall downfall in my right to receive goods for my personal use ( Regulation Z ). It is their duty and performance to make accurate decisions especially in consumer credit transactions.
Consumer complaint received 2020-10-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (TX)

Every time I answer the phone usually at XXXX the woman screams my name. It's very startling. She continues to yell over the phone at me talking to me as if she knows me or is someone I know. She doesn't make it clear she works for a debt collector right away. Her tone and volume of voice are very threatening and she sounds angry. Screaming into the mic at me the second I pick up the phone is harassing me.
Consumer complaint received 2015-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WI)

In XXXX we became unemployed. We initiated contact with Wells Fargo in XXXX of XXXX to let them know about our situation and asked for any options to prevent us from going into foreclosure. 
Wells Fargo offered us a forbearance program for both first and second XXXX XXXX mortgage loans. 
On XXXX XXXX, XXXX my payments were twenty-five dollars each for both first and second mortgages. 
I 'm contacting you because XXXX XXXX from Wells Fargo was my Point of Contact in XXXX, XXXX. This was the last point of contact I had spoken with. Since then we have had XXXX other points of contact, neither of which have responded to our phone calls, or faxes. We are hoping you can help us get answers to our questions regarding our situation. 
XXXX XXXX told me my first and second mortgages were being combined and that she was handing me off to a new point of contact as of XXXX XXXX. I was unable to reach our new point of contact on XXXX XXXX, XXXX to make my payment. Therefore, my payment was made with a call center employee. 
Another attempt, on XXXX XXXX, XXXX was made for information regarding my second mortgage. Call center employee said payments were being taken for a forbearance program that my mortgage was accepted into, but that they were not applying them due to a lack of signature. I indicated that I would look for paperwork for her to verify, and she said it did n't matter. Since then the Presidents office has contact us about getting this situation amended. To this date nothing has occurred. 
In XXXX of XXXX a modification for only the first mortgage was included and no programs were applied to our unemployment or underwater mortgage situations that would give us financial relief. We were told that there were programs available for these types of situations. However, they extended my mortgage for an additional 40 years. 
Additionally, We noticed in this XXXX XXXX letter that {$800.00} was added and we have no explanation as to where this amount is coming from. 
XXXX we have faxed over questions regarding this mortgage modification as we were instructed to do per Wells Fargo. We have included a copy of the modification agreement and forbearance paper work. 
See attached documents.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-01-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (WI)

On XX/XX/XXXX I contacted Homebridge Financ to find out why we had not received our escrow check to pay our XX/XX/XXXX taxes They said they would pay it themselves instead of us paying it They then said they did not receive a tax bill so i faxed to them XX/XX/XXXX i contacted them on XX/XX/XXXX cause taxes still not paid then again XX/XX/XXXX check still not mailed. they then said i signed a paper work stating i for them to pay the taxes for us NOT TRUE. When we were with XXXX our escrow check was always mailed to us by XX/XX/XXXX so that we could pay our taxes within the same year. Someone also indicated to me that as long as our taxes are paid by XX/XX/XXXX you will still be able to file your taxes by XXXX when the check finally arrived it was XX/XX/XXXX it was shown the check was cut on XX/XX/XXXX but the envelope post mark date was XX/XX/XXXX XXXX I was being told numerous of times that it was mailed but it was not we took it upon ourselves to pay our XX/XX/XXXX taxes before XX/XX/XXXX because the check still had not come. The village returned our personal check after receiving the check from HOMEBRIDGE. I am also being told that the surplus from my escrow will not be returned to me because HOMEBRIDGE until XX/XX/XXXX because they are waiting to ensure my property insurance is fully paid up. Every year I pay my property insurance my property insurance is part of my mortgage payment. why are you holding my surplus to draw interest? We want to know how this can be corrected for XX/XX/XXXX and future years we want our escrow check mailed directly to us at our home address post marked no later than XX/XX/XXXX