davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (NE)

XXXX XXXX Concora Credit ( Destiny Mastercard ) Unfair Practices Regarding Returned Payment, Failure to Communicate, and Refusal to Address Late Payment Dear Federal Trade Commission, I am writing to file a formal complaint against Concora Credit, the issuer of my Destiny Mastercard, for unfair practices, inadequate communication, and a refusal to address a late payment stemming from extenuating circumstances. These actions have significantly damaged my credit standing. 

On XX/XX/2023, I was involved in a severe car accident that resulted in significant spine injuries requiring extensive hospitalization and treatment. You will find attached copies of my medical records to document this. During my hospitalization, a payment on my Destiny Mastercard was returned. I have a longstanding history of on-time payments with this account and had never missed a payment prior to this incident.

Concora Credit failed to take any reasonable steps to notify me of any returned payment. I only became aware of the issue after the payment was more than 30 days past due. Upon discovery, I immediately contacted Concora Credit and provided comprehensive medical documentation to explain the circumstances.

Despite being made aware of my medical situation, Concora Credit has refused to remove the negative late payment reporting from my credit history. This has had a detrimental effect on my financial wellbeing.

I believe Concora Credit engaged in unfair practices by : Failing to Exercise Due Diligence : Not making any effort to contact me regarding any payment, despite my previously consistent payment history.

Disregarding Hardship : Lacking any process to meaningfully address extenuating circumstances like severe medical emergencies, leading to immediate negative credit reporting.

Insufficient Resolution : Refusing to rectify the late payment reporting even after acknowledging the extenuating circumstances.

I request that the Federal Trade Commission investigate this matter and compel Concora Credit to remove the negative remarks associated with this incident from my credit report. Their actions have caused undue stress and financial hardship during an already challenging time.

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2022-09-05
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd. (CA)

I am that I am. I XXXX now coming by the name that my mother granted me when I was born. Im not a legal entity, but I am a living man and authorized representative of XXXX XXXX, the trust. HARRIS & HARRIS, in violation of 15 USC 1692, has attempted to contact my persons twice now via text message without written authorization and without sending any notice in writing. I do not know, understand, or consent to any representative of HARRIS & HARRIS contacting me by any means except for in writing per Federal Law. I do not understand, know, or consent to them illegally obtaining my persons phone number and harassing them. This is deceptive and harassment. No information regarding what this is nor my persons rights have been communicated in accordance to Federal law. I do not understand. I do not agree. I do not consent. I looked up this company and they recently lost a multi-million dollar lawsuit for engaging in deceptive practices. I hereby include notice to cease and desist and to no trespass in the event that any party has no private right to the federal formal written titles 28 USC 3002 ( 1 ) ( A ) ( B ) ; 31 USC 3718 ; and 18 USC 8. 

By : XXXX ; XXXX XXXX XXXX
Consumer complaint received 2022-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

I have contacted EdFinancial numerous times in refunding payments made to my federal student loans ( due to the Cares Act refund policy ) and have the balances to those payments reinstated reflected on my account. There are 2 separate payments of the amount for {$3500.00} and {$1600.00} both made on XX/XX/2021. EdFinancial seems to be the only lender that has been completely unhelpful in the process of refund while others are reflecting a much quicker lead time.
Consumer complaint received 2016-06-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IN)

I signed up for a CitiGold checking account with Citibank. I was induced to sign up by a promotional code that I received. The promotional code was for XXXX XXXX XXXX points. I completed all of the requirements for the promo. After completing the requirements, I called CitiBank XX/XX/2016 to verify that I met the requirements to receive the promo. The CitiBank representative informed me that I indeed met the requirements. Further, CitiBank sent me a secure email stating that I had met the requirements to receive the XXXX XXXX points. They also informed me that I would receive the points within 90 days. I waited over 90 days before contacting Citi again. During that time I was paying {$30.00} per month for my CitiGold Checking account. When I spoke with Citi after the 90 days they informed me that they would have to investigate if I qualified for the promo. I told the rep that I had an email from Citi from XX/XX/XXXX that said that I qualified for the promo. The rep told me that Citi would still need to investigate and that I would receive a secure email from them in 1 to 2 days. After 3 days I still had not received the secure email from Citi or the XXXX points. I called citi again and the rep that time told me that the investigation would take another 7 to 10 days. During the entire time of their investigation I will be paying {$30.00} per month for the CitiGold account. I would like to receive the promotional points that I was promised under the terms of the promo and by the email I received from CitiBank in XX/XX/XXXX.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (VA)

I have a Wells Fargo checking account. My account was frauded by multiple charges ( probably close to XXXX or more ) on XXXX XXXX. This occurred on XXXX XX/XX/XXXX. I noticed on XX/XX/XXXX. I notified my bank, and disputed claims. I do not even own an XXXX. Wells Fargo denied my claim and said there was no fraudulent activity noted. I am Stuck out of about {$1500.00} ( including multiple overdraft fees ) I even contacted XXXX and spoke extensively with multiple departments and they confirmed it did not come from my account but XXXX can not return my money. Im not asking for anything but my money that was fraudulently taken obviously, as I had never used XXXX XXXX and all of the money was taken between one day. Please help me, I am desperate at this point and have no idea what to do next
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (FL)

XXXX released my new account number to XXXX after I closed the account and was issued a new credit card because of unauthorized activity on my account from this same company. When I notified XXXX I had XXXX knew charges on my account from Instantcheckmate, I was told they have arrangements with this company to release new account information for reoccurring monthly billing.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (MD)

Since XX/XX/XXXX about XXXX  XXXX, I have not been able to get my account information as it displays an error. I can login successfully but Ally can not display my account information ( balances, etc ). I have called 3 times and no one has any idea when itll be fixed. All XXXX told is that its being worked on. Thats unacceptable for an online only bank to be unable to access my funds for 3 days online.
Consumer complaint received 2022-09-05
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. (GA)

The only address that is accurate on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX These addresses were used by fraudsters and need to be removed so my personal information is not mailed there anymore so No body will have access to my information or the ability to have access to my credit again XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX My name is spelled XXXX XXXX I never used or applied with the following spelling below and should be removed and deleted Incorrect spellings of my name XXXX XXXX XXXX XXXX XXXX And I have a outdated job listed I try to remove several times which is listed below I would like removed and deleted XXXX XXXX XXXX This is my correct cell phone number XXXX These phone numbers listed below are inaccurate and are not mine XXXX XXXX XXXX
Consumer complaint received 2016-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MA)

Account is for Asset Acceptance account # XXXX. This account is not mine. Account belongs to XXXX XXXX and is 10 years old. I hired an attorney for this. A certified mail letter was sent to Asset Acceptance asking for validation of the account. The USPS Track # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX XXXX, XXXX at XXXX XXXX. Asset Acceptance failed to respond to the validation request. Twice since then, once in XXXX and once in XXXX, Asset Acceptance continued their collection activity by updating the account to XXXX as being accurate when I disputed the account through XXXX. When I called Asset Acceptance, they told me the account was being handled by an attorney and gave me the local attorney 's phone number. When I called the attorney, they said they no longer have the account - that the account has been returned to Asset Acceptance. For 3 days I have spent 2 hours a day on the phone with Asset Acceptance and no one can help me clear this up. I can not even find a representative of Asset Acceptance who is willing to talk to me about the account. Every representative of Asset Acceptance I get on the phone says that I must speak to someone else and I can NEVER anyone who is " authorized '' to speak about the account. 

Bottom line is they will not or can not validate the account. It is not mine AND it is over 7 years old and they will not cease reporting to the credit bureaus! 
I am demanding that they immediately remove this account from the XXXX Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Social XXXX DOB : XXXX/XXXX/XXXX XXXXXXXXXXXX
Consumer complaint received 2015-11-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (GA)

I am a cosigner for my sons private student loans through Wells Fargo. My wife and I refinanced our home to pay off the loans which was {$71000.00}. The loans were to be paid to Wells Fargo directly by the closing attorney with the proceeds from the refinance. This took place on the XXXX of XXXX. I checked on line and and saw that a residual amount was still on the loan of {$2900.00} I called Wells Fargo Customer service and said that because the loan was in forbearance the interest was not included in the payoff. i saw i was getting no where.
Consumer complaint received 2022-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CT)

Selene Finance is claiming theyre owed a debt And theyre trying to collect without going through the proper administrative process to validate their claims. I sent them validation correspondence via certified mail number XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and havent received any proof from them I owe them a debt. I also sent their attorney ( XXXX XXXX XXXX XXXX ) a validation request via certified mail number XXXX XXXX XXXX XXXX XXXX and havent received anything from them either to validate their clients claims that I owe a debt. They issued a new account and stated the loan is 120 days past due and opened a new trade line on my credit file on XX/XX/XXXX illegally. They are also sending monthly statements trying to collect with erroneous billing information ( outstanding principal balance, deferred balance and interest rate )
Consumer complaint received 2023-03-30
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. (AL)

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 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 XXXX 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 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 2021-11-05
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: General Motors Financial Company, Inc. (MI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

GM FINANCIAL XXXX Balance Owed : {$0.00} ; GM FINANCIAL XXXX Balance Owed : {$4500.00}
Consumer complaint received 2022-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount GR Holdings, LLC (CA)

My wife and I applied for solar panels and got approved. XXXX was the seller in the transaction, XXXX then applied for a solar permit through XXXX XXXX. The permit was soon denied XX/XX/XXXX due to an expired pool permit ( XXXX ) from XXXX. The solar company XXXX XXXX XXXX was aware of these findings, and the company decided to figure out how we can get the pool finalized first. After some months of trying to figure out how to go about the permit, XXXX XXXX decided to pay for a pool permit to see what the pool would need to get finalized so we could get solar panels installed. After more months passed XXXX XXXX tried to get us to sign with a different solar panel company called XXXX XXXX, the loan was going to be almost double the amount than what we agreed to with XXXX XXXX I declined and asked for us to go back to XXXX XXXX and XXXX filed for an extension with Goodleap with false incomes due to covid my wife was on part time. XXXX canceled XXXX XXXX and had our solar panels installed 2 weeks later, giving us the impression after almost 2 years, that the pool permit was resolved. XXXX from XXXX XXXX  had also sent a text message to me stating, '' we finally got those pool permits cleared with the help of our consultant XXXX. '' XXXX had our loggins for XXXX XXXX to help us get the pool finalized and when asked what was next in getting our solar turned on he stated, we were waiting on the inspector and XXXX. When the inspector showed up he pointed out the solar panels that were installed and said those are not supposed to be up there without a permit. I immediately called XXXX XXXX  and they were apparently " unaware '' of the pool finalization. After countless emails and text messages from different sales representatives, XXXX XXXX informed the company XXXX XXXX XXXX that permits were denied years before installation and months before installation.I called goodleap informing them of the unpermitted work that was installed on the house and let them know what the company did was illegal and they were going to be giving disbursements towards the loan. XXXX from XXXX XXXX sent off a couple payments after asking them to uninstall the unpermitted work because Goodleap was going to send my account into collections. I couldn't use my solar panels and was being charged for XXXX and goodleap. The company XXXX XXXX policy states they would send reimbursements for the goodleap payments. XXXX from XXXX XXXX told me the company is not responsible for the pool permits and will not send me any more payments until i can prove their miscommunication. After showing screenshots of the misconduct in the XXXX XXXX company with XXXX and proving the county had denied their permits, I filed with the contractors state licence board and they proved the unlicensed work and now is facing a company violation. Goodleap has sent our account into collections and is tearing apart great standings in my credit report due to the unlicensed and unpermitted work.
Consumer complaint received 2023-03-30
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. (AL)

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 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX 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 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 2022-09-05
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. (TX)

Open : XXXX XXXX Amount : {$1500.00} 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 2015-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

I was with XXXX for many years, never late, made automated payment every month for all services..XXXX phone company has wrongfully charged me, i have recorded conversation with an agent as a proof..XXXX has overly charged me {$66.00} after the account is closed and without reaching out to me they have sent my account to collection. I could have just paid off enen though it was wrongfully charged..I spoke to XXXX as well as many debt collecting companies for removing these charges but instead these companies keep selling my accounts to new comanpnies and my credits score has gone down from XXXX to XXXX. This is the only debt collection i have in my credit history and this is not fair to consumer ... It 's hurting my credit really bad.