davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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. (IL)

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 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A Creditor May Not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-06-03
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. (PA)

In accordance with the fair credit reporting act 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (CA)

XXXX In XXXX, I filed a complaint with company Ad Astra . I responded XX/XX/XXXX and did not hear back from company. It's been over 60 days and this item needs to be removed from credit report. 

1. Any documentation the company mailed does not show proof of any contracts with Ad Astra. Thus, there is no debt owed to this company. No legal ties created and due to the original company relinquishing their position through selling contract, then there is nothing to pay or discuss.

2. It's been more than 60 days
Consumer complaint received 2022-06-02
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, has violated my rights. As did XXXX Account # XXXX 15 u.s.c 1681 section 602 A. States i have a 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 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

Fay Servicing ( XXXX ) recently took over my mortgage. My 1st payment due to them was XX/XX/2022. On XX/XX/2022, a payment was sent to Fay through my banks Bill Pay. This payment was returned due insufficient funds because I accidentally connected it to my daughters bank account and she didnt have that type of money in her account. Once I realized the error I immediately set up another payment, from my bank account this time. This second payment was processed and the money was taken out of my account on XX/XX/2022. On the evening of XX/XX/2022, I received a call from Fay Servicing that they had not received my payment. I explained the situation and they told me to contact my bank to get a Proof of Payment letter and to send this letter to Fay. I did this on XX/XX/2022. Fay said they would look into it and get back to me in 2-3 days. On this same date, I also opted to set up future mortgage payments through Auto Pay on Fays website. No one from Fay Servicing has reached out to me since XX/XX/2022. The XXXX payment still does not show as paid, and due to this issue they are not processing my XXXX payment through their Auto Pay. I have called Fay Servicing several times and sent additional information in an effort to resolve this issue, with no success. I am concerned that this issue will cause me to go into default on my mortgage if not remedied quickly!
Consumer complaint received 2022-09-09
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. (FL)

I was informed by your company ( Equifax ) on ( XX/XX/2022 ) that account # XXXX with XXXX XXXX. was deleted from my credit report. 

I have realized that this same item was Reinsert onto my credit report! 

In Accordance with the Requirements of the FCRA section 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating Of previously Deleted Material ( ii ) Notice to consumer. if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is Reinserted in file, the consumer reporting agency shall notify the consumer of the Reinserted in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for the that purpose, by any other means available to the agency I have received no such notification, this is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately DELETE this Account from my credit repot in order to avoid legal action, I will also fax this to the Consumer financial protection Bureau.
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I have asked my mortgage company ( Pennymac ) to defer 6 payments after the end of my forberance plan, but its taking them too long to make a decision and Im receiving calls from them in which they are harassing me to make the missed payments or they will send negative reporting to the credit bureaus as well as foreclosing my house. Please assist.
Consumer complaint received 2022-06-03
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXXXXXX XXXX  Account/Reference 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 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (CT)

As a Peoples Bank customer i have gone through the nightmare that was the transition or lack there of to M & T Bank. 

See XXXX XXXX article dated today : XXXX XXXX XXXX As an FDIC approved personal checking and business account holder I have not had access to my accounts since last Friday as branches and mobile banking were closed due to the transistion. 

Tuesday, I waited more than 16 hour and finally received a call back from M & T after hours which was impossible to respond to. I still do not have access to my mobile accounts and the mobile app repeated crashed. The customer service numbers did not function at all and when I went in person finally to a branch they were not able to assist me and directed me to call customer service which I explained was impossible. 

M & T Bank botched this transition and demonstrated a lack of execution, leadership and planning of staff allocation to accommodate what should have been foreseen as a high demand client service event. 

The fact that this is an FDIC insured bank and we have essentially been locked out of our accounts over the XXXX XXXX weekend should be investigated at a minimum. I dont recall receiving any document which stated accounts would not be available. 

This is what happens when your small community bank continues to get bought out by larger banks. You lose quality customer service and see an erosion of your banking services.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I purchased a plane ticket with XXXX XXXX on XX/XX/2022 with my Citi Bank credit card in the amount of {$2000.00}. I'm requesting a refund in that amount. 

The trip involved a XXXX hr flight to the XXXX. 
I recently had XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
At the time I purchased the ticket I thought my XXXX XXXX was resolved. 
However, soon afterwards, I realized the problems associated with the XXXX  XXXX was still an issue. The major problem I have is being unable to sit for any length of time over XXXX minutes. 
After visiting my physician XXXX XXXX XXXX XXXX XXXX at XXXX hospital in XXXX, Tx, confirmed my fear and he wrote a letter documenting that a XXXX hr. flight with extended sitting could be harmful to my XXXX and possibly undo the results of the XXXX. 

I opened up a dispute through my credit card company Citi Bank on XX/XX/2022. 
The dispute # is XXXX. 
Citi and XXXX XXXX declined the dispute, but I have appealed that decision. 
I wanted to emphasize the letter from my surgeon stating the XXXX hr. of sitting on a plane could be harmful to my XXXX
Consumer complaint received 2022-09-07
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-09-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc (LA)

I, consumer, natural person, and living woman was discriminated against by XXXX XXXX ( Affirm ) when I applied to make a purchase on several occasions, I will attach the dates in the attachment section. 
A consumer credit transaction occurred the moment I applied for credit by filling out a CREDIT application NOT a LOAN application. It is my right to be extended credit pursuant to 15 U.S.C 1691 ( a ). In addition, when you, XXXX XXXX ( Affirm ), accepted my application you also accepted fiduciary responsibility. 
Furthermore, I have proof of fraudulent activity and discrimination based on the response I received from XXXX XXXX ( Affirm ) and the unauthorized use of my credit card. I did not receive ANY BENEFIT from this transaction 15 USC 1603 ( p ). My consumer report was negatively impaired proving the transaction did in fact go through. It is my right to be granted substantial amount of credit 15 usc 1691 ( d ) ( XXXX ). 

XXXX XXXX ( Affirm ) claims to not be able to confirm my information ; however XXXX XXXX ( Affirm ) sends me a code when I purchase from a company that utilizes them without me requesting to pay in installments or notice the company utilize XXXX XXXX ( Affirm ). A box populates with my information to enter the code. I have had installments with XXXX XXXX ( Affirm ) before so that message is surprising to me. 


Best Regards, XXXX : XXXX XXXX XXXX ] Without Recourse, Without Prejudice All Natural Inalienable Rights Reserved
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello, I called into each credit bureau and asked them kindly to please do a full investigation of every piece of information on the accounts listed below over a month ago! And nothing was done. I called in because i didn't not recognize the accounts and they are unauthorized. 

15 U.S.C 1681 C-2 605B A : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not any information relating to any transaction by the consumer. 

CFPB, Please help me work with the credit bureaus to make sure these accounts that do not belong to me get removed from my reports. I just want my report to be 100 % mine and 100 % accurate. I want my voice to be heard and I want the credit bureaus to do a proper investigation and review every detail of all these accounts as well as my ftc report and police report and remove these unauthorized accounts. Like I said, I believe I'm a victim of identity theft so they should be removed within 4 days of receiving this anyways because I just filed the ftc report and police report. ( review 605b ) The accounts/inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 2022
Consumer complaint received 2022-06-02
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. (TX)

In accordance with the fair credit reporting h Act XXXX XXXX XXXX XXXX balance {$62.00} AD XXXX XXXX XXXX XXXX balance {$1500.00} XXXX XXXX XXXX XXXX balance {$190.00} XXXX XXXX XXXX XXXXXXXX balance {$130.00} XXXX XXXXXXXX XXXX XXXX XXXX {$170.00} Has violated my rights.15 U.S.c1681 section 602A.states I have the right to privacy.15 U.S.C 1681 section 6 all for a section 2 : it Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Collection Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # ( Various Inaccurate dates and information XXXXoncerning ownership and balances exist on each one ) All Listed accounts have 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 an account without my written instructions.

15 U.S.C. 1681 c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information, other than records of convictions or 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 the information is inaccurate.
Consumer complaint received 2022-09-07
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. (TX)

This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I went to pay my last payment XXXX tax office ion XXXX, XXXX XXXX. Have never had an escrow account with BANK OF AMERICA. Tax office said BOA had paid my last payment of XXXX without informing me. I immediately called BOA and paid them the XXXX. Begged cried and pleaded with them to delete escrow account, as it was paid in full. I am on XXXX and get XXXX per month yo pay my bills. My parents help me with taxes. I pay insurance separately also. HAVE BEEN WITH THEM OVER 20 YEARS. Paying XXXX per month. Payment has gone up to XXXX a month. They have tried to force me into a loan modification and other government help. I do not want that. Paid regular XXXX and they sent it to unapplied funds. Saying I didn't pay FULL AMOUNT DUE AND THEY DO NOT TAKE PARTIAL PAYMENTS. I called and pleaded but yo no avail. Again, they changed my mortgage payment from XXXX to XXXX a month. Please help me. I'm XXXX and.have never been late with a payment. Had paid XXXX yo tax office, went to pay final amount in XXXX and tax office said BOA has already paid remaining, called and paid BOA remaining amount immediately. They have forced me into escrow without any contact at all. When I ask to be removed they said NO. ITS like my 20 year history with them doesn't even matter. I am sending pics of statements where they wouldn't apply my regular payment of.XXXX. Until I paid XXXX... I am on a fixed income. I can not pay the XXXX extra every month. Never been behind on taxes, insurance or my house note. I really need your help..I just want them to take me out of escrow. XXXX may not seem like al
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (NJ)

I am writing to dispute the following information in my file. 

Two XXXX XXXX accounts with the same account numbers XXXX are reporting inaccurately on my credit report with XXXX  different open dates, and credit limits. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 

Please investigate this matter and delete as soon as possible. 

Thank you.
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.