davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (TX)

On XX/XX/XXXX, My husband and I called M & T Bank advising to inquire about options for families impacted by covid. The first representative very blatantly lied when we asked her what Covid options were available. The representative rudely told us that there were no options available for us. I checked the mail and received a notice from M & T Bank. I called back immediately on the same day. ( XX/XX/30 ). I told the young lady that we'd called early and the person on the phone told me that no COVID options were available for me. The new representative apologized and stated that she found no options. We asked the new rep what options were available, and she stated that Covid options had ended earlier in the month. ( XX/XX/XXXX, I believe ). We went through a financial interview so they could provide us with a package to see what options were available to us. It was a detailed interview as she inquired about several of my credit accounts. She offered no such COVID options. When we called today to make a payment, we were informed that we could only make a payment for two months and that they could only take the two months if we could tell them when they'd receive the 3rd payment. We went through a series of questions. The young lady today mentioned to us that we had covid options available. 

While I can not be sure, this feels like XXXXXXXX XXXX. We do not have a recent history of non-payment and did not take any concessions during the height of the pandemic. The first two reps discounted what we told them. The 3rd representative attempted to counsel us through a process for repayment despite us telling her we were not unemployed ; we'd just experienced a bout with XXXX
Consumer complaint received 2022-07-13
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX Balance : {$1900.00} XXXX XXXXY ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$710.00} XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$710.00} TRANSUNION : XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$710.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-01-26
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. (TX)

After, Reviewing my full credit report. Majority of the credit inquiries on my report have not been authorized by myself, XXXX XXXX. Or I have no knowledge of why they are on my report at all. I would like them all removed or verified immediately please.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After, Reviewing my full credit report. Majority of the credit inquiries on my report have not been authorized by myself, XXXX XXXX. Or I have no knowledge of why they are on my report at all. I would like them all removed or verified immediately please.
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MI)

On XXXX XXXX my XXXX XXXX credit card issued by Citibank was XXXX used for a total of XXXX purchases. XXXX of those purchases ( XXXX XXXX XXXX ) was reversed and a permanent credit was issued. Another XXXX at Been Verified in the amount of {$1.00} and {$4.00} were listed as being withdrawn by me. I did not withdraw those charges. That being said, after contacting the company, they are reversing the charges. There are XXXX remaining disputed charges. There were XXXX purchases made at XXXX ( whom I have a monthly cell phone service with ) for {$90.00} and {$300.00}. Another was for XXXX XXXX in the amount of {$140.00}. Those XXXX amounts were initially credited back to my account and then they were reversed with Citibank advising me that I was responsible. I believe the XXXX charges were because I told them I have a relationship with that company. That being said, the monthly invoice is deducted directly from my XXXX checking account and has never exceeded {$54.00}. I contacted XXXX and XXXX XXXX and using the credit card number that has since been replaced, they were unable to locate those charges.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

RAYMOUR AND FLANIGAN charged off an account that was never late on payments and sold it to a debt collector. violating 15 USC 1681 s-2, 18 USC 894 , 18 U.S.C 1028A , Gramm-Leach-Bliley Act
Consumer complaint received 2022-08-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

This company is pure evil and sick. They harass you and your family and they have a record of doing it intentionally. They hunt down your family members and harass them with false information using your personally identifiable information. I suffered irreparable harm from their wrongdoing and it has caused damage between my family and me. My mother and I no longer have a positive connection due to the false and misleading, and deceptive trade practices this company uses against consumers. This company uses threatening and extortionate means in ways to collect an alleged debt. I the consumer am making this complaint to bring light to the harm that this company has been intentionally inflicting on thousands of consumers daily. They have no regard for a consumer 's right to privacy. It is time that the CFPB takes action against this company for its abusive debt collection practices. They conspire with other corporations to deprive consumers of their inalienable rights by using vigorous methods to extort consumers. They a well known for violating several of the acts that congress has placed to protect consumers. They willfully and knowingly will ignore your efforts to have your information corrected in their database. They even violate their policies and can not be trusted. If you are a consumer like me, the time has come to report this company 's actions to our elected officials to bring awareness to a seemingly endless black hole of deception.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (MO)

Good evening I am a XXXX recipient and it was explained to me by a SSA agent yesterday. My critical dier need payments have still been processed around the XX/XX/year>, but the contractor at Direct Express banking ComercA bank has chose the nature of concern as it has decided by its own governance to hold this crucial and critical payment for days with no end. I have discovered that even though SSA has been processing my critical payments earlier in the month this banking institution with Direct Express agents have chose to extend those payments out to the very end of the month like last month XXXX the payment was finally release on XXXX and XXXX. But processed by SSA way before this date. Moreover, why if SSA processed the payment XX/XX/year> and I usually recieve on the XXXX of each month in which should of posted yesterday. It has not been sent down to my account by this Direct Express Banking institution. Thank you for your time.
Consumer complaint received 2022-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NY)

I have been the victim of repeated identity thefts and having to use my own time resorted to freezing my credit at all the major credit agencies. Yet somehow XXXX claimed I rang up over {$1000.00} in charges and then passed/sold ( I was not a party so I do not know ) " my '' debt on to collections agency who then proceeded to file a collections report to at least one credit bureau XXXX All this happened without either XXXX, or Credence Resource Management using ANY attempt to contact me. Only when my own third party firm notified me of a drastic drop in my credit score did I see that XXXX reported a collection against me by Credence Resource Management. How are these two companies allowed to claim I owe them money, and then use XXXX to damage my reputation, and make me use my valuable time, to correct their errors? To fix their errors, they wanted an absurd amount of personal information, including SS # etc -- Why would I trust any company that just facilitated fraud against me with this information?
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit ReportingAct. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-07-13
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. (FL)

We went to the car dealership I said I want to apply for a car they say they was going to only due XXXX. I was shopping for a mortgage loan the lender said he wasnt going to pull my credit until I was ready now I have 14 hard enquired. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one charged off an account violating 15 USC 1681 s-2, 18 USC 894 , 18 U.S.C 1028A , Gramm-Leach-Bliley Act
Consumer complaint received 2024-12-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (LA)

Modification trial started all payments were made on time and/or early. Company sent out their reps with paperwork and I signed all and the reps handled sending the documents back via mail overnight. All trial payments were made. Company rep stated that everything was fine and that I should be receiving documents for my records for the modification and I never did. They extended the modification for an additional monthdo to not having the document. They restricted online payments and only allowed me to call in the payment every month. Called to make the next month payment and they refused to take the payment and told me that they didnt receive an insurance acknowledgment form signed and dated, which by this time they were sent at least 3 signed and date copies, they said couldnt finish the modification until they got it so they emailed me the document I signed it again and sent it in. Waited a week to make sure they got the document and when I called back they told me that my modification was canceled because they didnt receive the document and I didnt make the last payment because they refused to take it do to the document missing now they are trying to take my house Im a XXXX XXXX veteran with a XXXX this company has sent me through the ringer and I have done everything they asked. Shellpoint mortgage is ruining my life and my familys future do to incompetence by them and their employees or they are just out to take veterans homes with a bs excuse of not receiving one document about an insurance acknowledgment document, that was sent multiple times including by their own reps that came to my house with the documents.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

My account with those screditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-11-01
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$240000.00}
Consumer complaint received 2024-10-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

In XXXX I filed a " Borrowers Defense to Re-Payment '' via the Department of Education, claiming I was Defrauded by XXXX XXXX XXXX, Case # XXXX In XXXX My Grandmother died and left me XXXX XXXX In XXXX XXXX the Federal Gov rejected my application In XX/XX/XXXX I repaid the loan balance using my inheritence money In XXXX the Government automatically place my Original Application in Appeal due to the court case XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXXXX/XX/XXXX I was informed that the Appeal was granted and that my application was approved, which was great! 
In XXXX XXXX XXXX my Loan Servicer, Nelnet, told me that I couldn't recoup the XXXX XXXX that I paid them in XX/XX/XXXX. They said because I had already paid them they didn't have to return it. 
In XXXX XXXX XXXX I talked to the Department of Education and they said there is NOTHING they can do ( So I have already spoken to both Nelnet and the Dept of Education ). 
I feel I should be entitled to that XXXX XXXX. If I had never paid Nelnet anything I would still have the money and my laod balance would have been discharged because I won the Appeal. 
Plus, The orignal Application was wrongfully rejected ( I won the appeal! ) If it had never been wrongfully rejected I would never have paid the balance.

The Ferderal Government sided with me that I was defrauded.

The Loan Servicer, Nelnet, was collection on behalf of " XXXX XXXX XXXX  '' So the players here are : Me, XXXX XXXX Loan Servicer " Nelnet '' ... now called " Sloan Servicing 'XXXX XXXX " XXXX XXXX ''
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (NC)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates of inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am writing to formally request that you block information appearing on my consumer credit report that is the result of identity theft and fraud, as provided under FCRA 605B ( 15 U.S.C. 1681c-2 ). I expect this action to be completed within four business days of your receipt of this complaint. 

The following accounts are fraudulent, inaccurate, and were not opened by me : XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$700.00} XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX These fraudulent accounts have resulted in numerous unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize these accounts, collections, or inquiries as they were not opened, made, or initiated by me. All mentioned accounts are the direct result of identity theft and fraud. 

I have attached a copy of my FTC Identity Theft Complaint # XXXX as proof that these accounts and inquiries are fraudulent. 

Please confirm receipt of this request and inform me of the actions taken regarding my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I am writing to formally dispute the inaccurate reporting of a monthly charge-off on my credit report by your agency. The Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681n, requires credit reporting agencies to ensure the accuracy of the information they report. It has come to my attention that my account is being marked as charged-off on a monthly basis, which is incorrect.

Attached See Notice of Dispute Letter Below
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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. This item found within my credit report is 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 this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NJ)

I reviewed my Consumer Reports and noticed that my date on delinquency is incorrect and it been more than 7 years on my Credit Report. Re-aging my account is illegal and this needs to be corrected as soon as possible. I tried resolving this issue with Nelnet and I haven't get any response and issue was never resolved.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. : Furnisher : Nelnet Account Name : XXXX XXXX Account Number Ending # : XXXX and XXXX and XXXX and XXXX Please investigate and provide Proof with statements showing the accurate date of delinquency. If proof can't be provided I demand these to be updated to the correct date as they should be. Re-aging any account is illegal against the law. causing me damages to my Credit Report. Thanks,