davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see15 USC 41, et seq. ). 

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Madison Management Services, LLC (GA)

I hereby file a complaint against XXXX XXXX XXXX the current holder of a second priority security interest on our residence ( the Mortgage ), and Madison Management Services , LLC, the company currently servicing the Mortgage, collectively hereinafter referred to as XXXX XXXX XXXX XXXX XXXX XXXX has added an improper charge to our account balance causing it to double. Despite our diligent efforts, it has failed and refused to remedy this situation.
Consumer complaint received 2022-09-23
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. (CA)

In accordance with The Fair Credit Reporting Act. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 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 U S DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604 a section 2 it also states a consumer reporting agency can not furnish account without my written instruction.

15 USC 1681 ( c ) ( 5 ) Section states no consumer credit reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than recorded conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has knowledgeable calls to believe the information is in accurate.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

Extremely poor customer service at M & T Bank. 

Over 3 weeks with no access to accounts due to a " legal hold '' block and no contacts from the bank. Still waiting to access my funds... 

Log of events : -- -- -- -- -- -- -- Received mailing for a {$300.00} offer from M & T Bank to switch to Premium Checking as long as {$10000.00} deposited and held through XXXX and XXXX. 

XX/XX/2022 : Signed up for Checking with XXXX online on using offer code " XXXX ''. Was able to access online account. 

Instructed my employer to send direct deposits to my new M & T checking account. 

XX/XX/2022 : Received Docusign and submitted. 

Received M & T debit card in the mail. 

XX/XX/2022 : Direct deposit from employer {$3500.00} XX/XX/2022 : Deposited check # XXXX for {$7000.00} from my XXXX checking account via ATM on XXXX XXXX ( XXXX XXXXXXXX ). 

XX/XX/2022 : XXXX checking account ledger showed that the check cleared and was deposited to my M & T checking account XX/XX/2022 : No longer able to log into online account. Message indicating that the account is blocked and to call customer service. Tried to call but wait times were over 1 hour due to People bank conversion. 

XX/XX/2022 : Direct deposit from employer {$3500.00} XX/XX/2022 : Called customer service ( 1 hour wait queue ) who indicated that the account is blocked for legal hold but I would receive a call back within 7 days. 

XX/XX/2022 : No calls from M & T Bank still, so called customer service again ( 1 hour+ wait queue ) who just transferred the call to Fraud team ( call dropped so had to call back and wait in 1 hour+ wait queue ). Fraud team indicated that the legal hold was still there and should just be " a few more days ''. 

XX/XX/2022 : Went to XXXX to schedule a meeting call with branch. Meeting was confirmed for XX/XX/2022 XXXXXXXX XXXX XXXX with XXXX XXXX 

XX/XX/2022 : XXXX XXXX from the branch never called. Contacted customer service again ( 30 minute wait time ) and they just transferred to Fraud ( call dropped ). Called Fraud line ( 1.5 hour wait queue ), but no new information and finally was advised to just go to a branch. 

At this point, I still don't know why the account is blocked but plan to go a branch as soon as I can to close out my account and withdraw my funds.
Consumer complaint received 2022-09-23
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. (MA)

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the late payment, charge-off, and collection accounts. No changes were made. Below are the inaccurate items from my credit report : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Hello, I was tricked by someone posing as my bank to send money to someone via XXXX. They told me about a possible fraudulent XXXX transfer, then walked me through the steps to prevent the fraud. All the while, they were planning to take the money. Bank of America is aware of this scam. I was given no warning that " Bank of America will never ask you to send money, '' not even a " don't send money to people you don't know '' when attempting the transaction. This is a KNOWN scam, and other banks have sent warning emails about this exact scam. No warnings from Bank of America. 
Now, Bank of America is refusing to return the money from the fraud. They KNOW about this exact scam, again. XXXX bank is refusing to return the stolen money, saying that the account is closed ( of course it is ). But why don't they have any record of the owner of an entire bank account? 
I don't know what to do. This is shameful and horrific. I'm doing my due diligence and contacting all the regulatory bodies, filing a police report, talking to local news outlets, and contacting a lawyer. 
Thank you for any help you can provide.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WA)

I had signed up for a Citi checking account that advertised a {$700.00} sign up bonus. After meeting all the requirements, Citi bank has still not paid out the bonus amount. Their customer service staff gives wrong/different answers every time I call, and in general Ive been getting a run around. Their executive office did confirm that I met the requirements ( as the attachment shows ), Ive sent in my w-9 form, but nothing has happened. For anyone looking to use this bank they should stay away. All they have done is cause emotional distress.
Consumer complaint received 2022-09-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AUTOMOTIVE CREDIT CORPORATION (IA)

I made my last payment after they received the payoff amount. And agreed to refund me {$600.00}. Then stated when I called that they mailed me the wrong check for {$1100.00} and to disregard that. So I shredded it and never received my new check for {$600.00}. It has been weeks now with no resolution.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I had XXXX over the summer. While I was in quarantine, this particular account went 30 days past due. I was not in financial hardship but was sick. I was also having issues with this card 's online management tools, and identity theft I suffered due to my car being broken into. I explained this to the representatives. The first representative said they'd remove the late and late fee no problem. Upon initially trying to handle it himself, He advised that I would have to call back once the payment was posted. Of course, once they received their payment they changed their tune and denied my dispute altogether. I have dealt with identity theft and XXXX this summer. I don't feel I should be penalized by creditors for being sick and having my identity stolen which caused me to have to lend my attention to a host of things I've never had to deal with. It's disgusting that a business I've spent over $ XXXX in the first quarter this year alone is penalizing me in this fashion. I want this XXXX late removed as it is hindering me from the purchase of a business. I am hopeful XXXX will reconsider its position, because I can't see myself doing any more business with them otherwise.
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. (GA)

I sent a letter on XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Several months ago I received a letter from Fifth Third that it had sold my mortgage to XXXX XXXX or XXXX XXXX  Within that time period I was also having terrible problem with the way my mortgage payments were reported to XXXX. Fifth third stated my payments were supposed to be twice what I was paying which was wrong. I wrote to executive management, and the CFPB finally to get some attention. Whenever I called Fifth Third no one answered the phone and no one honored t

he THREE phone appointments I set up. Now I am attempting to reac
h out to them again because if my mortgage had been sold I need the new mortgage acct # so I may refer to it in my ins documents. I never received anything regarding that sale other than a brief letter. 

This week I called my previous contact, XXXX ( XXXX ), THREE TIMES ( Wed, Thur and Fri ) to get assistance and left voice messages THREE times!! He never called me back. Today I then called 1 ) re-financing and 2 ) customer service, Refinancing DELIBERATELY hung up on me and the customer service rep was surly and condescending. He did state my mortgage had not been sold but I remember receiving the letter it had been! 

I have also attached the third complaint letter I sent today to President and CEO XXXX XXXX, because I believe when I write my complaint letters to executive management they are intercepted and never shown to those managers. This could be considered an act of fraud, because egregious wrongs are being covered over and squelched. 

In all, I have no idea who owns my mortgage and therefore how to manage it! I make my payments every month to Fifth Third Bank but I am very unhappy about all this. 

Further, the general culture at this bank is corrupt, and this corruption is deeply entrenched. There is no reason for anyone to perpetrate these many abuses against my account or me. The corporate environment is one of predation and any opportunity these people have to abuse their customers, they will do it!
Consumer complaint received 2022-09-23
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. (NC)

According to 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 Account : XXXX, XXXX XXXX Account : XXXX, XXXX XXXX  Account : XXXX, 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 : 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 with 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 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Opened business credit card with Citizens bank. Bank did not explain credit card terms and how the card worked during sign up. I pay card off every single month on centresuite app. I unexpectedly get a bill in XXXX for {$8000.00} ... .after viewing monthly statements every month on app that states nothing is owed on my account. 
I call citizens business credit card. They tell me that my credit has been hit, i owe {$1000.00} in fees and that the app just shows what is due on the card that is " attached '' to the business card, not what is due on the actual acct. Every payment I made, only goes toward resetting my card every month. The business card was adding up ad attaching monstrous fees to it. I have never heard of any bank or credit card company doing anything like this!!! It is horrible!
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RAYMOND JAMES BANK (CA)

Hello. I recently purchased a home with my family & three of us obtained a home loan together. Our loan was sold within one month of purchasing our home and our loan is now owned by Raymond James Bank ( XXXX ). I attempted to call and discuss my loan with XXXX but they said my name is not listed on the loan/in their system. They would not discuss the loan with me. I have significant concerns about the impact of this on my credit rating. Not having had a mortgage for the last year - after having had one for 15 years- resulted in my credit score going down. It is not in my best financial interest to not have my mortgage associated with my credit. Making mortgage payments & having a home loan associated with my credit help with my credit score. I'm also concerned about problems I may have filing my income taxes. If my name is not shown on the loan with XXXX, I will have difficultly applying the property tax and interest deductions to my tax filings. Worse, I may not be able to do that at all, which will create a significant tax burden for me. XXXX offered me no solution to fix the problem other than to get approval from my family to be able to discuss the loan with them, which is insulting since I am the person making the monthly mortgage payment of {$4600.00}. I've attached the documents proving this requirement. However, all that does is allow me to discuss the loan with XXXX. It does not update their system/records to prove that I am on the mortgage, which has the serious implications I've mentioned above.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (AL)

To whom it may XXXXncern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the followin accounts as I don't believe the information to be accurate please delete from my credit report. 
Please remove the following inaccurate address from my credit report : XXXX amsher collection XXXX # XXXX Finbe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection XXXX # XXXX Professional collection XXXX # XXXX According to the FCRA, XXXX that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of thp Fair Credit Reporting Act
Consumer complaint received 2024-12-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (OK)

XXXX and XXXX XXXX XXXX XXXX XXXX shared my underage son 's ( a protected class member under XXXX and a XXXX XXXX  ) personal information.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

As of XX/XX/2022 I stopped into local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and spoke with a Personal Banker. About not having online access she saw note on account and called fraud department fraud department informed of closing account reason was not given we were left confused me and banker she later found out due to dispute but mentioned how unusual that is since your dispute positively resolved in XXXX and I said I havent had access to the account since XXXX time all I can see is emails that payroll is still going into my account I want this hold lifted immediately online access restored or I will write to the ethics department board of directors of the bank and the state attorney generals office. Due to restricting me from my account and funds with no reasoning given I was provided no notice to my address whatsoever and no online notice to my email as well. 

I seek resolution to resolve this and reverse such a decision on the grounds of no merit and inconclusive findings or I will contact alternative channels and my local news affiliation as well. 

For reference account was opened in XXXX FL I seek prompt resolution to my query.
Consumer complaint received 2022-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (CA)

I received a statement saying that i owed a bill from a company that is due to another. I then sent the company a certified mail and green return receipt. I asked for validation of the debt pursuant to 15 usc 1692g. I never asked for verification which i made clear in the letter i sent. I have not got the name and address of the original creditor. My understanding of validation pursuant to 15 usc 1692g is the debt collector has to provide me with the amount of the debt, the name of the creditor to whom the debt is owed along with other things.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I haven't paid much attention to my credit report and when I checked I noticed unrecognizable companies. 
XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX 2 times XXXX  XXXX XXXX  2 times XXXX XXXXXXXX XXXX XXXX XXXX XXXX 2 times
Consumer complaint received 2022-06-28
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)

In accordance with the Fair Credit Reporting act XXXX  Account Account Name XXXX  XXXX XXXX Account XXXX, has violated my rights. 
Account Name XXXX XXXX XXXX Account NumberXXXX, has violated my rights. 
Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX, has violated my rights. 
Account Name XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

Hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA, XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX These 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 a account without my written instructions