davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (CA)

On XX/XX/22, I called M & T bank in an attempt to close all my existing accounts. I was told my account was inactive, which is fair since I haven't used it in awhile. I was put on hold while a supervisor helped me unlock my account. Then I was told the account can not simply be closed, but instead I had to decrease my balance to {$0.00} first. I went onto XXXX in an attempt to buy a gift card with the remaining balance in my checking account of {$0.00} and the transaction was declined. I attempted again and this resulted in another decline. In my final attempt to clear my balance, I tried logging into my account after I confirmed my username and used a temporary password the phone operator had given me. I still can not log in. I just can not believe the resistance I had to push through which ultimately ended up in failure. It is pretty ridiculous I have to contact the CFPB and waste everyone 's time when all I want is to simply close all my M & T accounts.
Consumer complaint received 2022-07-27
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. (WI)

The credit bureau stated my account was properly investigated, unfortunately that is inaccurate. Many inconsistencies regarding matching data information. They also violated my rights. 15 USC 1681 section 602 A. States that I have the right to privacy. 
15 USC 1681 604 A section 2 States that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-11-22
Product: Credit reporting 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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
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: EQUIFAX, INC. (MO)

I am submitting this complaint to follow up my Previous complaints regarding the fraudulent information on my Credit File. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting that the Credit Bureaus remove the items in which I believe resulted due to Identity Theft. The items I am disputing do not relate to any transaction that I have done or authorized and I never received any benefits from the theft of my identity. I have read that the Credit Bureaus are required to remove any account and information that the consumer identifies as items resulting from the identity theft and was listed on an ID THEFT REPORT. I am submitting this complaint to request that the Credit Bureaus verify the accuracy if the following accounts and remove these items if unable to verify. By the provisions of the FCRA section 605b, I am urging the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : 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 XXXXXXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX Balance : {$4500.00} DP OF EDUC XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX im writing regarding XXXX credit card that was unauthorized and fraudulant account i tried to dispute this and they erased it from my credit and its still there and i tried to file a complaint with CFPB and response came that i was the one who applied for this card but i was not and there is a transactions on it that wasn't done by me.
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. (CA)

My name is XXXX XXXX im writing regarding XXXX credit card that was unauthorized and fraudulant account i tried to dispute this and they erased it from my credit and its still there and i tried to file a complaint with CFPB and response came that i was the one who applied for this card but i was not and there is a transactions on it that wasn't done by me.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a notice of violations pursuant to the Fair Credit Reporting Act. The consumer reporting agencies have violated 15 USC 1681b ( 2 ). I never provided them written instructions to furnish a consumer report on me, but yet they are doing so and with inaccuracies that are damaging my reputation. 

I have recently pulled my consumer reports again today, XX/XX/2022, and find that the consumer reporting agencies are still violating my rights. 

Pursuant to 15 USC 1681b ( 2 ), you are to remove ALL negative accounts as it pertains to me, the consumer and natural person. You are also to mail me a copy of the updates to the address provided. See attachments of the accounts that are to be deleted immediately. 

In the attachments, you will also see all 3 consumer reporting agencies ' failures to ensure the maximum possible accuracy as well which is another violation under the FCRA.
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Avant Holding Company, Inc. (AZ)

On XX/XX/2022 I opened a credit card account with Avant with terms advertised as {$1500.00} limits. I agreed to and opened the account with Avant doing a hard check on my credit. On XX/XX/2022, Avant reduced my credit limit to {$300.00}. Less than 3 months after opening my account, without cause or any changes to my income, employment, or enough time for Avant to evaluate my spending habits, my credit limit was reduced by 80 percent. 
I believe Avant is practicing misleading advertising to entice consumers to sign up for their credit cards, causing hard inquiry on consumer 's credit reports, and after sign up reduce consumer 's credit line to mitigate their risks. 
Avant did not state anywhere on their mailer nor their credit card agreement with me that they will reduce my credit limit after less than 3 months. Had I known this, I would not have sign up for their credit card.
Consumer complaint received 2024-10-30
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-13
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. (AK)

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.

has violated my rights. Or a list of inquiries : 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 2022-07-18
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. (WA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (AR)

A couple of months ago I received correspondence from Sequium Asset Solutions regarding a debt that doesn't belong to me. I sent Sequium Asset Solutions a sworn affidavit via mail validating and supporting my claim. Currently, Sequium Asset Solutions continues to violate the FDCPA and FCRA laws by reporting and violating HIPPA regulation laws regarding the collection of Medical Debt and attempting to collect on debt for fraud victims. This clearly has caused and financial burden by causing premature credit denials.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

THERE IS A BANKRUPTCY SHOWING FROM XX/XX/2019, REFERENCE NUMBER XXXX. I DID NOT FILE THIS AND I HAVE TRIED NUMEROUS TIMES TO DISPUTE IT. XXXX XXXX WANTS ME TO JOIN THEIR SITE WHUCH I WONT DO. AND XXXX NEVER ANSWERS THEIR PHONES OR COUNTLESS LETTERS. 

IT IS IMPOSSIBLE THAT I FILED THIS BECAUSE I WAS INCARSERATED IN PRISON AT XXXX XXXX FOR XXXX XXXX XXXX CALIFORNIA AT THE DATE IS SHOWS. ALSO IF YOU LOOK AT MY REPORT YOU'LL SEE ALL THE ACCOUNTS I HAVE ARE NEW BECAUSE I AM NO LONGER INCARSERATED AND ALL PAID ON TIME. 

XXXX REMOVED THE BANKRUPTCY BUT I CAN NOT GET ANYONE VIA EMAIL, LETTER OF PHONE CALL AT THE BANKRUPCTY OFFICE TO TALK TO. HELP XXXXM TRYIN TO START A NEW LIFE AND BEING A FELON ISN'T EASY. 

YOU CAN CALL ME XXXX OR WRITE ME BACK. 

I BEEN TRYING TO DO THIS FOR OVER A YEAR AND ITS NOT FAIR.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

On XX/XX/2020 XXXX XXXX XXXX made his final payment of {$8300.00} to XXXX XXXX DBA XXXX  XXXX. XXXX XXXX did not receive a satisfaction of mortgage at this time. ON XX/XX/2020 XXXX XXXX received notice that his mortgage has been transferred to Fay servicing. There in after XXXX XXXX received monthly mortgage statements showing payments owed for Escrow ( taxes and insurance ). This is incorrect because XXXX XXXX has paid the taxes and insurance himself since the inception of the mortgage. XXXX XXXX has made several attempts to rectify this issue with Fay servicing to no avail. We do not agree that Fay servicing is owed any money at this time and are asking to help rectify this situation and help the Arcess obtain the Satisfaction of Mortgage that is owed to them. Attached is the loan history detail received from XXXX dated XXXX XXXX which you will see shows that the loan has a principal balance owed of {$0.00} as of XX/XX/2020.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Checks that I did not authorize was deposited into my account I called citizens bank because I did not recognize the checks I asked them to stop it they told me they couldnt stop the checks yet because they have to wait for the checks to clear now they are trying to get me to pay the money because the check was deposited they telling me that I had to pay bounce checks back to them that I never even use in their people couldnt even take out my accountXXXX  my account is closed I cant open a bank account until the money gets paid
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)

n accordance with the Fair Credit Reporting act XXXX Accounts #, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, 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 2022-07-13
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: ALLY FINANCIAL INC. (AR)

In accordance with the fair credit reporting act Ally Financial, have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions my rights have been violated and I want the negative items removed NOW
Consumer complaint received 2023-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

I have a debt collection on my credit report that I dont recognize and how is this account is reporting on my report. I dont recognize the account number I dont recognize the account status or the account high balance nor do I recognize the late payments associated with this. Everything reported here does not meet the FCRA according to 15 us code 1681 1681 b 1681 c 1681 c2. I been in constant communications with this company and they cant even provide information. I filed a report with the XXXX  and identify theft.com as well as put a freeze on all credit report bureaus but its still remains
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

In late XX/XX/2022 I contacted US Bank to remove PMI from my primary residence. Having a conventional loan I knew that this would require me to pay for an appraisal and require adequate XXXX. After initiating the process the bank sent paperwork to be signed and mailed back which was completed in XXXXXXXX XXXX. Not hearing anything for weeks I contact the bank and asked where we were at in the process. The agent confirmed the packet was received and someone from the PMI department would reach out. I asked for a direct phone number as to not delay the process and the rep stated they do not take incoming calls. We waited another several weeks and still heard nothing so I decided to contact the mortgage customer service once again. I immediately asked for a manager ( XXXX ) to ensure I was getting correct information. This truly was the worst interaction I have had with a financial institution. XXXX was abrasive, talked over me, and had no knowledge of the process as he stated he could not locate the complete PMI removal packet which was confirmed several weeks earlier to be received. Not being able to locate the paperwork XXXX initiated the PMI removal packet to be sent again. I filed a formal complaint with XXXX and the correspondence received via snail mail was that they did not receive the payment needed for the appraisal which is not clearly outlined in the packet. In the packet it stated that you will be contacted by the vendor to schedule the appraisal and to collect the payment. ( screenshot attached ) on Friday XX/XX/XXXX XXXX Bank was contacted the PMI fee has been paid.
Consumer complaint received 2022-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NY)

Loan ID XXXX : Date Opened XX/XX/2022 Loan ID XXXX : Date Opened XX/XX/2022 Loan ID XXXX : Date Opened XX/XX/2022 A police report, affidavit, and merchant letter have been provider to AFFIRM in my favor. To no avail, this company has placed this item on my credit report with no response to my request to find out how these items were validated. On one hand the company is telling me that they can not provider me any information because the orders are not in my name. But these items remain on my credit report with weekly updates that indicate a late pay. AFFIRM has killed my credit score I have also asked for arbitration in this matter with no response The 3 referenced accounts have been in Disputed with Affirm. As of XXXX, 1 of the 3 accounts had been place on my credit report and successfully disputed under XXXX. XXXX reviewed the affidavit, police report, and vendor statement finding the information sufficient in my favor and 1 of the 3 accounts was deleted. Today AFFIRM has place the other 2 account on my credit report. In addition, the 2 accounts newly placed show at 2 % and 5 % paid which is incorrect. From the beginning these accounts have been identified as fraud and no payment from me was ever made. The police report, affidavit, and merchant statement indicated that these are not my accounts. Affirm will only state that their review indicates that I am liable. There is not a live person to speak to regarding the findings
Consumer complaint received 2024-08-25
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. (NY)

Human Trafficking debt bondage, which falls under trafficking according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) 1002.142 ( b ) 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable terms which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 )