davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: M&T BANK CORPORATION (PA)

The images I will upload to this complaint are dated, top left corner of my phone screen I have a permanent date bar, which I set to be always on for the purpose of taking screenshots of my bank account with the date in the shot. Images will show exactly the scam I'm about to explain XXXX XXXX personal checking- no pending transactions XXXX XXXX personal checking- no pending transactions, but a processed transaction pre-dated for XX/XX/XXXX. This transaction momentarily took my account negative, however I immediately transferred money from my business account to cover the negative amount. 
XXXX XXXX even though I added more than enough money to cover the pre-dated transaction, M & T bank still charged my an overdraft fee They do this ALL THE TIME. Transactions are listed nowhere, not even pending, then a day later they show up pre-dated for days before. The only reason to do this is to manipulate the transactions to STEAL an overdraft fee. 
This is 1 instance. I have ATM receipts and pictures of my account that prove this is a regular habit for M & T bank.
Consumer complaint received 2020-05-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (VA)

I feel Advance Financial based out of XXXX Tennessee practices predatory lending practices.The rates they charge to consumers I feel in some states .I am in the state of Virginia making their borrowers impossible to repay back the loan.The company wont even allow you to pay back what you owe.Example loan taken out for XXXX.Balance should be about XXXX if you account normal lending practices for rates.They tell you your payoff is XXXXAlso They take out unauthorized ACHs out of your account for any amount with out providing dates or amounts to the consumer after being told that they would not take out any ACH payments.Not notifying their clients by any type of letter.Causing extra fees.This finacial institution falsely advertised fixed payments however in turn makes the interest rate so high if your a day late to make it impossible to pay back the loan even if you wanted to pay back what you owe.They prey  into people who are in informed with lending practices and fall on hard times and peoples desperation.They need to be monitored as to what they are charging people and unauthorized debits.
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (MD)

I filed a complaint with NFCU They dont take it seriously. 
Somebody called me for 3 days and did not leave a message On the fourth day somebody named XXXX called and said she wanted to explain how I am using my card wrong. 
They dont take it seriously. I am going to contact the FTC and hire a management company to prove my issues. 
I want a 3rd party intervention. I do not want " XXXX '' to call me to tell me how I'm using my card wrong. 
How dare they make a joke out of it.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

I have a real estate mortgage loan from PENNYMAC LOAN SERVICES, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called PENNYMAC LOAN SERVICES and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and PENNYMAC LOAN SERVICES with no successful resolution. XXXX, XXXX, and XXXX   reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (AZ)

Originally filed a complaint ( XXXX ) against Collection Bureau of America regarding this account not being mine and that they need to cease reporting to my credit. I have filed a credit dispute indirectly through the XXXX  and also directly via email. Collection Bureau of America responded to the original complaint advising this is not my account and they were going to delete the trade line. This has not happened and they are still reporting to my credit. They are impacting my credit score and are causing me issues well trying to refinance stuff for lower payments and APRs. This is disappointing that this company has been notified multiple times through multiple different channels that this not my account and yet they have failed to delete this my credit which is a violation of the law. Also they have admitted this is not my account and yet they continue to report. My name is not XXXX XXXX and I don't live at XXXX XXXX XXXX in XXXX.
Consumer complaint received 2022-10-12
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. (IN)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2021-03-26
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 — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

I was divorced in XXXX. Mortgage granted to my ex. quit claim turned over interest of the property to him. Property has been in and out of foreclosure for XXXX XXXX. No papers, modifications or financial info given or signed by me. Loan went from XXXX to XXXX within that time. I just want it removed from credit and a release of liability done. I have called the mortgage company repeatedly thru the years asking them to foreclose. they disregarded them all. and now my financial responsibility with this matter has doubled even though I have agreed to nothing and signed nothing. It is finally foreclosed on and they have nothing further to gain from me. SEE the email below that I sent to them asking for them to ethically make this right. This is the resolution I am looking for. MORTGAGE Servicer Sps Select Portfolio Services original mortgage XXXX XXXX property.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters 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 complaint.
Consumer complaint received 2022-09-27
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-12-07
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: WELLS FARGO & COMPANY (CT)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have made substantial payments on my credit cards over a month ago with no change to my score. My issue is with XXXX, XXXX and TransUnion my score has not changed until today but it still has incorrect balances on both cards, my score went up 35 points but it still says my balance is 90 % of usage, which is false. I made a payment of XXXX dollars on my XXXX  XXXX card on XX/XX/2020, followed by another payment of XXXX on XX/XX/2020 this card number ends in XXXX. The amount used is XXXX dollars on my credit report it has said XXXX dollars which is over 90 % of usage which is false. My second card dispute has a blance of XXXX dollars yet it said I have used over XXXX which is also false. I am trying to buy a home yet XXXX  and Transunion are not helping me resolve this issue. Thank you attached are my current account balances for both XXXX  XXXX cards with the amount available.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-04
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX XXXX  : # XXXX XXXX XXXX  XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX : # XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 


15 U.S.C. 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 2020-05-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

This complaint is closely related to the previous under # XXXX in which Citizens Bank provided fraudulent response. Therefore, in this complaint there are two issues : 1 ) " floating '' interest rate on our credit line secured by our residence is closely related to the Federal Reserve interest rates. Federal Reserve currently reduced interest rate to '0 ' but Citizen 's bank did not reduce its interest rate on our credit line at all, not even for a quarter of percent. Their claim that " new rate of 2.5 % will begin after the XX/XX/2020 was a fraud. The rate is still 4 %. 2 ) Citizen 's bank failed to explain the reason of why the interest for XXXX was {$130.00} and interest for the following month increased to {$140.00} although {$1300.00} was paid towards the principal. No any computation to justify that interest was provided! CFPB should not accept fraudulent responses by the bank!
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back to me stating that everything is verified correctly. My credit report is still showing inaccuracies. 
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 2023-01-19
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. (TX)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BMO Bank, N.A. (MI)

On XX/XX/2021. I received a debit card from BMO Harris Bank for a checking account that I did not open. It was clearly an ID theft issue. I filed a report with the Federal Trade Commission XXXX report # XXXX XXXX, the local police department. I contacted the BMO Harris bank multiple times via phone calls and email with the documents they requested since then. Till today I did not get any written communication from them. I was not even allowed to talk to an associate with their Fraud department ( assuming they have one ). Every time I call BMO Harris, they play ping pong for an hour and then they say we are working on it ... 

This is a bank that opened a checking account for someone out of state without any usual verifications that decent banks do. 

Any help is appreciated.
Consumer complaint received 2020-07-06
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: Bread Financial Holdings, Inc. (OH)

Recently, I disputed the validity of an alleged collection account, with XXXX XXXX XXXX, and " XXXX XXXX/Comenity Bank '', which appears on credit reports with XXXX, XXXX, XXXX, and XXXX. This is an error. I contacted XXXX XXXX, on XX/XX/19, via Certified USPS Mail ( XXXX ), to dispute the account and balance, request a transfer of debt, and other information. On XX/XX/19, I did receive a response. However, XXXX XXXX, did not provide any requested materials, or attach any documents, whatsoever, only a statement from their Disputes Department. I again contacted, XXXX XXXX, on XX/XX/19, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/19, stating this response was unsatisfactory, and demand material evidence. XXXX XXXX, never responded. In spite of failing to honor my request to provide the information, or delete the alleged account under the Fair Credit Acts, XXXX XXXX, and Comenity, continue to report this account in error to credit reporting agencies.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX, I contacted American Express, to dispute the validity and balance of their alleged account under the Federal Fair Credit Acts. They received the notice, via Vertified USPS ( XXXX ), on XXXX, XXXX, XXXX. I did not receive and documents within 30 days. But, American Express, continues to report to credit agencies a valid account exist to credit reporting agencies, instead of deleting that information as requested. Please see the attached validation letter and receipts.
Consumer complaint received 2020-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Im dealing with shellpoint mortgage and my loan is paid off and im having trouble getting my release papers and they owe me for a overpayment. Im trying to remodel my house and I can not take a loan out on my house because of shellpoint holding my information and I heard they have withheld a lot of customers release papers and not refunding them in the past and have several lawsuits. I been calling for a month now and I get no response. Someone really needs to do a investigation on this company.
Consumer complaint received 2022-11-30
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. (FL)

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 corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (IL)

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquiry on my report that I never authorized, I have not signed or applied to any of this creditor or company who posted hard inquiry on my report. Therefore, I have come to you, the credit reporting agencies to resolve this issues. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. This is not mine : XXXX  XX/XX/2021 this item above should be removed from my report immediately.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (IL)

Caine & Weiner is attempting to collect a XXXX dollar debt that they are reporting to the credit reporting agencies that they are the original creditor. I am not aware of any alleged contract that I have with them. They are saying the account was opened on XXXX XXXX XXXX 
Remarks are showing that it was placed into collection but was never told who it was sold to. I believe this to be defaming my character and violating FCRA