davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 Equifax
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Experian has dropped my credit score by 70 points in one month. I pulled credit report with them and XXXX there isnt anything that has changed in months. Cant get thru to anyone to talk to. So I would like some help.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Original XXXX XXXX Account XXXX XXXX Current Collector- Union 15 U.S.C.1681 section 602A states I have the right to privacy. In accordance with the fair credit reporting act XXXX XXXX has XXXX my rights. 

604A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (NC)

XXXX is a Collections agency for XXXX XXXX XXXX My account ( XXXX ) ended up in Collections in XXXX as a result of misrepresentation from a consolidation agency. Since then, I entered into an agreement to pay down the Collection debt with XXXX for $ XXXX. This payment was authorized as an automatic deduction from my checking account each month. For some reason, they terminated the agreement, then started sending threatening letters until I called to Re-establish the auto-draft terms of $ XXXX. 

In XX/XX/XXXX, my bank ( SECU ) and I called to receive a payoff balance letter to allow payment this debt in full. The Account was paid and reported as {$0.00} Balance as of the billing cycle ending XX/XX/XXXX. 

On XXXX XXXX, XXXX sent a bill for {$3400.00}. I have not made any additional charges on this collections account, however, XXXX has garnished our XXXX joint income tax returns in the amount of {$3400.00}! 

The pay off balance as of XXXX, XXXX was {$1900.00}. After confirmation from a XXXX representative, this amount was paid off with certified funds from my bank in XXXX, XXXX and the debt was reported to XXXX as {$0.00} balance as of XX/XX/XXXX. Therefore, I do not owe this debt.
Consumer complaint received 2020-11-25
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. (MO)

I continue to receive letters from The XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX advising my loans are in default which is incorrect and a blatant lie. I believe they are trying extort full payment of my loan to keep the information off my credit record. I am current on my loan payments and have been current for approximately several years.
Consumer complaint received 2020-11-18
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)

XX/XX/2014 ACCOUNT NOT OPEN IN MY CONCENT TRUED TO DISPUTE CAME BACK VERFIED ACCOUNT DISPUTED FOR YEAR LONG NO RESULTS COME BACK VERFIED ACCOUNT ON EXPERIAN
Consumer complaint received 2022-11-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

Hello, On XX/XX/XXXX I spoke with Experian cutomer service asking for an Early Exclusion for an account that will be deleted ( fall-off ) XX/XX/XXXX. I Did Not state I was disputing any of the information that was being reported. The agent erroneously submitted a dispute for " inaccurate dates ''. I am very upset that this happened as the original creditor was sent a formal dispute on my behalf that I DID NOT initiate. All I asked for is an EARLY EXCLUSION. There is usually a yes or no answer to that question. I even sent them an email a few days later reminding them that I am NOT disputing the information, only requesting EARLY EXCLUSION. The result of this error is that the information came back " validated ''. Experian should be able to pull the recorded call and email and verify what is being stated is correct.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (CT)

The transition from Peoples to M & T Bank nightmare. Should never have been approved by the Fed. 
Contrary to what they M & T told me/us as my Peoples debit card would work until the XXXX of XXXX, it was declined around 2 weeks prior shopping for food, gas etc... 
I called the # from emails they sent if you hadn't received your debit card and my phone died after a few hours. Tried a few days in a row until i called a # they had on their inaccessible website ( at 1st ) and complained to a women from the loans dept I think who had one sent to me days later. It didn't work until a few days. 
With Peoples Bank I had bank to bank transfers set up and they it should have stayed the same during the transition but wasn't. I have attempted to set it up again at least twice where my other bank would send 2 ( under {$1.00} amounts deposited to my M & T account. I was maticlus on the routing # s and acc #. Nothing shows in M & T. The other bank have sent me 2 emails claiming success in sending the now 4 different amounts. I went to the XXXX branch on XXXX XXXX and they just said they dont see any deposits. I tried in XXXX and XXXX. The IRS sent me an Email saying they will be mailing my tax refund due to no acceptance at the bank I had chosen. Pretty it was Peoples since the other bank is where I have my SS checks sent to.There is a web page on XXXX called " M & T Bank XXXX a place for victims '' with more sad stories. I suggested viewing it to the the senators Email I responded to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 12 days ago ) XX/XX/XXXX Dear Information for an account at another financial institution was recently entered into our home banking system. Trial deposits of less than {$1.00} into this account have succeeded. Please check your statement to find the amount of these deposits, then log into our home banking system and click the verify link next to the newly added external account. 

There is another same email from my other bank also from earlier last month. 

My account had an amount in RED text, I tried paying. It has a minus sign in front of it and I still have no clue as to why, after calling and speaking with a supervisor last week. I t wouldn't let me pay and deducted from my overdraft line yet I was told it was not being deducted. Sigh.
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

I had attempted to set my account on auto-pay, also attempted to use my reward points towards my bill, both of which does not work on the website, it freezes. Because of that I was charged late fees. Being a customer of several years, I don't normally get late fees, I do not think it was a fair assessment and now have to pay extra late fees on top of the high percentage of interest rates I'm already paying.
Consumer complaint received 2021-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

In XX/XX/XXXX I was requested by Paypal to confirm my identity by submitting a photo of my ID and a proof of address. I provided a copy of my passport and a proof of address issued by a government agency to confirm my identity, but the proof of address was not considered valid. Therefore, I sent another proof of address, issued by another government agency, but it was refused for the second time. On XX/XX/XXXX, I was informed that my PayPal account was closed because of security issues and that my balance of USD XXXX would be held for 180 days. 

After several attempts over the course of the years XXXX and XXXX, in XX/XX/XXXX I was finally given the option to withdraw my fund by linking a bank account and transfer the funds. Unfortunately, I can not link the bank account as expected and receive the following error messages : " Sorry, were unable to link that bank because it is disabled. Please try another bank. '' or " This account needs a little help to link it. Contact us and we can help with that, or you can link a different account ''. I have contacted customer service without success as the customer service representatives can not help me solve my problem or give an explanation as to why this is happening. Their only suggestion is to try again after 48 hour. It is worth mentioning that I have waited 72 hours before each call, but I keep getting the same results. I have let the representatives know about this situation, and they say they can not give any other solution other than keep trying every 48 hours. I have been calling every three days for a month now with no luck. I feel hopeless with my funds being trapped. 

Therefore, I respectfully request your help in solving my problem and get Paypal to allow me to withdraw my funds that I earned with honest, hard work and that I very much need.
Consumer complaint received 2022-08-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credova Holdings Inc (TX)

Date Opened : XX/XX/2022 ( during pandemic ) credit balance of {$6600.00}. 
The first attempt making an special appearance to understand what information was assumed to be. In an attempt to collect a debt credova financial services, authenticated a mortgage using my identity. identity theft is a crime and is reported. violated my personal identity 18 u.s.c1028.4 identity theft 15 u.s.c 1681 a obtaining persons information to file a consumer report as an estate or subdivision agency or government agent. Fraud of information whoever knowing and process identification authentication or false defraud using electronic signatures. I see XXXX XXXX XXXX standing by including to XXXX XXXX XXXX in this collection. A financial interest, a report was pulled under false pretence which is identity theft. This is a claim and debt under mortgage. I have the right to due process. Delete terminate and remove immediately. Please remove. A loyal patron.
Consumer complaint received 2022-07-18
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXE XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$3000.00} REC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A THE XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00}
Consumer complaint received 2022-03-27
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. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 40 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated
Consumer complaint received 2021-08-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (CA)

NCB Management Service has removed the scheduled date that this account is scheduled for removal from their entry, or the date of first delinquency, listed on my XXXX  Credit Report. It appears that NCB Management Services is re-aging debt that is now past the California statute of limitations.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 


XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-27
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: CLGF Holdco 1, LLC (FL)

This is not sent in error, on XXXX XXXX, my information was used to open a Store credit card that I didn't not agree to. I contacted the company XXXX XXXX XXXX and Genesis FS to have the inquiry and card closed .However they continuously transfered me to other employee and not the fraud department. Every employee states they do not have a fraud department.However this is a violation under multiple laws : -under 15 U.S. Code 1602 ( p ) - unauthorized use of my information -Misleading False Reporting FDCPA Section 807 -This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

Dear Sir/Madame, At XXXX of XXXX we sent the payment in US dollars from our account in XXXX ( XXXX ) to XXXX via the Bank of New York Mellon as a payment by contract ( buying a sanitary ware and accessories for a bathroom ). 
Amount : USD XXXX XXXX : XXXX Senders Reference : XXXX This payment was not received by the payment receiver. 
We tried to cancell this payment but we didnt get an answer. 
Please, let me know how we can get back our money. 
Thanks in advance. 
Best regards. 
XXXX XXXX XXXX
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TX)

A {$740.00} refund was sent to my Regions bank business account on XX/XX/2022 from XXXX business. The owner of XXXX, XXXX, has documented the cash out of her account and should be refunded to me. Our communication is attached showing she agreed to refund, money is out of her account and the routing number confirming the refund was sent to Regions bank. 
Regions bank claims that they have DENIED the {$740.00}, It is not in my account and they have not credited it back. Regions has been denied to credit it back. 
XXXX has not got the {$740.00} back either. 
Where is the money?
Consumer complaint received 2022-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

I got a car loan from Fifth Third Bank. It was to finance and purchase a car that my sister had leased. The leasing company applied and found the loan for me, I agreed to the loan, they sent me documents which arrived late, I signed and returned them. 

I was told by the leasing company that I would have a XXXX - XXXX month grace period from the date I signed the loan to begin payments. 

Fifth Third Bank started my due date something like XXXX weeks after they paid off the leasing company. 

I contacted them and asked my monthly due dates to reflect what I was told and for the late fee to be credited. I did this via the online chat portal. I also asked for the documents stating the loan terms and amortization table to be mailed to me. I believe this was on XX/XX/XXXX. As of today XX/XX/XXXX I have not received anything and no one has contacted me. 

Instead of the XXXX $ late fee being credited, I was charged XXXX $ twice. So my balance owed grew by XXXX XXXX 

Customer service is very unresponsive. I have contacted them numerous time.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (IL)

I applied for a Credit Card with XXXX via Citibank NA. I received that card and have no problems with that account. 

About 3 weeks later, I received an unsolicited Credit Card from XXXX XXXX XXXX. This card is also issued by Citibank NA! 

It appears they are either opening a new account without my permission ; OR, have been hacked and someone is opening a new credit account in my name.
Consumer complaint received 2021-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

Someone opened a credit card account in my name with Comenity Bank/Sony Visa. I have been in correspondence with representatives from Comenity Bank since XXXX, 2021. I have informed Comenity Bank that I did not open the account. The person who opened the account used my personal information and assumed my identity. On XXXX, XXXX 2021 I sent Comenity Bank a letter with the FTC Identity Theft Report. Comenity Bank has ignored my claims, stating that the information they have that was used to open the account is my information appearing on my credit report. Comenity Bank representatives continue to call in a harassing manner.
Consumer complaint received 2022-06-29
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: EQUIFAX, INC. (TX)

15 U.S. Code 1681i section 5 ( D ) ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. accounts XXXX account XXXX, XXXX XXXX XXXX account # XXXX This accounts by the other consumer reporting agency were found inaccurate information and Removed
Consumer complaint received 2022-08-20
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)

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 items 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 any item 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX Balance : {$8800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$930.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2015 ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; 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.