davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: M&T BANK CORPORATION (NV)

I have an account with M and T bank for 2.5 years and I tried to call them to ask about how much interest iv paid for the past 2.5 years on XX/XX/2022 Saturday. My payment is due on the second. I can't get a hold of anyone except an automated system and when I got a hold of a representative once she asked for my name and social sending me through 5 automated unsolicited advertisments than I hear good bye at the end of the call suddenly. I have a secured loan with them so I take this seriously. I can't get a hold of the bank and I'm being going to be charged more interest because I am unable to talk to anyone and my payment may not even get made because no one will answer the phone plus these advertisments are completely unacceptable and unwelcome.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (WV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted a dispute to the 3 credit companies threw XXXX XXXX. I was a victim of identity theft. I have addresses I was not associated with on my credit profile places of employment, collection accounts, and bank accounts all that were not associated with me. I have provided all the paper work and proper documentation and legal information pertaining to my situation and how its affected my credit from fraudulent. Once the disputes were all finalized the addresses and fraudulent accounts were removed and put my credit score to XXXX. Equifax and XXXX removed some of the fraudulent accounts but left some and etc. Im sending the proper dispute to have these items that were not related to me removed and COMPLETELY fixed this has ruined me financially.
Consumer complaint received 2022-08-30
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: SELECT PORTFOLIO SERVICING, INC. (PA)

Divorce proceedings started XXXX finalized XXXX ex spouse was ordered to refinance via servicer modification was done in XXXX solely with ex spouse. I never signed anything beyond XXXX. I wrote directly to servicer and servicer returned a copy of my signature from XXXX and blank for XXXX via ex spouse modification however none of this was known to me at that time. Instead of servicer stating reason for communication was a dispute, they listed reason for communication was a name change? I also attempted several times to dispute information on credit reports and including returned to court in XXXX due to defendants noncompliance. Judge stated if issued remained unresolved, return so it can be enforced not excluding property being sold. Dates and signatures aren't adding up. I never signed anything post XXXX regarding loan.
Consumer complaint received 2023-01-29
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account ending in 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 an account without my written instructions. 

XXXX XXXX XXXX granted me a Forbearance XX/XX/2021 after a XXXX XXXX  XXXX XXXX I submitted all of my paperwork for a mortgage adjustment and hired VA 's from the XXXX lost my information causing an invalid negative reporting on my credit report. I disputed through all 3 credit bureaus demanding a reinvestigation and XXXX XXXX  stated incorrect information. I submitted loads of documents to prove my case. XXXX removed it then added it back without explanation. This is illegal and fraudulent. Then XXXX XXXX sold my loan to refrain from pursuing further.
Consumer complaint received 2023-01-09
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XX/XX/XXXX called portfolio recovery spoke to XXXX XXXX I told her the debt needed to be removed since it was eight years old inception XXXX, she said no that there was a payment of XXXX paid XX/XX/XXXX I said neither myself or x paid this I asked for copy of payment she could not provide and said I had to pay I told her I could do a settlement because I was recently laid off at first would not take amount they said ok I asked for it in writing and she said she could not give me in writing until I gave my payment info routing acct number. Which I did not give since she was unwilling to give me anything in writing the debt is eight yrs old, they could not provide me documentation requested. She said this is not a judgement yet but rev by attorney and would be. This is wrong I tried to no avail Thank you XXXX XXXX I spoke to the rep at XXXX
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WI)

My XXXX statement from Best Buy had a charge on it that I did not make. I called the company and explained to them about the charge. They said they would investigate. On XX/XX/XXXX I received their findings by mail. Even though I do NOT know the lady that made the purchase, her mailing address or her email address, Best Buy said I was still responsible for the the purchase, which was for two watches bought from XXXX XXXX on XX/XX/2022 in the amount of {$1100.00}. None of the lady 's info is linked to my credit card and I never gave her permission to make the purchase. I don't think I should have to pay for something I didn't buy or authorize someone else to buy. Any help or info would be appreciated. 
Best Buy Credit Services XXXX XXXX XXXX XXXX XXXX. MO XXXX
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX I deposited a U.STreasury Check that was provided to me by the XXXX XXXX after I paid for Burial Expenses for my Father who Passed away due to XXXX XXXX. BofA put a Hold on the check due to reason that the check stated that the check could be returned because it had been written on the check. I have a copy of the check from XXXX and it does not indicate that in the front or back of the check. They put a 7 day hold without informing me at the counter. The teller told me it was a hold for XXXX. I called BofA and they said they would honor the check and give me access due to my Father XXXX XXXX. They they put it back on hold and I spoke to another mgr whos said their Employee made a mistake. I believe they should honor the check and not give me a cheap excuse. My Father and I are Veterans of the XXXX XXXX we have served our country faithfully and would do it again. Unfortunately for my Father he XXXX XXXX due to the XXXX XXXX and the effects of XXXX XXXX. I just want them to honor their original reason why they lifted the restriction and they understood the circumstances that I paid for my fathers burial costs. I have Been hung up on and called again and was neglected by the manager XXXX. Now he put me on Eternal hold probably hoping I will hang up because by him doing this to me. Can Veterans get some Sympathy and consideration for Helping to keep our country Safe? and help these citizens live with the Freedom we all Enjoy? Pleas help me on any way you can. It would be greatly appreciated by me and my Father.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NC)

I am writing this letter due to the actions that XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2022-08-30
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 (ID)

On XX/XX/XXXX, I contacted Venmo about an unsatisfactory e-mail I received from them. It was trying to alert me to my account having been accessed from an unknown device. That is not what really happened. I accessed my account using a device that I had used many times previously -- it should not have been unknown. I questioned the value of such an alert since obviously something was wrong on their end. At least three different customer service agents at Venmo misinterpreted my inquiry, thinking I was raising a security alert. I was not -- there was never any doubt that I was the one that accessed the account on my usual device. 

Now Venmo has frozen my account so that I can not even close it. To close it, they want me to send a picture of my government-issued ID and a picture of me holding the ID. This is because of their so-called security concerns. I do not trust them with this information nor do I think I should have to jump through hoops to fix a problem that they created through their own incompetence. 

I did finally talk to a Venmo agent on XX/XX/XXXX who read the issue documentation from the start and she apologized profusely for the errors in how it was handled. However, because the matter had already been forwarded to a specialized team, she could not intervene. 

Venmo may want to refer to the following case numbers -- XXXX, XXXX, XXXX and XXXX ( the last one being the original case number ). 

Unfortunately, it is not practical for me to provide copies of correspondence. All of my complaints are done online on their website and they are not in a form that I can retrieve like an e-mail. Their replies are by e-mail but are useless -- they never address any of the issues I have brought up. I am attaching a copy of the chat transcript where the one agent recognized how badly Venmo had screwed things up.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and XXXX XXXX making me unable to achieve financial freedom and stability.
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

A bank account statement was received by an associate of mine at an address I have not lived at in over XXXX years. This account was for a checking account with Bank of America. 

I have confirmed with Bank of America that the account exists, and contains my information. This account is not one I have created, and I have not been able to actually speak to an individual at Bank of America regarding it. The Fraud department is unreachable via phone, and no emails have been replied to. 

I am concerned that this account was opened using my social security number, and will have a negative impact on my financial health.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (DC)

I requested the closure of my checking and savings account on XX/XX/XXXX. I noticed that both of my accounts have disappeared from my online account ( I still have a credit card with Citi ) and I am still being charged monthly fees on the saving. Yet, I have to pay XXXX dollars. 
I contact the customer service and the banker, however, they could not give a concrete answer about the resolution. The customer service told me to go to a branch, branch told me to go to customer service.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

THIS ACCOUNT IS BEING REPORTED AS A CHARGE OFF WITH A BALANCE OF {$7300.00}. THIS IS A CLEAR VIOLATION OF MY RIGHTS UNDER THE FCRA AND FCRPA. BALANCE IS ALSO BEING REPORTED AS INCORRECT AND NOT IN AGREEMENT WITH THE OTHER TWO MAJOR CREDIT BUREAS.
Consumer complaint received 2022-08-30
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. (TX)

There are unauthorized hard inquires from compaines XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute an account on my credit report that I know contains inaccuracies. Under the Fair Credit Reporting Act, specifically 15 USC 1681e ( b ) and 15 USC 1681 ( 5 ), I am entitled to have accurate information reported. 

The account in question is ( XXXX ) associated with ( XXXX XXXX ). Upon reviewing my credit report, I have identified several inaccuracies that do not accurately reflect my credit history. I request that you investigate this matter and update the account to reflect accurate information. 

Please be aware that, according to the aforementioned sections of the Fair Credit Reporting Act, all information reported must be 100 % accurate across all three credit reporting agencies. If this request is not fulfilled within 30-45 days, I will proceed with litigation to seek damages of {$1000.00} for each inaccuracy found on my report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX I see that XXXX is the only credit burial that applied the attention to my other laters and made an update to this late payment. All I am asking at this point is for XXXX XXXX Experian to update this payment to paid in full or on time as XXXX has done. 



The following attached document of the bank statement is prove that I summited a payment to XXXX XXXX the XXXX of XXXX in XXXX which is the time they reported me as late.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (PA)

I have been a cardmember of American Express for 26 years. I noticed my minimum payment getting higher and higher and I was barely using the card. I started reviewing my statements and realized not only was the APR going up on new purchases, but purchases from way back in the past. I had no idea that they could raise rates, except on new purchases. Now I can not afford to pay this and every payment I make is not making a dent in the exorbitant rate ( at one point it was 12 %.. then it became 16 %.. then 20 % .. now the rate for past purchases is 22 % and the APR for purchase is around 26 %. I never miss payments so this isn't a penalty. 

I contact American Express and the best they could do is lower APR by a point .. which is still making me unable to pay my bill. It seems like I am totally at their mercy to charge whatever they want, whenever they want. And I am never late on any payment so I have no idea why I am getting penalized this way. 

I do not recall this ever happening and I do not recall seeing any communication on this.
Consumer complaint received 2022-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Carrington Mortgage Services , LLC ( Carrington ) is in violation of Regulation Xs loss mitigation procedures by failing to implement an FHA Covid-19 Advanced Loan Modification agreement accepted by the borrower prior to the transfer of servicing to Carrington. 

For more information, please see attached letter and supportive documents.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (FL)

Creditor has continuing to report a private loan that has exceeded 7-year period on my credit report. While checking my credit report, I notice an account from NAVIENT that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent certified letter, to all three credit bureaus ( See attached ) letting them know that NAVIENT was reporting obsolete information on my credit report and so far, I have not gotten a respond from them. I am asking you to please help me to have this information removed from my credit report.
Consumer complaint received 2022-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp. (IL)

On XX/XX/2022 I received an email from XXXX XXXX  identifying himself as a debt collector stating that he was collecting on behalf of XXXX XXXX XXXX from original creditor XXXX XXXX  I received approximately 18 emails regarding the collection of True Accord Account # XXXX and every email XXXX XXXX  informed that my aledged account was red flagged from an outstanding debt totaling {$4100.00}. This account XXXX XXXX  was discharged and reported to the internal revenue service as an 1099C After receiving the collection emails without my authorization an consent I submitted a request fro validation under the fair ebt Collect FDCPA & FCRA Until this day they are continuing to report unverified information on my consumer file, True Accord also failed to validate the debt as required by federal law and under the new fair credit practices guides lines that are currently being implementation by the consumer fair credit beurer. I am requesting that the CFPB conduct an ivestigation into the unlawful collection practices and negative reporting agencies.
Consumer complaint received 2022-08-30
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Lending Services LLC (DE)

I previously advised this company several time I dont wish to revive any contact, via calls and mail. I spoke with several representative and told them to place my account on Do Not Call. Ive still have been receiving calls and now to another number that was skipped traced by one of the representative. When I spoke to a supervisor today by the name of XXXX she tried to get my to verify information XXXX as vehicle and address I told her I dont wish to do so. I told her i received a call and my account is listed under do not call. She told me she can see that information apologized for call. She then proceeded to tell me Im getting calls because I owe I balance. Which is yet another violation because I dont verify my information with her. This is now the third complaint on this company about calls from me