davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX XXXX, am writing to complain about wrong information on my credit report. Following addresses are inaccurate and not my current or current address. XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The following inquiries are on my report that were not applies for me by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers on my report are not accurate or current : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE DELETE AND REMOVE ALL INACCURATE INFORMATION IMMEDIATELY.
Consumer complaint received 2023-07-08
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. (GA)

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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (NJ)

I responded to a {$300.00} bonus promotion to open a checking account with M & T Bank. 

cash bonus offer for the MyChoice Premium Checking account found the following is stated for this promotion. Please note this information may be found on the promotional flyer as well : We will credit one {$300.00} bonus to the account ( " Premium Bonus '' ) for new accounts opened between XX/XX/2018 and XX/XX/2018 if the account receives at least {$10000.00} in total deposits and credits by XX/XX/2018 and if the average daily balance maintained in the account is at least {$10000.00} during your monthly service charge cycles ending in XX/XX/2018 and XX/XX/2018. The account must be in good standing at the time the Premium Bonus is to be credited. The Premium Bonus will be credited by XX/XX/2018. The Premium Bonus is reportable for tax purposes, is not available in all regions and is not available to employees of M & T Bank or any of its affiliates. This offer is nontransferable. A {$50.00} early close-out fee applies if the account is closed within 180 days of the date the account was opened. Primary signer on the new checking account may not be or have been a primary or secondary signer on any M & T personal checking account within the previous six months. Only one Premium Bonus will be awarded per customer. The Premium Bonus is not available to customers who have already received a bonus in connection with a personal M & T checking account within the preceding twelve-month period. 

I opened the account on or about XX/XX/2018 and transferred {$10000.00} to the account thereafter. My account service charge ending cycle of each month is XXXX or XXXX. 
After maintained the balance of {$10.00}, XXXX through the XXXX cycle, M & T bank has refused to credit {$300.00} to my account. Several of its representatives stated the cycle ends " XX/XX/2018, but it is not what the term states when I opened the account. 
I sent a request to M & T Bank ' CEO, but no response either.
Consumer complaint received 2023-07-10
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. (TN)

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : .XXXX  OPENED XX/XX/XXXX FOR {$130.00}XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX FOR {$230.00}, XXXX  XXXX  OPENED XX/XX/XXXX FOR {$240.00}, XXXX OPENED XX/XX/XXXX FOR {$190.00}, XXXX OPENED XX/XX/XXXX FOR $ XXXX LAW WHEN A CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY XXXX THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

XX/XX/2017 .amount {$620.00} collection. My report includes accounts with a reported name that is different than mine. 
I dont recognize the accounts in question. 
The report shows I owed money to an account that is not mine. 
The current status of my account is not correct.
Consumer complaint received 2018-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MI)

Nelnet claims that I " missed '' payments but can not tell me when I missed those payments. The consequence of missing a payment is that I have been removed from an incentive program for a 0.8 % interest rate reduction. I have been alleged to be delinquent. However, I have been on an IBR for years. I called Nelnet multiple times to get evidence of when I missed a payment. Nelnet officials repeat the line that I became ineligible for the incentive program due to missed payments. But they can not find the specific information of when or what payment I missed. I am worried when a loan provider uses the word " missed '' which has negative connotations in the credit industry. I am also worried that I have been wrongly removed from an incentive program. I have not missed any payments.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (CA)

I opened a " any deposit checking account " online and submitted the proper documentation and got approved. Used my checking account for about 30 days then the bank suddenly out of nowhere closes my account asking me to go into the branch. Once I'm in the branch, the employees tell me to go home and they will give me a call. Well they never did. So i make another appearance and get helped by a XXXX manager who explains that the bank suspected me of being a fraud, but me being in branch with a valid government ID would get them to re open my account and get access back which it did. Same week the account gets closed again. I visit the branch and they turn me away with another promise to have a manager call me. This time I just opened another account online because my app suggests it.. same thing, submitted my documents and got approved. and so i procedded to used that one instead waiting for a call from that branch that never came. 
. Same thing happened again. Random online access blockage and a blocked debit card. I go to the bank ready to not go home and wait like they have suggested before but demand answers and service. I was lucky enough to be greeted by a manager who proceeds to tell me my debit card was reported hot and the account was closed and its a final decision. When I told her that doesn't make any sense to me and I have no idea why this was happening she just looked at me like I was a crinimal. It's my account and my money!! Why do they treat me like garbage and at that not tell me why. Her assistance to my horrible news was " you will receive a correspondence from them through the mail '' the manager didn't even offer me to withdraw my available funds .and when I asked her for my money her reply was " I don't have a cash drawer, you can try with one of the tellers '' at this point I'm just shocked and embarrassed so I just left. I'll be returning tomorrow morning to withdraw my funds. I don't know what will happen if they don't let me. Why couldn't the manager give me any real service? The bank itself is horrible and known to be involved with scandals.
Consumer complaint received 2023-07-08
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. (FL)

I, XXXX XXXX, am writing to complain about wrong information on my credit report. Following addresses are inaccurate and not my current or current address. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE DELETE AND REMOVE ALL INACCURATE INFORMATION IMMEDIATELY.
Consumer complaint received 2018-11-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Americor Funding, LLC (NC)

Disclaimer : This did not result in an actual loan, but this company 's practices could harm many people looking for some financial relief. 
We received an offer in the mail from Fast Loans Funding, advertising a personal line of credit totaling {$30000.00}. that would reduce our monthly payments from {$620.00}. to {$150.00}, and there would be no interest and no payments for 12 months. " Simply call ... and receive your line of credit in just a few weeks that you can use to pay off your high interest credit cards. '' The communication included the XXXX  logo and touted that they had an A+ rating. The offer said that we qualified for a consolidation loan of {$20000.00} with an added {$10000.00}. Our average interest rate would be 3.99 %, and our minimum monthly payment would be {$150.00}. So we started the process giving them all the info required for a loan application. XXXX XXXX, a customer service rep. Called us several days later to say we were approved. Next, they wanted to walk us through the plan. They said a secured trust fund would be established for us and we should pay {$550.00}. per month into that account for 12 months, and that we did not need to pay our other bills. Where's my {$550.00} a month going? They were actually telling us that by not paying our bills, the collection agencies would be willing to offer a much lower pay-off. I could not believe they were advising people to do this, and I'm sure many people fell for it. I told the rep ( XXXX XXXX (@XXXX ) " No! Where are you going to be when they come to foreclose on my house. This is not only false advertising ; ( that could have devastating outcomes for anyone who accepted the deal ), but it was also the bait and switch game. My worry is for all the people who are struggling, desperate for a solution to their money problems. Where is truth in advertising. I also worry because they now have all our personal info ( SS #, DOB, Income, Loans and Credit Cards ). I hope this will be investigated. I have already gone to the XXXX, but the company response was more lies. I do have the mailer, if it would be helpful. Many thanks for looking into this.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (NY)

This account with Ford was a lease. This account was paid in full and A new account was opened with a different make of car. It reflected negatively as if it were just a closed account and brought my credit score down.
Consumer complaint received 2018-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MN)

Previously my loans were at XXXX. In XX/XX/2017, when I became eligible for the PSLFP, I called XXXX XXXX to understand the requirements of the program. At that time I was told my loans would qualify but I would need to request to move my loans to XXXX in order for them to process my application. I did exactly that and when my loan was transferred, XXXX increased my interest rate. On top of that, my employer ( non-profit ) had many difficulties submitting their portion of my application. After several attempts, we were able to get their information though, only for me to then be denied because my loans didn't meet the repayment plan requirements. I was more than upset at the time since I had gone through the trouble of moving my loans and then experiencing an interest rate increase. Following that, I became separated from my husband and we were working through a mediator on the details of the divorce. I decided to engage family to help me pay off my student loan in full because I was led to believe differently at this time that I would never have my loans forgiven as I would need to choose a new repayment plan and then make 120 payments which would actually be beyond me paying the loan in full. Early this year, just months after I paid the loan off ( XX/XX/XXXX ) legislation was passed to expand the program on a temporary basis. Upset, I called XXXX again and they stated that to be evaluated for the TPSLFP, I would have to have my loan refunded and resubmit again since I currently had no loans with them again. So, they contacted the department of education to refund my loan. I am told I was issued a refund ( still have not received it ) and they restarted my loan PLUS charged me interest for the time the loan was paid off. Now I owe ~ {$270.00} in accrued interest in a loan that didn't exist at the time since it was paid off in FULL already.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Neon Newco Corporation (FL)

So I had a account with NetSpend for years. I had a direct deposit that was set to hit my account on Wednesday. I notice that my direct deposit didn't hit. So I go to login to my NetSpend account and I notice that got a error message and it said to call customer service. I call customer service and they said my account is closed and said due to several risk factors their closing my account and that I can no longer be a customer with NetSpend. This throws my plans for the week out the window. I live paycheck to paycheck. I'm going to be late on my bills and I currently have a category 1 coming to Florida and have nothing in my house to sustain myself. On top of that they said that that it's going to take 6 business days to reject my direct deposit and my employer would receive it on XX/XX/XXXX. That's almost a full month without pay. I can not live like this and something needs to be done.
Consumer complaint received 2023-07-10
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. (VA)

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHowever , they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Consumer complaint received 2023-07-08
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. (TX)

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.

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 2023-07-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Experian did not provide me proof nor did they send me copies of documents or anything validating these accounts. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 168li ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? 

I demand the following accounts be verified or removed immediately. 

XXXX Account # XXXX Validate Account XXXX Account # XXXX Validate account Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NJ)

Roughly 60 days ago, Chase had closed my online access to pay the bill with the mobile application. 

That is how I always paid the bill on my Chase Freedom card. 

I have been waiting for a call back from an escalation manager for almost 2 months because I can not pay my bill because they do not have record of the account ending in XXXX. THEY ARE FORCING ME TO DEFAULT ON THIS CARD WITH A {$6000.00} balance because EVERYTIME I CALL AND GIVE MY SSN # DOB AND LAST 4 of the ACOUNT NUMBER, THEY CANT FIND THE ACCOUNT. I will SUE WITH MY ATTORNEY IF THIS IS NOT RESOLVED, and NOW THE MINIMUM PAYMENT IS PROBABLY {$600.00} WHICH I CAN NOT AFFORD SINCE THEY HAVE NOT ALLOWED ME TO PAY MY BILL AND ADDED LATES FEES WITH FINANCE FEES.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$110.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$750.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.