davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (CT)

This is in regard to a XXXX Account that XXXX XXXX created. I am the Successor of the Trust and have the Power of Attorney for XXXX XXXX. On XX/XX/XXXX I went to the XXXX XXXX  XXXX XXXX branch in XXXX and met with XXXX XXXX to gain access to this account. I provided legal documents as needed which were copied and sent to their legal department. I was told that I would be contacted in a week. After 2 weeks I went back to find that nothing had be accomplished on this transfer. a day later is was contacted and told that this was completed and to return to the bank to complete some other bank forms. Upon my return, I was told that my social security number was not correct and I had to return with my social security card. the card was then copied and sent to the lega department. I was then refered to XXXX XXXX to continue you with this. He told me that he needed the original Power of Attorney. I told him that I had provided it to XXXX, but he told me it was copied at that time. I brought it to him again and he copied it and sent it to his legal two weeks ago. I stopped in last week to ask him for an up date and he said that he did not receive any new information on this. I called him on Monday of this week and left a message as I would like to have him call me. He did not call and I called him again today. I left a message and he has not called back. I am frustrated and believe that there is something fraudulent going on.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

To who it may concern : i am reporting a Wrong address address that is being used to Commit fraud i do not live at [ XXXX XXXX XXXX XXXX XXXX ca XXXX ] and it is connected to accounts on my Consumer profile that is Fraudulent ive attached my ID and and bank statements from Previous years from current
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (MO)

ALL ACCOUNTS PERMANENTLY LISTED BELOW : NO WRITTEN CONSTENT TO DISCLOSE PRIVATE INFORMATION 15 U.S.C 1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; 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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

DELETE ALL LISTED ACCOUNTS BELOW : or I WILL SUE YOU Civil Federal courts {$1000.00} and additional damages for willfully non compliance UNDER FCRA Account # - XXXX CXXXX 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
Consumer complaint received 2023-05-10
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : Notice of Dispute Pursuant to the Fair Credit Reporting Act Dear Sir or Madam, I am writing to dispute certain inaccurate, unverifiable, and invalidated items in my credit report that violate the Fair Credit Reporting Act ( FCRA ). I demand that you remove these items from my credit report immediately in compliance with the FCRA 's requirements. 

Your agency has failed to provide me with any original documentation or method of verification for the inaccurate items listed below, in violation of Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) of the FCRA. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly DELETE all information which can not be verified. '' As a result of your failure to comply with the FCRA, I intend to pursue litigation to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 of the FCRA. Please note that this letter, along with the inaccurate items sent to you previously, will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this notice of dispute. 

I demand that you immediately delete the following inaccurate, unverifiable, and invalidated items from my credit report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS : XXXX B XXXX, CA XXXX Unauthorized inquiry by XXXX  XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX DC XXXX XX/XX/XXXX. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS ''. 

Please note that your continued refusal to comply with the FCRA may result in litigation against your agency. I reserve all rights and remedies available to me under the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (DE)

I am writing to dispute a fraudulent collection account that is appearing on my credit report. The account in question is completely inaccurate and incorrect. 

I have never had any dealings with that company. Also tacking on a {$530.00} fee to a debt that is allegedly {$5.00} is false and misleading and a violation of my consumer rights. 

I demanding that you immediately remove this fraudulent account from my consumer reports. If this account is not remove immediately upon receipt of this complaint, I will be filing suit for willful non-compliance & violations of the FDCPA. 

I've attached the police report.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (NC)

On XX/XX/XXXX I made a payment of {$490.00} to Bridgecrest auto for my car loan which I was advised by a Bridgecrest rep was the amount due to avoid a late reporting. The rep said it was for {$490.00} today. On today I received an alert stating that Bridgecrest reported my payment 30 days late. On XXXX it states that I am {$50.00} late which is inaccurate. I called Bridgecrest and asked if they could please fix the 30 days late. I had never asked for anything to be removed or updated on my report, I was told no. The 30 day delinquent has dropped my credit score significantly on one of my reports by as much as XXXX  points. I would just like to get some help with getting my reports updated to current.
Consumer complaint received 2024-10-10
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. (IL)

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Consumer complaint received 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MS)

Mortgage transferred to PHH Mortgage several years ago XXXX. All had been fine until XXXX of which caused us to fall behind on payments. After a trial modification, we were offered a loan modification of which we did not agree to the terms. Now, we have a mess. We were approved for a refinance with a different mortgage co. until PHH sent payoff statement showing an interest amount owed which resulted in our payoff being approximately {$110000.00} XX/XX/XXXX and our beginning balance years ago was {$110000.00}. I disputed this payoff amount. PHH is showing on our statements, an interest bearing balance and also a non-interest bearing balance. We were told our payments deferred would be added to the end of the loan, causing us to show current. We are not showing current on PHH statements, but our credit reflects current. When we call out of concern, they assure us all is fine and not to worry. We've requested a transaction history of our entire account multiple times & received but it is so confusing and doesn't involve simple bookkeeping as I was taught and have done for a living daily all of my working career. We can only access history from XX/XX/XXXX forward online. However, when I called on XX/XX/XXXX, I was told a transaction history from XXXX would be mailed to my address. We are being verbally told one thing, our statements reflect different and our credit reporting reflects different & our online account shows different. We want away from PHH Mortgage as it's obvious we will never get our home paid for at this rate. We have sent a payment but they returned it stating they had to in order for us to qualify for assistance. We would receive letters stating we were current & no payment due for 3 months. This is a nightmare which has caused me much distress and XXXX  to the point of a XXXX XXXX case. We never speak with the same person, never told the same thing and always assures us all is fine with our loan. This scares us because I can't prove verbal statements & their paper statements say different from what they say verbally. We feel victims of PHH Mortgage & held hostage from successfully moving to a different mortgage co. who would allow us to accomplish paying our mortgage off within a timely manner. We've had nothing but problems out of them and would like you to investigate our account to rule out any illegal charges added to our account & to make sure they handled posting our payments correctly. It's hard to send someone a payment when they send it back for no reason other than to qualify us for financial assistance. We are frustrated and feel this is a nightmare never ending. Please help us get away from this company. Thank you!
Consumer complaint received 2023-07-21
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. (MD)

I submitted a letter to the 3 Credit Bureaus o update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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
Consumer complaint received 2024-10-10
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I did not authorize these inquires on my credit profile. please remove the following inaccurate inquires from my TransUnion credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-10
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. (NY)

Letters were sent to Experian in reference to the incomplete and inaccurate reporting on my credit of XXXX XXXX and XXXX  XXXX XXXX.
Consumer complaint received 2023-07-21
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This in regard to an unauthorized charge of amount, {$1100.00} on my Bank of America ( BoA ) Visa credit card. I, an Associate Professor of Economics, made a hotel booking for XXXX XXXX XXXX New York on XX/XX/2023, to attend an academic conference from XX/XX/XXXX to XX/XX/XXXX. I was charged twice for this booking ( see attached credit card statement ). I immediately notified BoA regarding this and they submitted a claim on my behalf. However, BoA wrongly denied the claim on XX/XX/XXXX. They mentioned that these are valid charges as I have two separate reservations. I rebutted their decision by providing them with a copy of the email booking confirmation for my single reservation and a separate email from the merchant confirming that. BoA again incorrectly denied the claim on XX/XX/XXXX. The disputed charge of {$1100.00} is back on my card. This has been an extremely stressful process for me. I am highly disappointed how BoA is handling this case. I am being continuously harassed for something that I am not responsible for. Throughout the review process, I was NEVER contacted by the BoA claims representatives. I repeatedly visited the local BoA branch physically and had a branch relationship manager follow up on the case on my behalf as I could NEVER contact the claims department over the phone ( see attached documents for details ). I stand by my claim that I have NOT authorized two reservations. I have multiple evidence ( see attached ) that clearly show I have only one reservation. I fail to understand how my claim is being denied. The charge is still on my credit card account. My payment due date is on XX/XX/XXXX. I will have to pay the charge by then to avoid accruing interest on it and getting a negative credit report. But I am NOT acknowledging the charge.
Consumer complaint received 2023-07-21
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. (AR)

In accordance with the Fair Credit Reporting Act or FCRA, I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days, as required by law. I have attached supporting documentation, to verify my claims and request a thorough investigation into this matter. Please find these dosuments enclosed with this complaint. These fraudulent items should be disposed or be removed in my credit file : 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 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 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
Consumer complaint received 2023-05-10
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 (NY)

Dear PayPal Customer Service, I am writing to submit a complaint and appeal the permanent limitation that has been placed on my PayPal account, which is registered under the email address XXXX. I believe this limitation was placed in error, and I respectfully request that PayPal re-investigate my case and restore my account if possible. 

Firstly, I want to state that I have not violated any PayPal policy. I have always adhered to the terms and conditions set forth by PayPal, and I have never engaged in any activity that is prohibited by PayPal policies. Therefore, I am perplexed by the limitation placed on my account and would appreciate a detailed explanation of the reason for this decision. 

Secondly, I would like to emphasize that my PayPal account is crucial to my personal and business transactions, and the limitation has caused me significant inconvenience and financial loss. I urge PayPal to understand the gravity of the situation and take immediate steps to rectify the issue. 

Thirdly, I am confident that a mistake has occurred, and I request that PayPal re-investigate my case. I am willing to provide any necessary information or documentation to support my case and prove my innocence. I respectfully ask that PayPal 's investigation be thorough and impartial, and that any decision made be based solely on factual evidence. 

In conclusion, I want to reiterate my request to have my account limitation lifted, and I look forward to a prompt response from PayPal. I hope that this issue can be resolved quickly and amicably, without the need for legal action. Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (FL)

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - ( I PAID OFF AN OLD ACCOUNT BUT THIS INQUIRY HAS NOTHING TO DO WITH THAT ACCOUNT. THIS IS A NEW REQUEST I DID NOT AUTHORIZE XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - THERE IS AN OLD XXXX ACCOUNT ON MY CREDIT, WHICH IS BEING REMOVED DUE TO FRAUD. THIS INQUIRY OCCURRED AFTER AND WAS NOT AUTHORIZED XXXX XXXX
Consumer complaint received 2023-05-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

Below is the issue : To : LoanCare Attn : Mortgage Resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Error Resolution Notice under 12 C.F.R 1024.35 To Whom It May Concern : We received your reply, along with the payment history payment, however, it still does not address or rectify the issue. As you noted the initial payment after we fulfilled the terms of the Modification Agreement was {$500.00} short. However, the month before on XX/XX/2019, there is a {$500.00} credit that was applied thus lowering the payment the following month of XX/XX/2019 to {$2300.00}. We were never given an explanation as to what and why this {$500.00} credit was applied. It would seem to us that for whatever reason this credit was applied and then not considered when we made the payment the following month. 
Either way the error is/was not on our part and this needs to be corrected and updated immediately to reflect our true and accurate payment history. 

They refuse to acknowledge their mistake nor explain where and what this {$500.00} credit is. When I asked for all mortgage statements for 2019 Loancare conveniently omitted the XXXX statement that could have shed some light on this. 
As a result they keep saying we are 30 days late.