davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (NY)

On XX/XX/2023 in the afternoon before bank closing time the bank manager located on XXXX XXXX XXXX in XXXX, NY XXXX refused to allow the withdrawal of funds when given a photo identification and other proof of identification at the branch location. The funds in the bank are in the amounts of {$320.00} savings and {$5.00} checking. Both bankers were very rude, and questioned me regarding the transactions on my account. They suggested that I was receiving illegal money for the deposits made to the account, each of the deposits are the same payor as it has been for the last five years. The bank was abusive to me, made me sit in the middle of the bank while the manager went into her office and then came out questioning me in front of other customers about by account. She then said she had a " meeting '' and that I would have to wait. The next person who came out to assist then took me over to a cubicle where the identification and transaction confirmation, statement review was done to show that there have been several deposits made and this is not illegal for someone to have money in their bank account. Being this person was supposed to be a banker, I should not have had to explain myself regarding why I had money in my bank. The questions were innappropriate and the banker was very abusive. She refused to allow me to have access to my own money or bank account and she is a contributor to human trafficking in New York state. I have been humiliated and assaulted as a result of this and other incidents regarding my own personal bank accounts.
Consumer complaint received 2017-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (HI)

Well my capital one customer and corporate office personnel are calling me mam instead of sir and frankly being rude and being disrespectful towards my medical condition and seems no one is trying to solve all these issues or giving me the proper supervisors or a over all boss or the president of the company. Please fine them or help me file a major complaint against them or take them to court or whatever you all do.thank you  XXXX   XXXX   XXXX
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

I was contacted by  MSB about  XXXX  violations ( pa rking m eter and street sweeping ) on    XX/XX/XXXX   a nd    XX/XX/XXXX  . I immediately followed up with the agency to let them know I was not the own of the car at that time at which point they directed me to their online dispute form. I followed their direction including provide proof of when I took over ownership of the car on  XX/XX/XXXX  .  I received a follow up email asking for further information which was then pro vided ( e mail attached ). Toda y,   XX/XX/XXXX ,  I  received another notice with " DEMAND FOR PAYMENT '' in the subject. They are clearly aware given our previous correspondence that I was not the owner of the car so they should try to contact the previous owner.
Consumer complaint received 2024-09-06
Product: Credit reporting 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. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-06
Product: Credit reporting 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. (NJ)

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC. (TX)

I filed a dispute and the dispute got denied by eqifax. They provided documentary information but was not able to provide the written permission by the consumer. 15usc 1681b permissible purpose. In accordance with the written instruction of the consumer to whom it relates. I never consented with written instruction to make the account information public.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 USC 1681.

Account Name : XXXX Account XXXX : XXXX XXXX and list of Inquiries. 

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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX   XXXX ,    2017  Consumer Financial Protection Bureau   XXXX   XXXX     XXXX    XXXX    XXXX , IA  XXXX   RE  : Complaint Against   XXXX   XXXX   and all  XXXX  major credit bureaus To Whom It May Concern : I have requested from the creditor   XXXX   XXXX   and the  XXXX  major credit bureaus to update my credit report to reflect the correct beginning balance and that the account was paid in full, on a 90 days same as cash transaction. The response was that the creditor verified that the information was reported accurately.     I purchased  a sofa with ottoman f rom  XXXX   XXXX   XXXX  and entered into a financial transaction with   XXXX   XXXX   with the intentions on paying off the remaining balance, after an initial down payment, within 90 days ( Same As Cash ). Not only did I pay off the balance in full, I paid it off in 60 days instead  of 90.  I also have a Certificate of Ownership and a receipt from  XXXX    XXXX    that certifies that I own the  sofa and ottoman o utright.     From the beginning, it appears that  XXXX   XXXX  assumed that I wouldnt pay off the merchandise within 90 days so, they reported to the credit bureaus that my beginning balance was over {$2100.00} and the current balance is showing as over {$1800.00}  (  Please see uploaded documentation from my Experian credit report ).     The account balance has never been anywhere close to {$2100.00}. I only paid {$710.00} for t he sofa & ottoman before  taxes and delivery fee. I put down over {$200.00} plus taxes and delivery paid to  XXXX   XXXX . I paid the initial, monthly rental payment almost  2  months prior to th e  XX/XX/XXXX  due date then the remaining balance of a little more than {$400.00} on  XX/XX/XXXX . The deadline to payoff the balance on the 90 days same as cash agreement was  XX/XX/XXXX . I   demand that  XXXX   XXXX  report the correct beginning balance and that the account is paid in full on all  XXXX  of my credit bureaus. Its damaging my credit and  credit score  when it appears that I went out and applied for {$2100.00} in credit when in fact, it was only {$710.00} and 90 days same as cash.     Thank you.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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.

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-06
Product: Credit reporting 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. (NY)

I am writing to formally request your assistance in resolving an issue with Equifax Information Services LLC regarding multiple unauthorized inquiries on my credit report. These inquiries were made without my consent and lack a lawful basis under the Fair Credit Reporting Act ( FCRA ). Specifically, these unauthorized inquiries violate 15 U.S.C. 1681b ( a ) ( 3 ), which restricts access to consumer reports to legitimate purposes. Moreover, these actions may constitute Aggravated Identity Theft under 18 U.S.C. 1028A, as they involve the unauthorized use of my personal information, including my Social Security Number. 

Here are the details of the unauthorized inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I am requesting that the CFPB intervene to ensure Equifax takes the following actions : 1 ) Provide proof bearing my wet-ink signature for the unauthorized inquiries or delete them from my credit report immediately.

2 ) Confirm that these inquiries are removed from my credit report and that my information is corrected accordingly.

I appreciate your assistance in resolving this matter and ensuring my consumer rights are upheld.

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

Sincerely, XXXX XXXX. Attached : State ID, SS Card, my house internet bill
Consumer complaint received 2017-05-29
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: DISCOVER BANK (NY)

Made purchase using discover credit card on  XXXX   XXXX     2017. Was  hockey stick {$290.00} try return store would n't take back so try call discover dispute transaction they advise me to send back qualified return guarantee.they have return guarantee in which send product to them they refund me money. I file return claim #  XXXX  in which pay {$50.00} ship back. Then denied my claim
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

The late payments on my credit reports should not be showing. I asked for assistance with a hardship and explained that I had XXXX  during the time the payments are showing late. I have never been late and would like XXXX XXXX to remove the late payment status on all three credit reports.
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (GA)

This Complaint is intended to address the ever-escalating obfuscations by Professional Debt Mediation regarding the failure of both t he Collection Agency  itself and  XXXX   XXXX   XXXX  to comply with either Federal Law or Florida Statutes in the handling of the debt assigned to the Agency by the Creditor, as the very fact of the fraudulent notice of intent to make a claim on my deposit -- sent via Certified Mail on  X/XX/2016   , more th an two mont hs after the debt had been submitted to the Credit Reporting Agencies and quite obviously intercepted by the Creditor itself ( similarly a violation of Federal Law ) in an effort to prevent me from obtaining proof of its fraudulence, or the notice would have been forwarded to me as required by my change of address Confirmation -- is a clear indication that the Creditor was keenly aware that the concepts of " abandonment '' and " vacating '' cited by Professional Debt Mediation do not apply when the Courts have evicted a tenant and ordered the loc al Sheriff 's Office  to take possession of an apartment on behalf of a landlord ( see attachments ), leaving the Creditor fully obligated to comply with the notification via Certified Mail requirement specified in Florida Statut e 83.49 ( 3 ) ( a ), r egardless of whether or not the Creditor was provided with a forwarding address.
Consumer complaint received 2017-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

i do owe for the current month of mortgage wi th Wells Fargo.  With a payment scheduled on 2nd mortgage to come out today. However. I am being calle d 10 times a day. With a message of Hello & hang up on voicemail.        Here is 1 day of calls  XXXX   XXXX  ,2017 ca lls at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-01-03
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)

I'm filing this complaint because this creditor has ignored my request to provide me with the documents their company has filed that were used to verify the accounts I disputed. They have also gone past the XXXX mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this, as it hurts my overall credit willingness. Thank you
Consumer complaint received 2017-05-26
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. (TX)

I contacted  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   about several inquiries that are on each  one  of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in  XXXX   XXXX  getting ready to move the following month I had no need to be shopping for a car in  XXXX , I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate o f  XXXX  I  have the RIGHT to request VERIFICATION of how they received information.  XXXX   XXXX  sent a letter back dated   XX/XX/17   stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in  XXXX   XXXX ,  Missouri.  I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract  XXXX  to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing m y credit score  to decrease and I want these inquires removed from all there reporting agencies immediately.
Consumer complaint received 2017-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pioneer Capital Solutions Inc (MN)

This should not be in my credit report. This collection agency reported this to the  XXXX  credit bureaus and they should not be in my credit report and I do not owe  Pioneer Capital Solution anything I want them provide me of contract a sign with th em.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

My mortgage was purchased by SLS lending. They had been given the incorrect address by the previous company a nd there was a delay in payments being made directly to SLS. As payments were being made to the previous lender the account was kept up to date. Once the error was realized I reached out to my previous lender and was given the SLS conta ct information. I called them on  X/XX/17    ( loan was sold on  X/X/17    ) and set my account up with my correct contact information. At this time I asked what amount needed to be payed to get my account in good standing and the current balance paid. I was told an amount by their customer service rep and I paid this using their website that was received. On   XXXX   I received a call from SLS asking when my  XXXX  payment would be received. At that time I said " I 've already paid it ''. The representative on the phone was not able to research but said that the payment I made was not sufficient to make the   XXXX   payment. After researching myself I have found ov er one  and half mortgage payments were put towards my principal even though I had outstanding payments to SLS. They have charged me " late fees '' and " property inspection fees '' due to my supposed late payments. The amount they have received since  XXXX  has been sufficient to keep my account current but they are incapable of applying the funds correctly and then ask for further payment. When contacting customer service today  (   XXXX  ) to inquire about the property inspection fee I was told it was an inspection of the property due to the late  XXXX  payment ( which they had received via the previous lender ). I was being transferred to an account  executive b ut instead just hung up on. The service reps are no help and give me incorrect information.