davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

On XXXX XXXXXX/XX/2023 I deposited a check in the amount of {$10000.00} into my checking account. Prior to me depositing the check my account my was free to use and funds were available. After I deposited the check and the check cleared my account was locked and am to this day unable to access my funds. I checked with the person that issued the check, and the check has cleared her account. She has also written checks to other people that bank st M & T and there was no issue with their account and/or funds. I've been trying to get this matter resolved since XX/XX/2023 and have been told that only XXXX from the fraud department at M & T Bank can resolve the issue, but I have yet to hear from despite numerous phone calls and visits to M & T Bank. It is illegal to hold a persons funds without proper notification, and no one has been able to tell me why my account is locked. I feel like I'm being discriminated. At this point several of my bills are overdue and this has put me in financial hardship. I need this resolved ASAP.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX 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 2024-06-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My ex husband and my sister XXXX  {$150000.00} at Bank of America in my name! Bank of refused to give give me the history how I was XXXX and XXXX and put in the XXXX XXXXl to wipe out my account.
Consumer complaint received 2024-07-09
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. (IA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have send out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my 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
Consumer complaint received 2024-07-30
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. (GA)

XXXX XXXX SSN # XXXX DOB XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you XXXX  Credit Reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 Business days of you receiving this complaint. This fraudulent inaccurate, and false information These fraudulent accounts consist of mobile service account XXXX XXXX XXXX under the account number XXXX opened XX/XX/XXXX, a personal credit card XXXX XXXX XXXX XXXX  opened XX/XX/XXXX under the account number XXXX, an Auto loan account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX under account number XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX  under account XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX UNDER ACCOUT XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my Transunion credit report. Ive attached a list of the hard inquiries in question as well as a copy of the Transunion credit report maintained by you which shows the aforementioned accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on Transunion report were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Case # XXXX as proof from the US federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EXPERIAN, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus ACCOUNTS AND addresses. 


The account in my name that stems from the identity theft : XXXX XXXX XXXX acct # XXXX A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer FICO credit report now contains fake accounts as a result of this Identity Theft. A copy of your consumer FICO credit report, which includes the aforementioned bogus account. The aforementioned accounts as reported, are unfamiliar to me. The Accounts listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX and A Police Report # XXXX XXXX XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts listed above are all the product of fraud and identity theft.
Consumer complaint received 2024-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IL)

I have made the following payments to AidVantage and the payments are not reflected in my transactions as my other monthly payments are. 

The dates listed are the dates and amounts deducted from my personal checking account, and in the bank memo it states that is deducted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$100.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} I spoke at length with a customer service representative in the organization 'help ' chat box. However, they could not provide a reason as to why the above transactions are not itemized with the rest of my payments. They also refused to provide a conversation transcript. They would not put me in contact with any individual via phone. They would not offer a solution or a point of contact to have my accounts and payments audited. They could not tell me where the money deducted from my accounts went. And they would not advise how I could get my loans transferred to a different federal loan handler.
Consumer complaint received 2023-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

I paid what I believed to be the remainder of my student loan balance of {$19000.00} on XX/XX/30. I used the Nelnet website, and when I went to make my payment, you have the option of making your payment by group, or by amount. I chose the amount tab as I was going to be paying the entire balance off. The amount listed above is what was shown as the balance of my loan. Today, XXXX, I went to verify the payment had been made, only to see I still have a balance! I called Nelnet, and their employees seemed to agree that the website showing only the principal and not the outstanding interest under the payment tab is egregious, predatory, and THEFT. They are misrepresenting student loan balances and in the process collecting more money from students with predatory tactics. It should be clear as day, the amount owed on the loan, not interest hidden somewhere else on the website. Had I not called to verify the payment I wouldnt have known I was carrying a balance, could have potentially defaulted on a loan that should have been XXXX, and done irreparable damage to my financial health. These predatory practices must be stopped!! They are attempting to trap student loan borrowers. A simple website interface adjustment could fix this, but they choose not to because it makes them more money off the backs of unsuspecting students. The members of the Board for Nelnet should be investigated and held accountable. I would like this looked into as soon as possible and a response when the investigation is complete. This is despicable behavior and someone needs to stand up for students and protect them from being stolen from.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

I am trying to login into their website to make a payment for my loan but it is constantly down. I am also trying to set up a loan payment program with my workplace but nelnet website constantly being down is unable to provide the loan account information, amount, and type of loans to my workplace. I am unable to contact anyone in nelnet because hold times are over 90 minutes. This is negatively impacting my ability to pay my loans and decrease the interest I owe.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: WELLS FARGO & COMPANY (NY)

After fraudulent purchases were made on my Business Line of Credit and I contacted Wells Fargo on XX/XX/year>, the credit card was cancelled and a new one issued. 
Unfortunately, now almost one month later, the new XXXX XXXX Checks that were promised have not yet arrived. 
Multiple phone calls have not resulted in resolution of the problem. Even worse, everytime I call Wells Fargo, I can not reach the person I initially spoke with and the person I do speak with has no ability to solve the problem. Wells Fargo customer service is a system designed for failure. Please assist me in obtaining new XXXX XXXX Checks post haste so that the continuous smooth running of my business is not compromised. Thank you
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX # XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

Our home was involved in the XXXX  in XX/XX/year>, after a few months of dealing with the insurance company we were sent a claim check that our mortgage company needed to sign off on too. This check was sent overnight to the mortgage company and confirmed received XX/XX/year>. On XX/XX/year> they told me it was sent to a XXXX party for confirmation. I have contacted them several times as I have a XXXX that would like to get paid for our XXXX that they have already completed, and been told it is in the process and to give it a week for an update. I contacted them again today XX/XX/year> and was told that they do not have a timeline when the check would be released and to just wait, could be another week or month. This is very unacceptable to me as we have paid our mortgage on time, and followed their procedure for sending the check to them overnight to get this expedited. 
The mortgage company is SPS.
Consumer complaint received 2023-10-27
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. (IN)

In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions.
Consumer complaint received 2023-11-07
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: Resurgent Capital Services L.P. (NY)

LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX Re-aged account and reported wrong account begin dates on credit reports. LVNV FUNDING LLC changed the begin dates to well after they had already bought and acquired the debt. LVNV FUNDING LLC failed to send a copy of the original creditors contract and all pertaining documents when requested.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TN)

In accordance to the fair reporting act. This creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604 A section 2, also states a consumer reporting agency can not furnish account without my written instructions. Under 15 U.S.C. 1666 B a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO. (TN)

In accordance to the fair reporting act. This creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604 A section 2, also states a consumer reporting agency can not furnish account without my written instructions. Under 15 U.S.C. 1666 B a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (AZ)

This is a continuation of case numbers XXXX and XXXX which was to have been resolved as I received the {$75.00} credit to my account today ( thank you ) BUT along with a DEDUCTION {$120.00} for the second time so as a result I am now OVERDRAWN. 
On XX/XX/XXXX I made an AUTHORIZED PURCHASE from XXXX, US BANK somehow sees this is an unauthorized purchase. I received a {$120.00} refund from XXXX on the XXXX which was listed as " adjustment maestro '' but on XX/XX/XXXX {$120.00} was deducted from my account also memo as " adjustment maestro '', the Bank told me this was XXXX. I investigated XXXX, it was not them. 
I filed a FRAUD COMPLAINT with US BANK about the XX/XX/XXXX transaction on XX/XX/XXXX, US BANK dismissed it the following day and on XX/XX/XXXX reported my debit card STOLEN. 
The Fraud complaint I filed on XX/XX/XXXX continues to be ignored, they gave me a provisional credit for the XX/XX/XXXX transaction which was authorized, took the provisional credit back today at the same time that I received the {$75.00} credit from you ( thank you ) and now I am overdrawn. I am elderly, XXXX, live alone in a rural area XXXX mi from the nearest bank and for the second time I have no access to any funds. Further punishment seems to be in order.
Consumer complaint received 2024-07-08
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. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-07
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.