davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (FL)

As a Federally protected Consumer I am opting out of any and all authorization I the consumer may have given whether written or verbal or implied per title 15 USC 6802 and the Privacy Act of 1974. I called the number provided by Destiny 's website for their privacy policy. Requested to opt out of Destiny/ Concord Credit sharing my non public info. The representative I spoke with whose name is XXXX XXXX XXXX XXXX told me there was no opt out option available. This interaction took place XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (CA)

I wrote check XXXX. XXXX on XX/XX/XXXX, in XXXX, on my American Bank Account with Peoples United Bank -- Now M & T Bank -- in the amount of US {$2500.00} to the order of the XXXX for XXXX XXXX XXXX. Finally, after not seeing this amount taken from my account, I called the XXXX, who had still not received the donation. I gave them the equilvalent in XXXX, as their XXXX Bank was desperately in need of funding. Months went by and they still did not have the money from the check in their account. Sometime last year, I think in XXXX of XXXX, I called the bank to " stop payment ''. The person who assisted me told me that since the check was for a charity, he would not charge me a " stop payment charge ''. The bank has a recording of this call. Then on XX/XX/XXXX, the {$2500.00} was taken out of my checking account ( No. XXXX ). When the XXXX was asked, they said they had not received the money. I called M & T Bank and asked them to tell me to whom the money went. They could not tell me! The back of the check has three bank stamps on it ( but it was not indorsed ) -- XXXX XXXX, XXXX XXXX XXXX XXXX, and M & T Bank. I contacted the M & T Branch in XXXX, CT, and spoke to XXXX XXXX ( XXXX  ) at XXXX. I continued to follow up, but they had no information for me, and I was told I had to send them a copy of both sides of the check, which I got from their web site! On XX/XX/XXXX, I sent a copy, plus a photo of my bank statement showing the money was withdrawn. On XX/XX/XXXX XXXX XXXX sent me an email with an attachment of an affidavit that I had to complete, and get notarized, which I did ASAP. After that I was unable to speak to XXXX XXXX who was always " with a customer '', the last call being XX/XX/XXXX, so I asked for a call-back which I did not get. Yesterday ( XX/XX/XXXX ) I called twice. The second time a gentleman gave me a number to call ( XXXX ) at the direction of XXXX XXXX, and they would handle the matter. I called, and it was a number for their " Contact Center '', and I was told by a supervisor, " XXXX '', that they could not help but that I should contact my " branch ''. Yesterday I wrote an email to XXXX XXXX telling her I wanted to hear from her by today or that I would file a complaint with the CFPB. It is my belief that the bank should put the money back into my account, and then try to trace it. Instead, I have been waiting nine months for an answer and refund! Can you please help me to get my money back? Thank you very much, in advance, for your assistance. FYI, my principal residence is in XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX. I maintain a home in XXXX, XXXX, so I can have a place to stay when I visit my XXXX grandson. My XXXX cell number is XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX, but my XXXX phone ( XXXX ) can be answered XXXX XXXX, where I will be returning XX/XX/XXXX.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank (TN)

First Digital card ( synovous bank ) closed my account because i refused to send them bank statements showing I made payments with my card. The payments were made with my debit card in my name. So they sent me a letter closing my account. It showed up on my credit report as closed and then a few days later shows it was opened again without my consent.
Consumer complaint received 2024-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (NE)

On XX/XX/XXXX I made an error and sent my mortgage payment to my credit card, they are both Chase bank products. It created a large credit on my credit card. On XXXX XXXX I realized what I had done and called the Credit Card division and asked if they could transfer the credit to my Mortgage account ( I can see both accounts on one page on the web site, so I am assuming they have the same information ) I was told that they could do this and that it would take 7-10 day, after two weeks when it did not happen I called them again and this time I spoke to XXXX ( she would not give me a last name ) she said she could see the first call and could also see that nothing was done, and she did not know why, she said she would submit a complaint and the transfer should be done in the next 7-10 days, again it did not happen, now I have a late fee and past due notices on my mortgage. I have sent several secure messages to the bank and asked if it was faster to send me the credit, to please do that so I could pay the mortgage, that has not been done. 
I called again and spoke to a supervisor named XXXX from credit card side, also on the line was a rep. from the mortgage side. They said it was being taken care of and that my late fee would be credited back. She said 72 hours. Now today more than 72 hours after that I get a message that they can't do it and will not credt the late fee. I need a way to get to the money so I can pay the mortgage. What should my next steep be?
Consumer complaint received 2023-04-30
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: PENTAGON FEDERAL CREDIT UNION (CA)

I pulled my credit report and it is showing multiple inquiries from XXXX XXXX and I don't know why. I have not inquired any new credit or tried to so I am asking for these inquires to be removed from my report. it is inaccurate and needs to be removed according to 15 USC 168 ( 5 ) the following are XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts were opened fraudulently after I put freezes on all 3 Credit bureaus. I also have a Stolen Identity Report.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (TX)

I was never late on the accounts listed below, I have asked for documentation showing proof of transactions showing I was ever late to support their inaccurate reporting on my accounts the failed to show proof but sent me a letter stating they were not going to delete or block the inaccurate information from my credit report. If they can not supply proof, they are to delete the alleged late payments. I am promised accuracy on my report based on federal law. Under 15 USC 1681 all unverified information must be promptly removed. Due to their current coding system error, they can not verify this information and validate it as being accurate. I am one of the many consumers that has been affected by this error. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines UPGRADE XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2024-04-21
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: EQUIFAX, INC. (OH)

Sent a demand letter to company requesting verificaiton and validation of debt that they are reporting as mine., I also submitted a dispute through the credit reporting agencies. The reporting agenices were XXXX, Equifax, XXXX. They were made aware that the debt that was reported was not mine and that I did not open the account, that i did not authorize anyone or party to open hte account. That I did not benefit or will benefit in anyway from the account. I also made them aware that I notified the company / reporter of this debt to send me any and all verifciaiton and validation documentation ( including but not limited to my agreement to the obligation to this debt. They were also made asware that XXXX revceived no repsonse from said companyt. All three credit reporting agencies came back with no change in my report ; however, nothing else was given in regards to verifcaiton and validation documentation. Company will not provide any information showing that this debt belongs to me.
Consumer complaint received 2024-07-11
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. ()

My transunion report was mixed with XXXX different persons with same name. My report was filled with number of derogatory accounts. Some of those accounts were opened even when I was not in XXXX. 

Due to this error, i failed in XXXX of my jobs background check ; my credit application was refused even my personal credit history meant to be clean. This gave me lot of trauma and mental stress. 

To rectify, i reached transunion XXXX times. I used to call them during my work breaks, my day-offs. They never helped me. They asked me to file dispute online or on call. I filed dispute XXXX  times ; every-time there was wait of XXXX plus days. They asked me to reach out to creditors and get letter. Creditors said they cant help me as its error from transunion. I sent them my passport, license, address proofs, employment letter and everything they asked. I sent them letters in writing XXXX times. 

Finally, after a year my report was cleaned by transunion and they sent me report which only had my accounts on it ; nothing derogatory. 

I was happy until i found after XXXX months they again mixed my report and same derogatory accounts came upon my profile. My credit score fell to XXXX again due to error from transunion. Now i am again stressed mentally due to this. I am having nightmares due to this, as transunion again asking me to go through from same process. 

But why? What did i do wrong. Why transunion making me to suffer even they corrected last time after having me to struggle for long time. I really want justice on this as it is impacting my mental health causing a lot of stress. Being a XXXX year old, i need a good credit. I am a hard working person who always pays all bills on time but still i am suffering due to someone else derogatory accounts.
Consumer complaint received 2024-04-21
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)

On XX/XX/2020, XX/XX/XXXX, XXXX, and XX/XX/XXXX I had late payments and a C/O reported on my Account for Acct Number : XXXX for XXXX XXXX  XXXX According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transaction between the consumer and the person/Corporation making the report is not included on the consumer reports yet they are reporting this information on my consumer report.
Consumer complaint received 2024-04-10
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC. (TX)

I was a victim of XXXX  XXXX  and I tried submitting paperwork to clear my debt with Equifax and it was denied for not having more supportive documentation. My counsel Im working with whos supporting me is ( XXXXXXXX  )
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FLORIDA HOME TRUST MORTGAGE ()

My Credit card was blocked for a security alert. I call the bank, I cancelled my card and ordered a new card. After my blocked credit card was charged several times, the bank don't know why. Amounts remain in my credit card balance. I called the company received pays and they ask the ARN number ( they said it mus provide by bank ) I ask my bank for ARN number for any of transactions but they don't send the information.
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Adjustment Service, Inc. (TX)

I keep getting calls from diversified adjustment service because of XXXXXXXX XXXX that i still haven't paid dept as to {$52.00} and its telling me that i can pay it online from my account from securus technologies but that's the thing i don't have money and my ex knows i don't have money and i didn't even know that i had to pay for every single call or that i even knew that i had a account. I just want it to go away i can't really pay for it and i don't know what to do. I just want the calls and the letters to stop.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MT)

I have requested a copy of contract with my signature from XXXX XXXX # XXXX, is been 40 days and not response. 
Equifax send me a letter with wrong last name, and is reporting XXXX XXXX in my credit report with false information, the creditor closed the account and kept adding extra fees after the account was closed, violated my rights. Equifax is not in compliance with the laws, XXXX sent me a letter staying they need more time, after 40 days of the requesting to delete the false information from my credit report the company XXXX XXXX partial acct # XXXX, had closed the account and charge month of exceed of fees, after the closed the account they are not in compliance with the law.
Consumer complaint received 2024-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (TX)

I canceled my service with XXXX in XXXX. However, my ex-husband, XXXX XXXX, who is not an authorized user on my account, was contacted by XXXX and offered a better rate. He accepted this offer and had the service installed at his home. 

As per the service agreement, XXXX XXXX is not listed as an authorized user and should not have been allowed to make any changes or incur charges on my account. 

This situation has led to unauthorized charges being placed on my account which I did not authorize or consent to. These unauthorized charges were subsequently sent to collections, and placed on my credit by HILLCREST DAVIDSON & A causing a significant drop in my credit score. This situation has caused me considerable distress and financial harm.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681 -permissible purposes 15 U.S Code 1681 C-2 " blockage of information ''. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

On Saturday XX/XX/XXXX, it was brought to my attention that a fraudulent account had been added to my credit report. 

" XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) '' This 'collections ' account is not only fraudulent but is direct violation of several laws, in addition to the rights of a consumer through the fair credit act. 
1 ) This account has been removed several times from XXXX, and XXXX XXXX as fraudulent. 
2 ) It is showing this account has been paid or in good standing since XXXX, which is not true, because this account is Fraudulent, and just been added to the account. 
3 ) It is a 'collections ' account, but doesn't correspond with any account on my report, as my report shows, I have never missed a payment.

4 ) They are re-aging/changing dates on this Fraudulent report, from the original dates they tried to apply it to my report the last time, in hopes of having placed again on a different reporting agency.

5 ) It has chanced reporters for the fourth time, and each time I have provided proof that this account was fraudulent, it has been taken off my account, and then a few months later the account shows up again without any foundation to their claims.

6 ) This stems from the identity theft I experienced from XXXX. 
7 ) This account CAN NOT be legally verified as accurate, due to it be fraudulent, and me never owing this company, or any of the one 's before it. 


If this is not immediately removed, I will seek swift legal action in my local jurisdiction, as is my right, against this company, and any reporting agency that allows this account to remain on my credit file. 

This will be my only attempt to handle this issue outside court. 

I will not be made to continue re-prove the inaccuracy and fraudulence of this report.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Dear Sir/Madam, I am writing to bring to your attention an error that appears on my Equifax credit report, which is negatively impacting my credit score. The accounts in question are account # XXXX XXXX XXXX XXXX, which is listed as XXXX XXXX XXXX and account # XXXX, which is listed as XXXX XXXX XXXX ( XXXX XXXX  ). I am not responsible for these accounts due to my divorce from XXXX XXXX. 

After a thorough review of my credit report, I have determined that these accounts are not mine, and I believe they should be removed to accurately reflect my credit history. I have attached relevant documentation, including a copy of my divorce decree, which demonstrates the dissolution of my financial ties to my ex-spouse. 

I have attempted to get this rectified with Equifax and the creditors without any results.
Consumer complaint received 2024-07-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: WSFS FINANCIAL CORPORATION (PA)

WSFS claimed they I did not pay a monthly payment. I sent them proof that it was paid through my bank. I contacted them over 8 times. I even went to the local branch but nothing was resolved. They will not help me and I provided them with the electronic confirmation that they took the money from my account.