davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (MS)

In XX/XX/XXXX, I was contacted by XXXX saying my M & T mortgage was 3 months late and was up for foreclosure. I should have checked, I was actually only 2 months behind, almost. They instructed me to do a modification mortgage. They said, " Do not make your XX/XX/XXXX payment and the modification can start and lower your monthly payment drastically ''. I did as instructed like an XXXX. XXXX was to b my first payment. They set up a time and date for me to call in my payment. XX/XX/XXXX and XX/XX/XXXX was the same appointments. I was only allowed to talk to XXXX. No one else could take my payment. At the end of XX/XX/XXXX, they told me to wait on a letter and mail my payments with the slips to M & T. XX/XX/XXXX I finally get the letter. They said my payment would not be counted late since they did not have the paper work ready. But even though I mailed in my payments when they said for XX/XX/XXXX, XX/XX/XXXX and XXXX, they counted them late. I paid my payments to who they said and did what they said when they said and they reported me as 120 days late on my credit reports. Then, they tell me to give it time and my credit report would straighten itself out. No, it still has not. And my payment went down only XXXX bucks and they added XXXX grand to my mortgage. I have petitioned the credit bureaus twice about this unfair reporting and M & T 4 times and XXXX refuses to talk to me. I just want the six months of on time payments to show as on time.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XXXX of XXXX I applied for unemployment about a week later I caught XXXX and I was in a XXXX  and XXXX  for months on end. When I finally got to be released home from hospital I had to have someone care for me while I did therapy then my mother caught XXXX and XXXX XXXX so during this time I did not receive any mail from XXXX all the way until XXXX of XXXX I got a notice from the irs stating i owed taxes on funds from XXXX so I called XXXX they confirmed that a card had been issued and that I should call BofA so I did and BofA confirmed that my card had been activated and the funds were gone and not only did they spend my money they even reported fraud and got the money paid out to them again.they completely took over my account and so I made a fraud claim of my own back in XXXX of XXXX and they only replaced about {$4000.00} of my claim and then denied me the rest of my claim stating that they already paid me the money so basically they confusing me with the person who stole my card from me even after I explained my claim to them just like Im doing now and this has been ongoing since XXXX of XXXX. I really need some help please.
Consumer complaint received 2024-01-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (FL)

I have paid over XXXX loans on this account I got a email that I had until the XXXX for one the loan I have left to pay and were on the XXXX I receive email saying I had until the XXXX to come up to date with my payment which am here on the XXXX fixing my past due and being up to date and I see my account charged off! Am not going to have you guys ruin my credit and lie and say charged off when am here in the time frame to fix things I been over two hours on phone trying to fix this issue thats completely not fair to a long term good customer! Your system is lying and glitching I had until XXXX to fix your rep also said the same email that I was sent from you guys said the same fix this!
Consumer complaint received 2023-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CarMax, Inc. (TN)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2022-12-21
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. (FL)

This account by the name XXXX XXXX XXXX XXXX Is reporting to my credit without any legal grounds and experian I will hold responsible in court for wrongfully verifying an account who is wrongfully reporting on my credit falsely claiming I have entered into a contractual agreement with them when I have no knowledge of ever signing anything or doing business with them at all. I have asked for validation of this contractual agreement, I understand that it is as easy as entering information into a excel sheet and sent to the credit bureaus and information can be reported to anyones credit and that companies can take advantage of this and wrongfully report to an individuals credit so I want the contract they claim they have that they have claimed I signed with my signature if it can not be produced and this account is not removed for wrongfully reporting I will be forced to sue experian for giving me a computer generated cookie cutter response when I am actually being targeted by predatory credit reporting practices. I have attached the photos showing experian took only 1 day to investigate my issue, I also want to know the exact steps they took to validate this account.
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I wanted to learn more about the credit limit increase so I clicked the link " Increase Credit Limit ''. The next thing that came up was " Thank you for your request. '' I did not want to request for one I wanted to learn about it. I did not submit any application and the request was denied. So now my credit score will drop against my will because I did NOT apply for a credit limit increase.
Consumer complaint received 2023-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I am reaching out to discuss a matter of significant concern that has impacted my ability to meet my financial obligations. As you are well aware, the world has faced an unprecedented challenge with the COVID-19 pandemic. Like many others, my family and I have been directly affected by the health, economic, and social consequences brought on by this crisis.

Due to the COVID-19 pandemic, my household has experienced job loss, reduction in income, and increased medical expenses, which have resulted in financial strain. Despite my best efforts to maintain a steady payment history, I regret to inform you that I fell behind on my mortgage payments for the past few months. The circumstances were beyond my control, and I sincerely apologize for any inconvenience this has caused to your institution. 

My request is to consider making a one-time goodwill adjustment to my account. 
XXXX Account number : XXXX This could include waiving any associated late fees, reevaluating my payment schedule, or offering a temporary reduction in interest rates. I assure you that I will make every effort to honor any modified agreement promptly.
Consumer complaint received 2024-01-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

I called the company on XXXX occasions asking them to send me validation of debt letters which one time they said that they did. I never received anything. I also disputed both online and over the phone with XXXX and XXXX to which they came back verified. When I asked how they verified the debt they said that the company verified it. I told them that it wasnt sufficient and that someone had to send me some kind of proof and that the company can not investigate itself.
Consumer complaint received 2024-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (GA)

This complaint is a followup to the previous XXXX complaints. The issue has not been resolved. Fay Servicing is charging my escrow account XXXX  times for my insurance instead of XXXX time. When I call I get bounced around then someone tells me it will get fixed in XXXX days. When I call back there is no record of anything and I start completely over explaining the issue. On XX/XX/XXXX I called and request escrow analysis for payment update in XXXX. I was told it would be ready XX/XX/XXXX. They completed the escrow analysis but nothing changed. They were still charging me XXXX times. I was told I need to be transferred to the insurance department. I was disconnected in the process. XX/XX/XXXX I called the insurance department and was told I needed to be transferred to customer service to request the analysis. The Escrow Rep and the Customer service rep both agreed that I should only be charged XXXX time for the policy {$5100.00}. They both agreed and said another analysis would be updated. On XX/XX/XXXX I called back and the customer service rep said the request had not been submitted and I had to explain everything all over to him and had to get transferred to insurance department and back again. I was told it would be ready XX/XX/XXXX. I called XX/XX/XXXX and nothing was done and had to start over again transferred XXXX  times on the phone over XXXX minutes.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XXXX Reported several unauthorized transactions on my daughters high school checking account. Rep shared her access was cloned and disabled the digital wallets that were not hers. Debit card and online account was compromised. 

All disputed transactions were temporarily credited. All but one was settled. 

XX/XX/23 XXXX for $ XXXX no such contact in XXXX/ XXXX XXXX XXXX date on letter - Received notice that claim is denied based on investigation with XXXX. I called and was told XXXX determined that this was authorized by the account holder based on their research. I disputed that and was told I have to prove otherwise. I have no details of this investigation and know and they know her account was compromised/cloned in some way. 

They allowed someone to steal XXXX ( earnings from first summer job ) from a minor. I need information from them to fight this and they wont provide it.
Consumer complaint received 2022-12-21
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on 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 XXXXXXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$450.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mercedes Benz Financial Services (CA)

I have never done business with this company. I owe this company nothing. 5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2023-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XXXX, I applied with my personal bank for auto financing. When approved, I contacted the dealership that I wished to purchase from and affirmed with them that they had received the financing package from my bank, and that I could come down and purchase a car. 

Once I chose the vehicle, an unknown financing agent in the auto dealership, continued without my authorization, to pull various credit reports, with unknown and unapplied to lenders. At the dealership, I informed the finance manager, that the inquiries were unauthorized and should be removed from my credit report immediately. 

Furthermore, I have a FULL FRAUD ALERT/CREDIT FREEZE on my credit files at all XXXX credit reporting agencies, and it requires them to contact me to verify if a credit application has been sent to them. None of the companies that were not authorized to receive my credit, followed the proper procedure, and this is a violation of my rights under the FCRA, when a credit freeze is applied. Furthermore the companies in violation, have made no attempt to correctly follow the verification process for my credit file. 

On XX/XX/2023 at XXXX, XXXX, I contacted the credit reporting agency responsible for allowing my credit report to be given to unauthorized parties, but again, this CRA XXXX XXXX, stonewalled with an automated system for XXXX minutes, then hung up the call when I reached the consumer affairs department to speak with XXXX XXXX and then XXXX XXXX who hung up the call ). This type of behavior, is again a violation of my rights under the FCRA, and if continued, I will engage, once more, in aggressive litigation against all parties who were involved in this egregious violation of my personal credit information, which also caused a loss in credit score, which is a damage/recoverable offense, in litigation, on my behalf. 

If these companies do not comply with immediately removing their inquiries from my credit report, and refrain from any future unauthorized credit access to my information, I stress again, that I will file aggressive and financially punitive litigation against the offending parties.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2024-01-11
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. (TX)

I

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

I banked with US bank they closed my account because they couldnt verify a cashiers check I received from XXXX.They requested verification from BMO which XXXX made a letter of verification that the funds did belong to me.They still got my funds on hold even after they got the verification of funds verified through BMO.i have documents attached that the funds belong to me.At this point they are enduring me.Im homeless, lost my car, and lost job cause I am not able to get to work.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (ME)

Account closed in XXXX Due to Maine statutes, this account should have been removed from my credit reports. This account keeps changing status. Account as closed per my request in XXXX XXXX, and due to medical hardship, I did not make any further payments. I have attached a letter crom XXXX XXXX XXXX XXXX XXXX XXXX for further reading. This is a blantant violation of Maine Statute .32 MRS 11013 ( 8 ).
Consumer complaint received 2018-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southern Star Capital, L.L.C. (TX)

On XX/XX/XXXX I submitted an online refinance application to XXXX XXXX, Loan Officer, NMLS # XXXX, with Southern Star Capital, LLC, dba Reliance Mortgage. 
On XX/XX/XXXX I had a telephone conversation with XXXX XXXX at Reliance. He requested additional information, which I forwarded that day, and he told me he would have an answer by Monday, XX/XX/XXXX. 
I did not get a response so I called XXXX XXXX on XX/XX/XXXX, and left a message requesting a call back. I also emailed XXXX XXXX that same day requesting information. 
On XX/XX/XXXX I had still not received an answer so I sent another email to XXXX XXXX. 
To date, XX/XX/XXXX, I have still not received any response from anyone at Reliance Mortgage
Consumer complaint received 2024-01-11
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: CITIZENS FINANCIAL GROUP, INC. (VA)

I got XXXX XXXX on XX/XX/XXXX and unfair dismissal in the workplace last week XXXX XXXX. I will sue that company and the XXXX of XXXX XXXX and fight in court. So, since I have no income during the litigation period, I hope to receive mortgage support or forbearance.I pay about {$2600.00} every XXXX at XXXX XXXX.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have some late payment reports in the XXXX XXXX XXXX XXXX account XXXX, please I need you to update my payments on time or else delete those unfairly late payments from my history, thank you very much