davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

In XX/XX/XXXX my family experienced hardship and qualified for XXXX relief forbearance. Our previous loan servicer, XXXX XXXX XXXX presented us with the options to either pay off the unpaid sum, place the payment at the end of our loan, or a modification. We continued to utilize this forbearance and had to certify with them every XXXX months. Every time I spoke with them I discussed the same options and voiced I would like it placed at the end of our loan. 

In XXXX our loan was sold to M & T Bank, and the records and notes on our previous account were deleted ( purposefully in my opinion ) in the exchange. M & T also said that the previous loan servicer " Didn't do the forbearance right ''. They're throwing blame off themselves for not reviewing our account before purchasing? They called me on XX/XX/XXXX to discuss the forbearance and said they no longer offer the option to place the payment at the end of the loan and we can modify or pay XXXX. I was told the program ended in either XXXX or XXXX for VA loans to utilize that payment type. It wasn't communicated to us that it wasn't an option until XX/XX/XXXX, right at the very end of our forbearance period. M & T sent us a modification notice which is dated XX/XX/XXXX but I checked my USPS mail scans and the document isn't listed that they delivered it. The modification offered wouldn't be affordable by doubling our interest rate and adding over 1k to our monthly payments. I believe they are preying on us. I did file with the California Mortgage Relief program since our forbearance ends this month and they are threatening to foreclose.
Consumer complaint received 2017-07-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was approved for a line of credit on  XX/XX/XXXX  and closed on   XX/XX/XXXX . I t ook {$20000.00} to pay student loans and no other monies were to be disbursed. I never used the line of credit money and have been paying on it since. I received a letter saying my payments will be going up to {$840.00} in  XX/XX/XXXX . That is how I found out that this money had been taken years ago. I reached out to Bank of America ( BoA ) and received a letter saying that an ATM card had been issued on that account in my name 13 days prior to closing on  XX/XX/XXXX  and used to withdraw {$75000.00} on  XX/XX/XXXX . The letter also states that debit cards are mailed within two business days but this was not the case. I would have finished paying off the {$20000.00} by now but now BoA is expecting me to be responsible for the other {$75000.00} that was stolen. The house is only worth half of that and I ca n't even sell it to pay off the loan.
I reached out to BoA but they have n't been very cooperative. Fraud has been committed against me and I need them to send me copies of documents.
1 ) I need a complete copy of the original closing documents including the 3 day right to rescission form 2 ) Who ordered the debit card on  XX/XX/XXXX  before account was opened 3 ) Who authorized/signed off on the {$75000.00} withdrawal. I was told that money is n't available that quickly I would like this information as soon as possible so I can proceed.
Thank you for your assistance.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XX/XX/2018 I used the free credit reports website to access and print off all three of my annual credit reports. My name is unusual, and all three had multiple incorrect listings. I attempted to alert them to this, but the only avenue they provide is as a dispute, which must be handled they say via email. So email address and, weirdly, a password were required. Today, XXXX XX/XX/2018, I received an email from TransUnion congratulating me on being signed up for their service, only {$19.00}, no word or way to correct the names listing, and no email reply accepted. So I went to their online customer service page, which provides a phone number. Which I called, waiting some minutes, and finally spoke with " XXXX '', poor man. XXXX required my social security number, name, mailing address, pulled up my file, listened to my request to correct my name, then started telling me he had to ask me questions to verify my identity -- the same questions I'd answered the day before online. By now I'd spent 40 minutes on this and was becoming angry. He began asking the questions, but began to break up so I could not hear the multiple choices to answer, which I told him. I also said this was a ridiculous way for TransUnion to behave, apologized for my angry voice, that I wasn't mad at him but at his company, and that I couldn't hear him and was going to hang up. I also said I was going to complain about this bait and switch, starting with my state 's attorney general, and I hung up. I didn't contact the attorney general, I contacted you. 

My last name is two separate and equal words, which computers sometimes can not handle. Even so, I have had to correct only one account in the last 20 years, with XXXX XXXX. So there is no reasonable explanation for all these aliases. I also have two middle names, which complicates things somewhat but honestly, it can't be impossible in this day and age to get somebody's name right. Social Security can. I bet the IRS can, too. OK, that's it : incorrect names and trying to say I signed up for a service I did not sign up for when they know perfectly well they can themselves report my failure to pay them as a ding on my credit. Pretty furious at them. Hope you can help.
Consumer complaint received 2024-06-27
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: Sensible Auto Lending, LLC (CT)

Code 15 US C 168 1b XX/XX/year> I spoke on the phone to a credit specialist regarding the close account from sensible auto, and then ask her to validate the debt, and she was not able to do it, stating that I should contact the original credit bureau in order to remove the step off my credit report. And then stated that I contacted sensible auto and 80 days ago and no one has gotten back to me to date. 

I have sent them FCRA letter and a consumer law letter stating, when a vehicle is sold it is no longer the persons which has reasons to believe.
Consumer complaint received 2020-04-28
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS THUS REFER TO ATTACHED IDENTITY THEFT POLICE REPORT. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED EIGHT 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE DELETE THE BELOW ACCOUNTS AND REFER TO THE IDENTITY THEFT POLICE REPORT.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

I received an email from Synchrony bankXXXX stating that my credit card account was closed. I have always made payments on time with the exception of XXXX where I paid the account late. In either XXXX or XXXX I had an issue with this account because I paid at the beginning of the month and had been doing so since I got the card. I was charged a late fee for paying my account on the same day the invoice was made ( the XXXX XXXX. I disputed the late fee and was told that I paid it too early and the payment I made was applied to the previous month 's statement even though I had already paid that month 's installment. The phone calls I made to the bank were recorded by the bank. My payments with the exception of this month, XXXX, have always been paid before the XXXX of the month which is when the payments are usually due. Now all of a sudden I receive notification that they closed my account. I chose to go this route as opposed to reaching out to Synchrony Bank because my previous conversations with them about my account have been very unpleasant. They couldn't understand why I felt that my payment was on time be it that the invoice was made that day.
Consumer complaint received 2018-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (CT)

This is a response to complaint number XXXX ... I didn't sign a contract with XXXX, I signed a contract with XXXX so not sure why I would owe a company money that I didn't sign a monitoring contract with. Also I NEVER received a bill from XXXXs and XXXX is the company that interrupted my service in XX/XX/17 for non payment when all along they were endorsing my checks ... so there is confusion somewhere and I should not be held responsible for XXXX 's mishaps. Who is XXXX??? MY CONTRACT CLEARLY SAYS I SIGNED A CONTRACT WITH XXXX NOT XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

THE PAYMENTS WENT TO THE COMPANY I SIGNED A CONTRACT WITH : XXXX!!!! 
AGAIN, I am attaching the one and only XXXX contract I signed, the service interruption notice, and the payments I made with the company I signed a contract with : XXXX!!! Again, explain who XXXX is as I did not have an alarm monitoring contract with any other provider than XXXX. So there is clearly an ERROR somewhere!!!!!!!!!!!!!!!!!!
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 ), Account name : XXXX XXXX XXXX XXXX XXXX # XXXX ( 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 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 2022-11-30
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. (GA)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. They have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiry and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiry and inaccurate addresses from my credit file. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2017-07-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I graduated school in   XX/XX/XXXX   I was under pressure to go school back in  XX/XX/XXXX . My mom and dad cosigned my loans. My mom was paying the interest on several of my loans while I was in school but the loans barely decreased. After coming out school she was paying what she could while I found a job. She  XXXX    XX/XX/XXXX   since then I have been unable to pay the amount asked which is over $ 1200/ month. Earlier in  XX/XX/XXXX  Navient threatened to sue and take me to court. Unless I made 3 consecutive payments at  XXXX / month. I was not told my account would automatically be debited. My dad helped me make a few payments which he barely even had. Since then they have been trying to take money out. I called in to complain one month where the automatically took money which was supposed to be used for rent I almost got evicted that month. I do n't make enough and I keep telling them that but they wo n't let me pay no less. My debt to income ratio is insane. They have harassed my phone several time which caused me to switch numbers several times they used to call my mom while she was at work she never included her work phone number on the application so we are unsure how they got it. They also call my dad who currently lives in  XXXX  consistently whenever a payment is missed. When we would make payments they were supposed to spread it across all loans but they would only do it on a couple and then harass us over the rest and we would have to call them and tell them it was supposed to be across all loans and then they would fix it. This happened several times which damaged mine and my fathers credit drastically.   XXXX   XXXX  /Navient has tarnished our credit so bad he is unable to refinance his house and is paying an outrageous amount on interest on his house. I ca n't even rent a new apartment at lower rent because I do n't qualify.
Consumer complaint received 2020-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2019 I a letter from XXXX XXXX Card indicating there were unauthorized transactions to my new card in the amount of XXXX. A card that I did not receive! Apparently someone used this card fraudulently. 
I contacted XXXX and they told me that they are in a process to close the account but they never did. Not only that, they keep sending letters requesting a payment and warning for penalties. I requested that these transactions do not appear on my credit report and to issue me a new card. Although the bank rep promised that they won't report this to the credit bureaus I recently found out that they actually did and that effected my score dramatically. Up until this incident has occurred, my score was around 750  and afterwards it went down to around 570.
Consumer complaint received 2024-05-26
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. (FL)

I am writing to bring to your attention that the information on my credit report has been impacted by a credit bureau breach. As a result of this breach, my personal information has been compromised, leading to inaccuracies or fraudulent activity on my credit report. 

I take the security of my personal information and credit history seriously, and I have taken proactive steps to address the situation. 

These steps include : Reviewing my credit report regularly for any unauthorized activity or inaccuracies. 
Disputing all inaccurate or fraudulent information found on my credit report. 

I have attached documentation related to the credit bureau breach, including any correspondence I have received regarding the breach and any relevant evidence of unauthorized activity on my credit report. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. 

I demand the following accounts be removed immediately : XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$8100.00} XXXX XXXX  VALIDATION OR DELETE {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX  VALIDATION OR DELETE {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$2200.00} XXXX XXXX XXXX XXXX  VALIDATION OR DELETE {$710.00} UXXXX XXXX XXXX VALIDATION OR DELETE {$10000.00} XXXXXXXX XXXX XXXX VALIDATION OR DELETE {$11000.00} XXXX XXXX XXXXXXXX XXXX VALIDATION OR DELETE {$5.00}, XXXXXXXX XXXX XXXX XXXX XXXX  VALIDATION OR DELETE {$560.00} XXXX & XXXX XXXX VALIDATION OR DELETE {$980.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$290.00} XXXX XXXX XXXX VALIDATION OR DELETE {$330.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$530.00} XXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$300.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$5500.00} * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  card account # XXXX Has an inaccurate amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

N accordance with the fair credit reporting act XXXX account # XXXXXXXX has violated my rights 15 u.s.c 1681 section 602 A state. I have the right to privacy 15 u.s.c 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account with out my written instructions Bankruptcy
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I pay for a monthly subscription to TransUnion for my credit report and score. 85-90 % of the time I can't access a current or accurate credit score through the website when I log into my paid account. I also can't access functions such as file a dispute or lock/ unlock my credit report. I have called TransUnion on multiple occasions to try and resolve this matter w/ a representative and I get either hung up on, spoken to poorly, given wrong information and the issue never gets resolved. There are items on my report that are inaccurate or don't even belong to me and they refuse to correct the inaccuracies. 
I haven't had an up to date report in days/ weeks because their website hasn't been able to generate a current one.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. ()

Cash App closed my account in XX/XX/2023. They have said to this day they are reviewing my funds ever since. Every single contact I try make they copy paste same response. Account closed balance under review copy of complaint procedure. They have not followed their own procedure or deadlines and absolutely nothing has been done to review the account in almost one year. I was basically mocked via email from a supposed manager. I explained I have a XXXX XXXXXXXX and can not understand yet they continued to ridicule me and send same response over and over and over. They are holding valid funds with no end in sight. They have never initiated contact and when I do I get same generic response no movement or further forward in nearly 1 year
Consumer complaint received 2023-05-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pittenger Law Group, LLC. (MO)

The Pittenger Law Group Llc took on a collection debt on XX/XX/2023 From XXXX XXXX XXXX. I obtained attorney to settle the amount from XXXX to XXXX which I signed off to pay. With this Law Firm it only accepts one form of payment to be a collection agency. Which this Law Firm does not accept my checking account due to its a debit card but I have never had any issues using my checking for ACH debit. With this being a Law firm collection agency how can they only allow one form of payment. The collection agent gave me the incorrect code For money gram. I believe they are making it hard for customers to make their payments to have to take them to court. They are rude and unprofessional. This Law Firm needs to be Investigated. I have filed a complaint with the Attorney General also