davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (DE)

Hi, I checked my banking statement today and just happened to notice that M & T Bank has been charging XXXX {$3.00} every time we pull money out of our account from a non mt bank. I was confused as to why we are being charged a {$3.00} fee when no one ever mentioned to us that we we would be charged a fee to take money out of our account. Their website clearly states under number XXXX and XXXX that they will not charge you a fee. I will post the link below. I called a customer rep today XXXX pm and she stated that I had to visit a MT Bank not to be charged a fee. I also asked her would they reimburse me for the atm fees and she mentioned that I could call the branch to ask them. She wasn't very helpful at all. I advised her that I use XXXX XXXX  at XXXX or XXXX XXXX  to take money out of our account. I even mentioned to her that if we don't get reimbursed for these atm fees that I will be moving our money to our other bank since they do not charge us fees and the customer service rep said that I could use which ever personal bank that I wanted. She wasn't very helpful and didn't seem to care about me stating that I would close our account. Driving XXXX minutes to an XXXX  XXXX  with traffic is an inconvenience. I called the XXXX  XXXX  in XXXX XXXX  which is known for not being XXXX friendly and of course no one answered the phone. We have not only a personal but I have a business account with MT Bank. I would like to be reimbursed for the ATM fees or we will be closing our account. I reviewed our bank statements and had no idea that we was being charged these junk fees when their website states other wise. 
We were charged {$3.00} for all of these dates and requesting that we be reimbursed for a total of {$54.00}. I posted the link at the bottom of their disclosure. 

XXXX XX/XX/XXXX XXXX None XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX # : ~ : XXXX % XXXX 's % XXXX % XXXX, XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX, XXXX % XXXX % XXXX % XXXX % XXXX % XXXX.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NY)

I banked with simple.com which was purchased by PNC Bank. I tried to close the account but was not able to close it to due to long wait times. The account transferred from Simple to PNB Bank with an account balance of {$0.00} On XXXX XX/XX/2021, I received a collection notice for {$32.00} for monthly fees that Simple didn't charge. I tried calling the number on the letter which said the system did recognize the number and disconnected the call.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Someone opened an account in my name from a company called XXXX. The account isnt mine is why it was thrown out of court. Two of three credit bureaus have removed it off my credit. Experian refuses to remove this off my credit even though it isnt mine.
Consumer complaint received 2024-06-11
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LoanCare, LLC (FL)

On XX/XX/XXXX was the closing of my home with XXXX XXXX XXXXXXXX, it was then quickly sold to XXXX XXXX XXXX XXXX, one of many in a pooling. 
A request for validation of debt began in XX/XX/XXXX, unable to verify the debt, they began a foreclosure without ever proving ownership of said debt nor ownership of the original note. 
2 forensic analyses were performed, both found missing disclosures including the 3 day recsission disclosure. The forclosure case in state court was # XXXX. 
I transferred the case to Federal Court, as RESPA, TILA laws are ajudicated there. 
It is now in Florida XXXX XXXX XXXX, case # XXXX. 
XXXXXXXX XXXX XXXX is the plaintiff,2 recsissions have been sent, a reminder,2 demands for discovery, a follow up ... every single communication has been ignored by both XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX 
I will attach the forensics and the recsissions and demands. please see the federal dockets, various motions have been ignored as well, XXXX is in default and refuses to perform, but wants to drag me back to State Court..
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

A few months ago, XXXX XXXX ( AA ) locked my AAdvatage Account due to a security issue. AA required me to create a new account. The old account is XXXX. The new accout is XXXX. My elite status, Citi World Elite MasterCard ( which includes my AAdmiral 's Club membership ), etc., has not transferred over to the new account, and, when I try to merge the old account with the new account, it says : " Unable to merge account # XXXX because it's registered in the AAdvantage Business program. Work with your travel manager to remove this account from the business profile, and then try again. '' I am the " travel manager '' of the business. The business account number is XXXX. I have repeatedly asked AA to delink the old personal account from the Business Account and/or to delete the Business Account so that I can merge the two personal accounts and resume receiving the many benefits that I am paying for.
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

In XXXX of XXXX I paid off all of my credit card debt - some of which were settlements for less than the actual balance that was due. Regardless, they were all completely paid off to a zero balance. 
My husband and I are currently applying for an auto loan. According to our credit union ( XXXX XXXX ) and the credit report that THEY run ( which they claim is Experian ), one of my credit cards is still showing delinquent. It says Charge off delinquent. This is with XXXX card. Others on my report say settled, or something to that manner. 
I have contacted the XXXX company. I have gotten all XXXX of my reports. I showed them my Experian report ( and the dispute I filed with them ). Nowhere on any of the reports that I am seeing is it showing what their report is pulling. They are unwilling to accept any of the reports or proof that I can provide. I can not figure out though, how they are pulling the info that they are. 
They suggested that I contacXXXX XXXX which I did. I called and was sent through a continuous loop of automated prompts. I also went to their website, but can't find a way to actually file a claim or concern. I am to the point where I don't know where to turn for help. I do have copies that our credit union gave me to verify what they are seeing on their end. 

Attached is a copy ( XXXX pages ) of what the credit union gave to me. The blue highlighted areas are the concern they have with what they see. The XXXX page from them just shows contact info they suggested. The XXXX picture is of the screenshot from Experian showing that the account is paid in full.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DriveTime (TX)

I looked on my credit report and as well as my name someone else name is on my credit with different address, phone numbers, and as well as mine and inquires on my account that i did not authorize that is under the other persons name but on my account
Consumer complaint received 2021-11-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: A-L FINANCIAL CORP (CA)

During XX/XX/2021 I emailed A-L Financial from their website questioning why my car payment history doesn't appear on my XXXX XXXX or XXXX credit report. I never received a response and I didn't have a record of the contact form. Today I was looking over my credit reports again to see if they had taken any action and maybe just had not reached out to me. Again no sign of my car payments being reported. 

I called the office of A-L Financial in XXXX XXXX  and I asked why my car payment is not being reported to the XXXX credit bureaus. I was told they only report to XXXX and if I wanted to have it reported to the other XXXX I'd have to do it myself. I don't know if this is a legitimate option for a finance company or not but I've never had this happen to me. 
I have had my car for XXXX months and never late on a payment, I am trying to rebuild my credit and my credit reports all look different, they all have different balances in part because of the non reporting of this company. 
I purchased the car thru XXXX XXXX which is a huge dealership at no time during purchase or after wasI ever told that I'd need to report my car payments to the credit bureaus myself. 
After speaking with the finance company today I contacted XXXX XXXX to find out how I could report it myself and was told there's no way for me to do that. XXXX XXXX referred me to the FTC where I found your information. 

This is a complaint against : A-L Financial Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ph # XXXX If this is in fact something they are allowed to do and I am unable to have them report to all XXXX credit bureaus can you please tell me how can go about reporting it myself. 
This seems awfully unfair and sketchy to me. Why would a financial institution refuse to report to all XXXX credit reporting agencies. 

Please advise, your assistance with this matter would greatly appreciated. I feel like I have been scammed. I bought the car to help re-establish my credit and this is like a set back. It's almost been a year since I purchased the car and I am not getting any points on my other XXXX reports for paying on time or generating a positive account.
Consumer complaint received 2023-01-14
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: Consumer Adjustment Company Incorporated (MO)

On XX/XX/XXXX Consumer Adjustment Company added negative remarks on my credit report from XXXX dropping my score XXXX points. I have never had an account with XXXX or Consumer Adjustment Company. I have never received a call nor letter from either Consumer Adjustment Company or XXXX. It shows this account was opened on XX/XX/XXXX and has a balance of {$2900.00} This is not my account.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

A. Between XX/XX/XXXX and XX/XX/XXXX I consecutively disputed the amount owed to The Department of Education XXXX, with Experian XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX During that time The Department of Education XXXX furnished LATE PAYMENTS ( 6 ) for each of those months. After fighting for 2 years the alleged balance was FINALLY updated in XX/XX/XXXX from {$5400.00} to {$7200.00}, and my late payments remained. 

B. The Department of Education XXXX is still reporting my account inaccurate. The company is reporting a BALANCE of : {$7200.00} and a HIGHEST BALANCE of {$5400.00}. 
The way this amount is being furnished is inaccurate.
Consumer complaint received 2021-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion XXXX has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXXX Balance {$0.00}
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management (TN)

Fox Collection Center is trying to get me to pay the amount of {$470.00} in lieu of XXXX XXXX XXXX. I have contacted XXXX and I am XXXX therefore I am not required to pay any debts sent over to collections. XXXX at Fox Collection Center has been calling me at least 3 times a day since XXXX of 2021 to pay this balance and I have repeatedly told her that I am not responsible and she would get smart telling me I need to contact my insurance carrier. Now there is someone named XXXX calling from the office as well. The bill was sent out on XX/XX/2021. The last call came in yesterday afternoon.
Consumer complaint received 2021-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX - Inquiry : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX MORTGAGE XXXX - Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX - XXXX : XX/XX/XXXX ; XXXX XXXX  - Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX - XXXX : XXXX XXXX, XXXX
Consumer complaint received 2021-11-24
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: GOLDEN 1 CREDIT UNION, THE (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The Credit Bureaus are reporting inaccurate information on GOLDEN 1 CREDIT UN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I received a phone call from a bank of america number. This number ended up being a scammer who coursed me into sending {$3000.00} from my savings account to myself through XXXX to protect me from fraudulent activities on my account. The so called account I was sending it to ended up being a scammers account. I called immediately after to verify the transaction. It was at that time they made it aware that i was scammed. I submitted a fraudulent claim on the transaction. They said it would be reviewed and a decision would be made. I received a notice that my claim was denied due to them saying they couldn't get in contact with the financial institution that the money got transferred to. They also said I initiated the transaction and they were not liable for the damages. There should be a way to stop payment on these types of transactions or trace them to their origin for reimbursement.
Consumer complaint received 2024-06-10
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. (TX)

Resurgent is attempting to collect a debt not owed. Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e. Please send me a certified copy of your license to collect a debt in Texas. If you purchased this as a debt collections device to make money as a debt collector, thank you for paying off the bill. You have 10 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report.
Consumer complaint received 2022-01-25
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. (MI)

I have opened complaints with XXXX XXXX XXXX XXXXXXXX, CFPB and as of yesterday wrote the White House. 

The Cares Act when executed stopped all Federal Student Loans payments and placed them into COVID Forbearance. Consequently, this reflected on credit reports in some situations as not reporting and on others as Late, see attached. The major issue is that as a personal consumer I never requested the Department of Education, XXXX XXXX or XXXX to place my loans in deferment. Once I noticed the ACH not being withdrawn from my account, I contacted XXXX XXXX  and requested payments be reinstated. Recently, my loans were transferred to a new service provider and with the extension of the Cares Act 0 % interest thru XX/XX/XXXX, they stopped my payment without my authorization. 

This is having a negative effect on my credit report. A consumer should have to request forbearance or hardship, loans should not be placed into deferment unless requested. I have attached my XXXX  history and I have opened disputes with all the Credit Bureaus and XXXX  XXXX continues to update inaccurately. I have an open dispute for the posting of the XX/XX/XXXX Payment that never posted prior to transfer to XXXX. 

I believe COVID Forbearance should be removed from any credit report as there was no authorization to stop payments. They just stopped. For an individual like myself that caught it and reinstated payments, especially! 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: EQUIFAX, INC. (MO)

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Consumer complaint received 2021-11-23
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. (TN)

None of the Collections listed in my letters are verifiable and the accounts are also in violation pursuant 15 U.S. Code 1681a ( 2 ) ( B )
Consumer complaint received 2021-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

None of the Collections listed in my letters are verifiable and the accounts are also in violation pursuant 15 U.S. Code 1681a ( 2 ) ( B )
Consumer complaint received 2018-08-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Are reporting to credit Bureaus When I have numerous times in writing disputed their right to collect and or report to the credit bureaus negative credit info on me. 
I have asked for them to show proof they purchased this debt & the terms & amount of the purchase of this alleged debt. 
All they provide is statements from original creditor, but refuse to show proof of documents any purchase contracts or assignments proving they have the legal right to collect & provide negative info to credit bureaus .As well as what they purchased the alleged debt for, not the balance on original creditor statements
Consumer complaint received 2021-11-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NFM, INC (OR)

I have already sent a cease and desist letter, along with debt validation letter to NFM Lending and they continue to send me letters. They did not send me all the information requested to validate the debt and I am now sending a RESPA qualified written request in hopes of gaining COMPLETE clarification of the account # XXXX. Attached is the qualified written request. Letter sent XX/XX/2021.