davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
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. (CA)

On XX/XX/2022 I discovered ( XXXX XXXX Services Account XXXX ) had been re-inserted into my credit file. Equifax is required to notify me within XXXX ( XXXX ) days of re-inserting a previously deleted item. 

Equifax did not notify me.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FISERV INC. (FL)

HELLO MY NAME IS XXXX XXXX I AM TALKING ABOUT MY MERCHANT ACCOUNT WITH CLOVER XXXX  XXXX TO REQUEST THE SENDING OF MY FUNDS WHICH ARE FROZEN THE LAST TIME I CONTACTED THIS COMPANY THEY TOLD ME THAT I HAD TO WAIT 2 CONSECUTIVE MONTHS WITHOUT HAVING DISPUTES, TIME HAS PASSED PLEASE RELEASE MY FUNDS SEND ME A CHECK TO MY PHYSICAL ADDRESS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, SINCE MY BANK ACCOUNT IS CLOSED, SEND ME A TRACKING NUMBER TO FOLLOW UP THE CHECK THANK YOU
Consumer complaint received 2019-09-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

I have 2 complaints about M & T. 
1 ) questionable tactics to takes someone's home and foreclosure. 
2 ) having a loan modification process that gives the consumer only 18 days to provide dozens of documents. Some like taxes, have to be ordered. When the customer can not get the long list of documents in the 18 days. M & T cancels the customers application and deletes their account. they are just mean.. 

I am the most disappointed i have ever been with a company and can not believe they can do business like this and get away with it. Quick summary is the bank refused, yes refused to take my payments and started sending me foreclosure notices. 

Thanks. Just a couple more fact 1 ) fact 1 my payment suddenly went up {$1200.00} in XX/XX/2019 because M & T did a escrow adjustment, i had no idea, that was going to last 2 years. 
2 ) fact 2 i became behind for XX/XX/XXXX ) fact 3 i offered to pay {$3900.00} in XX/XX/XXXX which is a full payment and they refused. They refused my payment.They then proceed with letters from lawyers to my house threatening foreclose. The only way i can describe what they did is the word evil.
Consumer complaint received 2021-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TN)

I actually have no knowledge of this account. When I log into XXXX XXXX this collection does not pop up on my report. A letter was not sent to me requesting that the debt they assume I owe be verified. They never notified me through mail stating I am responsible for a { {$100.00} } bill from XXXX. I was never sent a bill as a validation of this debt, but I need an original validation identifying of my signature stating I had an account with the company. If they can not provide original documentation bearing my signature, I want this collection item removed from my credit report
Consumer complaint received 2022-09-02
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: MARINER FINANCE, LLC (GA)

To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately.

The following account was a Charge-off. Balance should be 0. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 3.The Following Account Was A Charge-Of. XXXX should be 0. XXXX Account Number : XXXX The Following Account Was A Charge-Of... 
* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX
Consumer complaint received 2021-02-19
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 — Investigation took more than 30 days
Company: FC HoldCo LLC (CA)

I have really struggled during covid I have made my payment noted some were not over 30 Days late but flag ship credit acceptance has put every kind of negative remark they could to diminish my credit Ive payed and as of XXXX my accoubt was changed to good standing I payed two payments in XXXX and two in XXXX which I have supporting documents on XX/XX/XXXX I have a delinquent status again but I bought a new car on the XXXX and traded that one in Ive sent all the in formation to both creditor and XXXX no one is replying to my emails they hang up the phone on me please do not let this company continue to behave this way. I didnt need a new car but they have been such a headache I wanted to get out from Under that loan so I had no dealings with them they do not care about the customer harass you daily during covid manager says they stop doing latte fees during covid but yet they still are taking them out
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent multiple requests to Experian and XXXX regarding incorrect addresses. I requested that XXXX XXXX XXXX XXXX be removed from my Experian report and XXXX  XXXX XXXX XXXX XXXX be removed from my XXXX report. Both have come back refusing to delete this erroneous information. I have submitted certified receipts as well as a copy of the letter sent to the bureaus.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Dear Consumer, The Division of Banks ( Division ) is the regulating authority for state-chartered institutions in the Commonwealth of Massachusetts. Citizens Bank is not a state-chartered institution, but rather a federally chartered institution ; as a result, Citizens Bank falls outside the Division 's regulating authority. Citizens Bank is regulated on the federal level by the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB may be reached at XXXX or at the address listed below : Consumer Financial Protection Bureau po box 4503 Iowa City, IA 25544 www.consumerfinance.gov ( F ) ( XXXX ) XXXX The Division appreciates your correspondence and hopes that this matter can be resolved with the appropriate regulating authority. 

Regards, XXXX XXXX XXXX  Massachusetts Division of Banks From : XXXX, XXXX XXXX XXXX XXXX ) XXXX Sent : Monday, XX/XX/2022 XXXX AM To : XXXX Consumer Assistance XXXX Subject : complaint against Citizens Bank Importance : High CAUTION XXXX This email originated from a sender outside of the Commonwealth of Massachusetts mail system. Do not click on links or open attachments unless you recognize the sender and know the content is safe. 

Citizens Bank, update made to website has blocked all your members from accessing their loan and bank information. Complaints made to individual banks and impossible to get help from customer service representatives The website does not recognize my information and instructs me to contact customer service. The chat option on your website is not activated, there is no email option, hold times are downright insulting ; for technical support 1 hour wait time. How can a bank treat customers like this. I even tried the corporate office phone number posted ( XXXX ) but it just disconnects mid-ring. If not resolved Ill be forced to go to another bank. 
I can't access my accounts. Feel I'm being forced to do online banking when I don't want to except to view my accounts. There's other who wrote complaints on Citizens corporate web site.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-12-26
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. (FL)

THE ACCOUNTS DISPUTED WERE NOT AUTHORIZED BY ME, THE ACCOUNTS ARE SHOWING CLOSED ACCOUNTS WHEN I WAS UNAWARE OF IT. I DID NOT GIVE ANY AUTHORIZATION FOR THOSE ACCOUNTS AND THEY ARE REPORTING NEGATIVELY IN MY ACCOUNT
Consumer complaint received 2019-11-29
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. (AR)

Over the course of the past several months, I've consistently been in contact with Experian consumer reporting agency regarding several fraudulent accounts being reported to my consumer credit file. I've sent numerous letters disputing the validity of these accounts which included a copy of a local police report that was filed by myself. The police report that was included, listed the accounts that were in question and established without my knowledge or consent. Under the Fair Credit Reporting Act section 605b, Experian continues to violate my consumer rights by continuing to report the fraudulent accounts to my credit file after being notified of the information resulting from identity theft and failing to block the information within 4 business days of notification. This situation has caused a major burden on my current financial situation and been detrimental to my creditworthiness. I have been unsuccessful in my previous attempts in trying to resolve this matter with Experian and plan to pursue litigation as a final result if necessary. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are the accounts that are in question and should not be appearing on my credit file due to identity theft.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX. XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX. XXXX ACCOUNT NUMBER XXXX XXXX. XXXX ACCOUNT NUMBER XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX XXXX INQUIRIES, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted XXXX and Transunion and XXXX and asked for them to investigate and remove the inaccurate accounts from my consumer report that they are ILLEGALLY Reporting and I requested specifically the alleged original application bearing my WET SIGNATURE and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2022-06-01
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. (MD)

XXXX XXXX XXXX, XXXX XXXX, XXXX reporting late payment without my permission XXXX XXXX And XXXX reporting late payment without my permission
Consumer complaint received 2022-01-31
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS DISPUTED WERE NOT AUTHORIZED BY ME, THE ACCOUNTS ARE SHOWING CLOSED ACCOUNTS WHEN I WAS UNAWARE OF IT. I DID NOT GIVE ANY AUTHORIZATION FOR THOSE ACCOUNTS AND THEY ARE REPORTING NEGATIVELY IN MY ACCOUNT
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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. 

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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-31
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. (TX)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-01-08
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. (MI)

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

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 15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

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 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 then seven years.
Consumer complaint received 2019-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CO)

I was notified via email at XXXX MST on XX/XX/XXXX that my Wells Fargo checking account was closed on XX/XX/XXXX. At XXXX, XX/XX/XXXX I called Wells Fargo 's XXXX and spoke with a customer service representative that was unable to make sense or provide detail on why my account was closed. Later that same day, I went to a branch location to further troubleshoot why my account was closed. No answers were provided other than that it definitely looked like the account " was closed in error ''. My issue was elevated to Wells Fargo 's resolution team. I have yet to receive information on why the account was closed. 

The lack of communication to avoid the closure is most frustrating ( and the fact my pay had been going here for 2+ months ) ... the timing my account closure was the week before XXXX ... and although it was closed on Tuesday I was not properly notified until Thursday. Because of this delay I did not have an adequate amount of time to stop my employer 's direct deposit to this specific account.
Consumer complaint received 2024-03-14
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I sent letters to the Credit Bureau to remove the unauthorized inquiry and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
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
Consumer complaint received 2022-09-02
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. (CA)

In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX