davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION (PA)

On XX/XX/2022, I attempted to open an M & T Bank MyChoice Checking Premium Checking account online. I made it through the application and created a user ID & password, but was then told that the account could not be opened online and that I should visit a branch. I never did visit a branch and considered the matter closed. Then in XXXX, while visiting my parents for XXXX, they gave me a letter from a collection agency stating that M & T bank had, in fact, opened an account in XXXX, been charging me a monthly fee, and then turned the account to collections. In the initial application, I provided M & T bank with my XXXX XXXX box location in XXXX, XXXX For my physical address, I used my parent 's address since this is the address on my driver 's license. Any mail on this account should've been sent to the mailing address I included in the initial application, not the physical address I only visit a few times per year. This is a secondary point, though, since I was never properly informed that the account was, in fact, opened. I have yet to receive an email, call, or text from the bank concerning this. The only correspondence I ever received was to an incorrect address.
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (GA)

On XX/XX/XXXX I received notice from XXXX XXXX that one of my accounts had been closed. 
Looking into this I discovered that First National Bank of Omaha had indeed closed my {$3000.00} credit account with a {$0.00} balance. 
I have had this account open for 6 years with an absolute flawless pay history ... .matter of fact I have a flawless pay history on all of my credit accounts. 

The reason I was given is that they use an automated system that determined they needed to close my account due to high balances. 
The {$3000.00} account that was closed pushed my utilization up to 56 % where it had been below that number. 
The reason I was given by Bank of Omaha was that they felt I was over extended and did not want to give me a chance to owe them any money and then not pay them so they closed my account before I had a chance to do that. 
Now I have a flawless pay history on all of my accounts ... revolving and installment and Mortgage. 
No reason to ever think I would not pay. 
Matter of fact I use my credit wisely and often pay off big chunks at a time, but really that is niether here not there. 
Because of this account closure ... ..that is 6 years old and flawless ... .they have hammered my credit scores by more than 40 points. 
Age/History makes up 35 % of your score. Now my scores have plumetted to the 660 range and this could cause a chain reaction down the line where other creditors might start cutting limits which will in turn drop my scores even further ... 
I had something similar happen in XX/XX/XXXX with XXXX and XXXX XXXX XXXXXXXX which you stepped in and helped me with and we were able to get their actions reversed. 

I understand that Bank of Omaha can issue and refuse credit as they see fit.. 
However, I do not see how they have the right to arbitrarily impact my credit scores when they have no track record of me being a bad investment. 
I have no bad track record on any of my accounts. 
The action of First National Bank of Omaha has made me look like I am just an average borrower of many when I have done nothing wrong.
Consumer complaint received 2024-03-11
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: CrossCountry Mortgage LLC (NC)

We have a {$3000.00} credit balance that the company won't apply. So, I called Cross Country Mortgage to correct the problem. However, THE IDIOTS AT CROSS COUNTRY ONLY PUT ME IN AN ENDLESS LOOP OF COMPUTER ANSWERS. NO MATTER WHAT I CHOOSE, THEIR SYSTEM JUST KEEPS RUNNING ME BACK THROUGH THE SAME VOICE RESPONSES. THEY DO NOT PROVIDE ANY MEANS WHATSOEVER TO SPEAK TO A LIVE PERSON ABOUT A PROBLEM THAT ISN'T ON THEIR MENU!!!!!!!!! 

THEY ARE HOLDING OUR MONEY AND WON'T RESPOND TO ANYTHING THAT'S NOT ON THEIR COMPUTER VOICE MENU!!!! 

IN OTHERWORDS THERE IS ABSOLUTELY NO CUSTOMER SERVICE WHATSOEVER!!!!!!!!!!!!!!!!!!!! 

THEY SHOULD HAVE THEIR LICENSED REVOKED!!!!!!!! 

CAN I FORCE THEM TO SELL MY MORTGAGE?!!!!!!!!!!!!!!!!!!!!!!! 

I HATE THEM!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2023-05-15
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: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with XXXX Credit Reporting company. XXXX then would contact First Interstate Bank and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by First Interstate Bank. Leaving the Report INACCURATE. The Account information for this complaint is taken from an XXXX credit report # XXXX for XX/XX/XXXX. The account is XXXX. This is a joint account with my spouse. I will attach 3 documents that First Interstate Bank and XXXX provided. When you examine the documents you will find that the Date Opened is incorrect This account date is taken from the provided documents and is recorded as being opened XX/XX/XXXX ( Error 1 ). Upon examining these documents you will see many months of activity. Terms ( 1 Months )????? what does this mean ( Error 2 ). Monthly payment ( NOT REPORTED ) missing information ( INACCURATE ) ( Error 3 ). Upon examining the provided documents is you will find a credit limit. The XXXX Report shows the Credit Limit is labeled ( NOT REPORTED ) making the report ( INACCURATE ) ( Error 4 ). Upon examining the documents you will find the High balance is ( INCORRECT ) ( Error 5 ). Recent Balance is ( NOT REPORTED ) ( Error 6 ). The payment history has been left blank ( INACCURATE ) ( Error 7 ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this XXXX Credit Report which have been VERIFIED as accurate by First Interstate Bank.
Consumer complaint received 2023-03-16
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)

I HAVE CALL TRASUNION THEY HAVE THE DOCUMENT!!! 
IS HAS BEEN OVER 30 DAY AND STILL HAVE NOT DELETED THOSE FRUAD INQUIRIS. THEY KEEP RESPONDING THEY WORKING ON IT. BOUT HAS VIOLATED THE 30 DAY RESPONDE OR DISPUTED TIME.THEY HAVE NOT DELETE THIS FRUAD INQUIRIS SHOWING HERE. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (WA)

The company is SIMM Associates , Inc. in XXXX, DE XXXX. They sent me an invoice for {$110.00} from a creditor : XXXX , XXXX . They claimed the account opened on XX/XX/2012. They gave a bogus account number also. I have never dealt with XXXX, XXXX privately or professionally in my business career. I have never heard of this company as well. In looking on XXXX, this company has several complaints like the one above trying to get money from decent consumers. I have contacted the XXXX XXXX XXXX as well, and they say they can't do anything about it. What's wrong with that picture? This company is a scam and someone should try to stop them from these fraudulent activities. This company needs to be brought up on charges from the Attorney General 's office in XXXX, DE. I hope no one responds to their bogus requests and threats.
Consumer complaint received 2020-01-10
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. (CA)

I have reported to the FTC and The XXXX XXXX Sheriff 's Department our Local Police Bureau that I am a victim of True Name Identity Theft. 

This started back in 2014 when I discovered that I had multiple XXXX XXXX XXXX and XXXX Bank accounts opened in my name without my consent or authorization. 

XXXX  XXXX XXXX determined it was internal fraud and sent me letters claiming liability. I reported to XXXX these were not mine, and they did not investigate and I sued them and we settled. 

I have reported to XXXX, XXXX, and Experian that I am a victim. I have sent police reports. I have sent victim statements. FTC Reports. I have disputed, numerous times. I have called and I hire an attorney to work on this as well. 

I have over 60 inquiries that are not mine. I have done all I can do. My next step is a lawsuit. Not one of these companies has investigated my Identity Theft and yes minimal accounts have been removed AFTER we filed an intent to sue. I need answers and I need them now.
Consumer complaint received 2020-01-10
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. (SC)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-12-27
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. (CA)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office XXXX and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence
Consumer complaint received 2020-01-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (AZ)

I noticed an account that appeared on my credit report earlier this year from XXXX XXXX XXXX XXXX XXXX XXXX it was listed as a collection from XXXX for nearly {$1600.00}. I haven't had an account with XXXX for nearly 6 years and when I closed my account I didn't have a balance this high. I have attempted to dispute this amount with the credit bureaus because I do believe this information is not correct but they have been unable to help me.
Consumer complaint received 2020-01-10
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: EQUIFAX, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (TX)

I have attempted multiple times to setoff / discharge an auto loan with Chase Auto/ JP Morgan . Each communication has been ignored. At present, said company has sent a letter of threat for repossession of automobile. I am a secured party/ creditor / and POA of this account and am the beneficiary of the all caps entity name attached to this account. In addition, I have common law copyright of the all caps ENTITY and BC name. 
XXXX XXXX of JP Morgan has been appointed as fiduciary of this account. In addition, I am prepared to put JP Morgan and the auto dealership on notice of arbitration as the contract that is signed has a fraudulent/unauthorized/forged signature on the contract. I, as the living woman, who never received a copy of this contract on night of signing said contract am seeking remedy as has been communicated multiple times since XXXX. I am the entitlement holder/authorized representative/and POA of the FULL FAITH AND CREDIT birth certificate and SSN number. I have submitted copies of all documents to the IRS, the XXXX XXXX, and the FDIC depository regarding my complaint with this account. I can and am able to provide tracking of all documents submitted over past three months and am prepared with a HEFTY fee schedule from my trust for arbitration of this account. This too has been submitted to JP Morgan and ignored. At present, as the entitlement holder in due of course of this forged contract ; I want JP Morgan to do their fiduciary duties as has been requested and discharge this account appropriately as the contract has unauthorized forgery on it and is illegal as full disclosure was never given about my living woman being used as a transmitting utility for the all CAPS fictitious ENTITY created via the registration of birth certificate by the XXXX  UNITED STATES OF AMERICA XXXX.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Since the Equifax breach of 2017 Ive continuously had my information sold and used on the dark web. Ive not been able to obtain any credit or services due to constant issues that arise and I cant keep up with. Please eliminate all accounts that are currently on my credit report as its my right by statute.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (FL)

Negative item is appearing on my Experion and possibly other credit report as a charge off in XX/XX/XXXX, however the bill was paid in full in XX/XX/XXXX. This item was a XXXX wireless cellular account that function as a Wi-Fi hotspot. I have been in contact with the creditor directly, they are not disputing that the bill was paid in full, and Im not disputing that the account is validly listed. The problem is that every time I contact them about this issue they update the account and report new activity on the account. The payment history on my credit report shows A charge off in XXXX, but the bill was paid in full in XX/XX/XXXX and theres been no activity on the account since. I have been denied credit, and my credit score has had a major impact from this recent wrong reporting. Everyone has been made aware of it, and from this point forward, I feel continuing to report this account incorrectly as a current charge of represents bad faith.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY (MO)

TD Bank Usa Target has reported a fraudulent address to credit bureaus and I am in the Missouri Secretary of State XXXX XXXX XXXX XXXX. Refer to Missouri Statues Chapter 589.
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

on XX/XX/XXXX I ran my first XXXX XXXX inquiry and discovered 3 accounts that were never set up by me. I did not know how to resolve the issue, so I made payments for the first time that next month, from my personal checking account in order to not ruin my credit and called and closed those accounts and reported them. I continued to pay on them while I investigated and tried disputing them. I discovered, through some time and law enforcement investigation that I have been the victim if identity theft. I filed a police report and an investigation was started and sent to the prosecutors office. It is probably international, so they did not pursue. I have a copy of the police report filed on XX/XX/XXXX with XXXX County Sheriffs office. These accounts have been open and paid for for years without my knowledge or consent. No paper bills were ever mailed here until I requested them. No payments were made from my accounts until I discovered the accounts on XX/XX/XXXX ( I believe ) There was a fraudulent XXXX account, linked to XXXX and light coins that was used to pay for these credit cards. that was closed and resolved immediately. I never signed an agreement to open these credit cards. I have spent over a year disputing these 2 Bank of America accounts. At first I was told it was resolved and then they changed their minds. I have spent thousands trying to keep a good credit rating and have spent countless hours on the phone with them disputing and trying to repeal the denial. I have provided Bank of America with the police report and proof that the account used to make payments on the Bank of America credit cards was fraudulent. I provided them with this TWICE, as it was 'lost ' the first time. I have not attached any documentation to this, as I have already provided it to Bank of America twice. They should have it. 
I believe I have fulfilled all of the requirements and I continue to cooperate. However, I was told I could look to you for help resolving this issue. I feel like I have had no choice and I'm losing so much for an account charging things that I have never heard of or seen! 
Thank you in advance for your help, XXXX XXXX XXXX
Consumer complaint received 2023-03-16
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-01-13
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. (MA)

I was abroad between XX/XX/XXXX and XX/XX/XXXX. After I returned to the US in XX/XX/XXXX, I found out from my XXXX  credit report that around XX/XX/XXXX more than 10 hard inquires were placed and 4 accounts ( 3 credit cards and an auto loan ) were opened in my name. Clearly this was not a simple mistake but an identity theft crime. I filed a complaint to FTC ( Federal Trade Commission ) and to local police in my town. I also put a seven year fraud alert on my credit report. I disputed these activities and sent the necessary documentation, which prove that I was not in the US when these accounts were opened, to the credit bureaus and to the companies. Finally, I filed a complaint to MA Attorney General 's Office about this issue. 

Despite all these efforts, Transunion and XXXX  still keep the record of a car loan account with the XXXX XXXX XXXX XXXX, which was opened on XX/XX/XXXX, when I was not in the US. 

This affects my life very badly because of the damage done to my credit history.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Specialized loan servicing LLC ( part of first bank ) took over my mortgage back in XX/XX/2022. They didn't take out my XXXX payment on the XXXX. I called. They stated they had difficulties with the transfer from the previous mortgage owner, XXXX XXXX XXXX not to worry it will be drafted on either the XXXX XXXX or XXXX. So I called back on the XXXX and they stated they still having difficulty so we'll be no later than the XXXX. And they uploaded a copy of the mortgage payment for XXXX which showed the XXXX and XXXX payment will be drafted on XX/XX/XXXX. I called to make sure this would happen as I did not want to be late on a payment. They assured me this would happen and nothing would be reported to the credit company. On XX/XX/XXXX, they did not take out my payment. I logged in and it said because I was late on the XXXX payment I was ineligible for overdraft. So I signed in paid it for XXXX and XXXX XX/XX/XXXX. They did not report it to The credit bureau is that as the law. But they still have it marked on my account that I have a late payment. Because of this, I'm unable to request PMI removal because you have to have not had a late payment within the past year. I called multiple times about this and when you call, they say they can see everything I'm saying is correct. this needs to be removed! I do not want any late payments on my account so I can get the PMI removed. They are not helping with this. I've repeatedly asked and they keep insisting that I've made the payment late. They made the payment late!