davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (NY)

I successfully opened and was approved for a new MyChoice Premium Checking account with M & T Bank on XX/XX/year>. Shortly after, I successfully registered and set up access to Online Banking, and began setting up direct deposit with my employer in preparation for switching my banking to M & T Bank and initiating my first deposit. On XX/XX/year>, after attempting to log into my account, the account details were missing from the online banking portal. I called M & T customer service, and was informed by the representative that my account was closed because my drivers license was not submitted for review. However, this information was provided during the application process. There was no prompt during the process or communication with me to provide any additional information upon account opening. I did not receive any emails, phone calls, letters, or secure messages asking me to submit further information for review. The only information I received was in regards to receiving my new debit card, checkbooks, and setting up online banking. In fact, I was a previous customer so my information was already verified for previous accounts. This account was closed without warning and without cause, and has disrupted my banking. Furthermore, I opened this account with a welcome offer expecting a {$400.00} bonus. Due to the abrupt closure, I am now no longer eligible for this offer for another XXXX  days.
Consumer complaint received 2023-01-16
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. (PA)

I evaluated my credit report and realized Experian is reporting my name wrong. There is many names reported and they need to be DELETED. I will provide the names and name id 's to be deleted. Also, I will provide a screenshot of my utility bill to show you how my name should be reported. 

Names To Be Deleted 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 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 2020-03-10
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. (NJ)

1.0N XXXX I REQUESTED THE METHOD USED BY XXXX XXXX , EXPERIAN , AND XXXX  ON HOW THEY VERIFIED MY BANKRUPTCY SUCH AS NAME OF COURT, PERSON WHO VERIFIED IT, ADDRESS, TELEPHONE AND DOCS USED TO VERIFY THE BANKRUPTCY. LETTER ATTACHED 2.ON XXXX AND XXXX I RECEIVED LETTERS BACKS FROM XXXX  AND EXPERIAN, XXXX XXXX NEVER RESPONDED. XXXX  AND EXPERIAN THAT THEY USED A 3RD PARTY VENDOR NAMED XXXX XXXX A VIOLATIONS OF THE FAIR REPORTING CREDIT ACT. LETTER ATTACHED 3.ON XXXX I WROTE TO THE US BANKRUPTCY COURT OF NEW JERSEY ASKING THEM DO THEY RELEASE INFORMATION TO 3RD PARTIES. THEY DO NOT REPORT INFORMATION DIRECTLY TO ANY CREDIT BUREAUS OR 3RD PARTIES. LETTER ATTACHED 4.ON XXXX I SENT LETTERS TO XXXX XXXX , EXPERIAN AND XXXX  EXPLAINING HOW THEY BLATANTLY VIOLATED THE FAIR CREDIT REPORTING ACT BY USING A 3RD PARTY TO VALIDATE INFORMATION THAT GOES ON MY CREDIT FILE. 
LETTER ATTACHED
Consumer complaint received 2020-03-10
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: EQUIFAX, INC. (NJ)

1.0N XXXX I REQUESTED THE METHOD USED BY XXXX XXXX , XXXX  , AND EQUIFAX ON HOW THEY VERIFIED MY BANKRUPTCY SUCH AS NAME OF COURT, PERSON WHO VERIFIED IT, ADDRESS, TELEPHONE AND DOCS USED TO VERIFY THE BANKRUPTCY. LETTER ATTACHED 2.ON XXXX AND XXXX I RECEIVED LETTERS BACKS FROM EQUIFAX AND XXXX, XXXX XXXX NEVER RESPONDED. EQUIFAX AND XXXX  THAT THEY USED A 3RD PARTY VENDOR NAMED XXXX XXXX  A VIOLATIONS OF THE FAIR REPORTING CREDIT ACT. LETTER ATTACHED 3.ON XXXX I WROTE TO THE US BANKRUPTCY COURT OF NEW JERSEY ASKING THEM DO THEY RELEASE INFORMATION TO 3RD PARTIES. THEY DO NOT REPORT INFORMATION DIRECTLY TO ANY CREDIT BUREAUS OR 3RD PARTIES. LETTER ATTACHED 4.ON XXXX I SENT LETTERS TO XXXX XXXX , XXXX   AND EQUIFAX EXPLAINING HOW THEY BLATANTLY VIOLATED THE FAIR CREDIT REPORTING ACT BY USING A 3RD PARTY TO VALIDATE INFORMATION THAT GOES ON MY CREDIT FILE. 
LETTER ATTACHED
Consumer complaint received 2020-03-10
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (CT)

Complaint XXXX XXXX  and XXXX, XXXX, XXXX XXXX   is refusing to report on the three credit bureaus that I was not late this has been investigated and they are trying to say this is company policy I did not have a bill did not show them a bill I paid my bill XX/XX/2019 and the day I paid it there representative told me I would not be charged a late fee. Well I was charged a late fee even though my bill was paid in full and for six months straight they continue to charge me a late fee each month without even having a balance I have no balance with them it was paid in full in XXXX but every month from XX/XX/2019 they were charging me a late fee and reporting me late each month to the credit bureau I spoke with XXXX and they did credit me all the late fees but I need them to stop reporting me all these months late on my credit report my credit score has gone down because of this and they also took my {$8000.00} credit limit and dropped it down to {$100.00} credit limit because of their representative not doing her job and waiving the late fee like she said she was
Consumer complaint received 2023-01-20
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. (MN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-01-16
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mercedes Benz Financial Services (FL)

Thanks, I spoke with a rep at Mercedes Benz Financial at the beginning of XXXX to make my payment for XXXX. The reason I called was my bill was significantly higher than usual. I asked him point blank why was my bill so high this month and after XXXX mins on hold he came back and said I'm not sure actually because you made all your payments on time for the last XXXX years and the lease ends next month and don't see a reason for it at all. So after further review he found out that there was XXXX months from the beginning of the lease that were in deferment during covid when my mom was in the hospital XXXX. So the man said to me on the phone " JUST PAY THE MINIMUM DUE RIGHT NOW ' {$670.00} and the XXXX month when you were in deferment can be paid when you turn your vehicle in to XXXX. I replied great thanks for your help. 

Now after making my XXXX payment of {$670.00} I find out by logging into my credit report that they put a late payment on my credit for the XXXX months of deferment. This is BS and I tried very nicely to tell the manager that I would be filing a complain and fighting this tooth and nail until they click a button in E-Oscar and remove the late payment that " THEIR REP ON A RECORDED LINE SAID THAT I DIDNT NEED TO PAY UNTILL I TURNED THE VEHICAL IN " I made XXXX months payments on time and have a XXXX XXXX XXXX. I have never missed a payment on my credit and it is certainty not because I forgot to make a payment or didn't have the funds to pay it. Please help this means the world to me and my family.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (CT)

Contacted Wells Fargo on XX/XX/XXXX about the " affected by natural disaster '' code that is coming up on my credit report. As of XX/XX/XXXX, I have resumed regular mortgage payments and the account is current. This request was denied on XX/XX/XXXX.
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/2020 a transaction for {$830.00} was charged to my account in error. The account number on the check is the same as mine except for one digit. I informed the bank, Fifth Third, of  the error on XX/XX/2020 and was directed to contact the Dispute Department. They seemed to be treating this as potential fraud when in reality it is a mistake. I contacted their Dispute department again this morning, XX/XX/XXXX, but they still have not resolved the problem. A similar problem with this bank occurred a few years ago. 

They acknowledge that is an account number problem, but they seem to have some bureaucracy in place that prevents them for providing reasonable customer service.
Consumer complaint received 2020-03-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TN)

XXXXXXXX XXXX XXXX advised us they could lower my mortgage. They took our information and charged us XXXX a month for the lowered payment but never paid freedom mortgage my lender. Now I am being evicted from my home..XXXX XXXX XXXX XXXX advised us we we not quick enough with paperwork they dropped the account but still accepted payments they never paid. They advised us to speak to our lender after asking us not to talk to our lender for 8 months. We have lost XXXX and our house because of this operation. And there is no help for a XXXX  father who lost his job and now must move.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

I have a XXXX card with Barclay 's Bank. The customer hotline is XXXX. They have a promotion in which if {$1000.00} is spent within the first ninety ( 90 ) days of " opening '' an account, the customer is awarded XXXX " XXXX XXXX. '' My card was " issued '' in or about XXXX. I did not use the card for sometime, and first " activated '' the card by using the directions on the sticker of the front of the card in XXXX, XXXX. The sticker instructs the consumer to go to XXXX to activate the card. I interpreted the activation of the card as fulfilling the requirements of " opening '' the card, within the meaning of the terms and conditions of the XXXX points program. Having spent in excess of {$1000.00} in the first 90 days of opening the card, but not receiving the XXXX points, I called the hotline number referenced above. 

Barclay 's Bank has taken the position that the " opening '' of the card is the point at which the card is issued in response to the application. They have rejected the idea that the card is not " opened '' until it is " activated. '' I have reviewed the terms and conditions of the XXXX points program, and can confirm that nowhere in the terms and conditions of the program is the term " account opening '' defined. Despite making the point to Barclays representatives that the term " opening '' as applied to my situation is ambiguous and misleading, Barclays has refused to credit my account with the XXXX points that I have earned.
Consumer complaint received 2020-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (PA)

Today at work, along with yesterday I received a phone call at XXXX XXXX  - forwarded it to a queue because I did not know the number and it is my work number, then again right away at XXXX XXXX  called right back, did the same thing as I was on the phone, this is NOT the first time they have done this, and it has been reported before, also I have before told them NOT to call me at work and they still do over and over. Also when pulling my call history up, I realized that they called me at XXXX XXXX this morning as well. Which they can not call your POE more than once per day. This is harassment as I myself am a collector and know that they can not hang up and call right back and that each call can be worth to up to {$1000.00} if I were to go legal against them.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (GA)

I paid off the Goldman Sachs ( GS ) credit card. The following month, I checked the balance to make sure there were no last statement interest due. At that time, I saw there was a balance of about {$3000.00}. There were thousands of transactions with most of them being under {$1.00}. Knowing this was fraud, I called GS. Over the following 9 month, I fought with them to get all those transactions removed. During those 9 months, I did not make payments on the card because it was fraud and not my responsibility. Because I did not make payments, they reported to the credit bureaus that I was 120 days late. At the end of the 9 months, they resolved everything except {$140.00}, which they charged off and reported the charge off to the bureaus. XXXX of XXXX  I began the dispute process with GS and the credit bureaus. Each resolved dispute states that GS is reporting correctly. Now, technically, they are reporting correctly because I was not making payment and the {$140.00} was charged off, however, that was all a result of fraud and should never be on my credit reports. 

I filed a complaint in XXXX  with CFPB and the 120 late payments were removed, but the charged off is still showing on my credit.
Consumer complaint received 2023-02-13
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. (PA)

XXXX ACCT # XXXX Date Opened : XX/XX/2022 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2020-02-07
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied XXXX to check the reason I was denied ad I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX  XXXX {$970.00} XXXX XXXX {$12000.00}
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (KS)

My mother passed in XX/XX/year>. I am her daughter, executor and trustee. I went to US Bank in XX/XX/year> to open an account to pay her debts. I told them why I wanted to open an account and what I would be doing with it. Due to issues with a family member that I had given access to the account, I had to close the account and open a new one. I used the same branch with the same people that knew what I was doing. XX/XX/XXXX was the day I opened the new account. I had the trust fund transfer money to the account due to outstanding debt that I did not have enough to cover. The Trust fund transferred money twice. On XX/XX/XXXX, US Bank closed the account due to suspected fraud. I have talked to numerous people and been told they will help me but then I get ghosted. It was not until almost a month later that I was informed about the suspected fraud. By that time, I had gone home as my mother lived in another state. I have been to the US Bank office at XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX and spoken with XXXX XXXX. I have provided proof of who I am and the authority I have to use the money to pay my mother 's bills. I have been lied to and ignored with every interaction I have with this bank. There are bill collectors calling me and I can't pay them because US Bank is STILL holding over {$19000.00}. I have suffered a devastating loss and US Bank has no right to keep my mother 's money that I am legally entitled to use.
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-03-17
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: Hatfield, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX  Credit Bureau XXXX XXXX XXXX XXXX XXXX California XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. 
I contacted { Grid money }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the [ Grid money ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX } 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.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

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 2023-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding the inaccurate negative item ( XXXX  XXXX ) on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of this item, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate this entry. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove the disputed item from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2023-02-13
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. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.