davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (NJ)

I deposited {$300.00} cash into a vacation club savings account at M & T Bank branch in XXXX NJ. The deposit never went into my account. A copy of the receipt from the teller was emailed to their customer service rep and I have had conversations with the branch manager, XXXX. They have been in contact with their back office and to date my account has not been credited. On XX/XX/2018 XXXX stated sometimes this can take a week or more even if it was a cash deposit that did not post to the account. He said they can only contact the department that makes corrections by email and their is no senior management person he can call to inquire as to why this is taking so long. 

I want to close the account now as I am so frustrated with all the errors M & T has been making on other accounts as well that we have been having. Those issues have been finally resolved and this remains open. 

While I know this issue will get resolved eventually, it is mind boggling that cash ( and this could just as easily have been {$3000.00} in cash I would not have access to ) deposits go missing and the customer has to wait for days for a simple correction to the account that is clearly the bank 's error. What is the point of getting the receipt for a cash deposit. It is further distressing that if I had not checked on line that the balance was wrong, M & T Bank did not flag an error from a deposit made on XX/XX/2018. Had I had balanced our accounts as I do monthly, my husband and I, who are both over XXXX years old and have health issues would never have seen this money again. I have spent hours on the phone with M & T Bank, including their corporate offices in XXXX. What do people do who do not have the resolve to do this. How many other cash deposits may M & T posted into a black hole never to deposit correctly. This is the bank that had money laundering issues and could not complete the purchase of XXXX XXXX XXXX Bank in NJ ( who was a great bank ) for over three years because of the money laundering issues.
Consumer complaint received 2020-07-29
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. (IL)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2019-11-06
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. (OH)

My medical provider XXXX XXXX XXXX in XXXX billed the wrong insurance company. Upon my visit I provided the correct card " before '' entering, they made the usual copy and thought all was good. Around 12 to 18 months later we get a bill and it stated the insured wasn't covered which was true because I know longer worked for the same company. I called XXXX, reminding them that they used the wrong group ID and member number and once again I gave them the same card information as stated above with the " correct '' insurance and member ID. They continued to send bills with the incorrect insurance company, this went on for months and we tried to resolve this. I offered to pay what the negotiated amount would have been ( once insurance adjusted their fees ) which would have been 10 % or so from our plan. They turned this over to a collection company XXXX XXXX XXXX. After the second call with them, they accepted my explanation and said I would not hear from them anymore however the damage has been done because they but a derogatory mark on my credit rating which stood at XXXX for over a decade done to the XXXX area. I tried to resolve this with XXXX and XXXX  with no resolution and for the first time I have to turn to CFPB for some help in getting this resolved.
Consumer complaint received 2019-11-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

I set up a automatic payment with Navient, they picked the date that the payment would take place. They then charged me late fees because the payments were made after my due date. I asked them to refund the fees and they were not willing to do so.
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (TX)

My Citimortgage loan was paid off in full in 2018. Per CitiMortgage, they preferred to handle the Release of Lien filing and charging the filing fee to the customer, as they deemed the customer inept to do so properly. Thereafter, I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2018 stating that they had forwarded a Release of Lien to my county for filing. Waiting several weeks and not receiving my filed Release of Lien, I contacted my county clerk, who stated they did as they always do and returned the filed document to the sender. I obtained a copy thereof from them. 
I tried to contact CitiMortgage and XXXX for obtaining the original filed Release of Lien several times to no avail. 
My attorney asked that I first try again to obtain the original document before they continue their work on my estate. 
As prior, I will appreciate your assistance with my request in contacting the right person for handling.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under the Consumer Financial Protection Bureaus website there is an article on loans and the differences between a retail installment sales contract and a loan. The article addresses some confusions that the credit reporting agencies have on the difference between the two the article states " A retail installment sales contract agreement is slightly DIFFERENT from a loan '' See EXHIBIT A. A LOAN is a transaction between a consumer and a bank or other lender for MONEY, where you use the money to purchase a vehicle and agree to repay the loan balance plus interest I never received any money from anyone. A RETAIL INSTALLMENT SALE CONTRACT, on the other hand, is a transaction between consumer ( me ) and the dealer to purchase a vehicle where I agree to pay the dealer over time, paying both the value of the vehicle plus interest. I have provided proof showing my transaction was not a loan but retail installment sale contract see EXHIBIT B, you can clearly see the amounts and monthly payments match from exhibit B to exhibits C and D. Exhibit C provides the inaccurate credit reporting being done by Transunion where they have mislabeled the type of transaction that occurred to an AUTO LOAN. You can see the same inaccuracy being done by XXXX where they have labeled the transaction that occurred to an AUTO LOAN as well. Both XXXX and Transunion are reporting inaccurate which is a violation pursuant to federal law and must delete the accounts from my reports immediately.
Consumer complaint received 2019-11-06
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: EQUIFAX, INC. (GA)

I need your assistance in helping me to remove incorrect information from my credit file. XXXX, Equifax, and XXXX is inaccurately reporting that I was 30 days late in XX/XX/XXXX with XXXX ; Equifax is reporting that I was 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX and XXXX and XXXX  is reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX ; XXXX is reporting 30 days late in XX/XX/XXXX for XXXX XXXX. 

Equifax is reporting 2 fraud accounts on my credit file : XXXX and XXXX There are several unauthorized inquiries : 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 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (HI)

Upon reviewing my credit report, it shows a credit card from Citibank ( cbna ). I own no such card, nor made purchases on card. 

Report indicates a beginning date of XX/XX/2020, and purchase made, then not paid for and my name now has this negative credit history- unresolved. 
It is very ironic this card appeared in my name at the very same month I had to forcibly evict a mother and daughter from our residence. The mother and daughter had both both previously stolen my information and made fraudulent charges. 
The womans name is XXXX XXXX XXXX XXXX the daughter is XXXX XXXX XXXX both from SC.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NC)

1. I sent a check by mail from my bank in amount of {$88000.00}. It took a long time to post so I stopped payment and they posted the check on XX/XX/XXXX and reversed on XX/XX/XXXX. I notified the bank by phone of the stop payment on XX/XX/XXXX.

2. So, next I wired the funds corrected and I have transmittal receipt with confirm etc. on XX/XX/XXXX. As of XX/XX/XXXX the funds are not posted and they claim not to have the funds. The transmittal and confirm of wire has been sent and it does contain correct account nos. bene info etc. this amount of payment to principal curtailment is {>= XXXX}.

I also send to other ach principal payments from XXXX XXXX. One for {$2000.00} which posted to principal on XXXX and one for {$730.00} which posted to principal on XXXX. Both were correctly posted to principal. Both were send intentionally to post on separate dates. Now the payments of {$730.00} and {$2000.00} have been reversed off as misapplied. I do not have the funds anymore. Where is my money? Why are they playing games with the wire and posting and reversing postings without good reason? Are they kiting money to make payments on packaged mortgages? CLOs?
Consumer complaint received 2020-07-31
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: GreenSky, LLC (OH)

Hello. I received a letter from Greensky dated XX/XX/20 regarding an overdue balance. I never opened an account with them. I never received money from them. Five and a half years after I allegedly opened this account, they say I owe {$15000.00}. 
This amount is on my credit report and should not be as it is not mine. 
Please help! 
Thank you
Consumer complaint received 2022-03-07
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX Repossession XXXX XXXX - Charge-off XXXX XXXXXXXX Charge-off XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX Charge-off
Consumer complaint received 2018-12-19
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. (VA)

XXXX customer representative invited me to apply for one of their credit cards since recognizing me being a long time customer so I said sure, why not so I did. 

After a month and forgot all about applying, received a letter from their credit card supplier " XXXX XXXX  '' stating that I was denied due to what Experian reported to them but when I look at the reason ( s ) were completely different on what was on my credit report. I don't know what going on with XXXX XXXX  but I believe being discriminated because of my race. 

Its not being denied credit with XXXX but the untruthful and unreasonable reasons why and here are the reason ( s ) attached - some of their reasons don't even make any sense. 

... .and on top of that they stated that my credit score was " XXXX ''. I checked and it is " XXXX. '' It might be a possibility that they got me mixed up with another XXXX XXXX as it happened before and it is a common name.
Consumer complaint received 2018-12-19
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. (GA)

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap 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 2022-06-20
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. (NC)

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 2018-10-17
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: CITIZENS FINANCIAL GROUP, INC. (CA)

I am filing this complaint because my credit score has been negatively affected due to unauthorized credit inquiries. I never signed anything giving Citizens One Auto permission to run my credit.

My attempts to resolve this with Citizens One Auto have been unsuccessful.
Consumer complaint received 2020-09-11
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. (GA)

XXXX/XXXX / inquiry 2019 I do not know this account. On the above date listed I had just had XXXX XXXX and was XXXX.
Consumer complaint received 2022-03-07
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. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the account completely from my Credit Report : XXXX XXXX
Consumer complaint received 2022-06-20
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. (NY)

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

15 U.S.C 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 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX notified my employeer I had an outstanding balance with them of {$19000.00}. I never put that much debt on this card. I have repeatedly asked for signed receipts showing these were my charges, which I never received. This erroneous claim cost me my security clearance, which in turn has cost me job opportunities and extensive decrease in income
Consumer complaint received 2018-04-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ID)

I do not currently have the ability to repay my loans. I have asked to have my payments lowered to a range that i can afford. I have had my loans in and out of forbearance since 2015. I can't repay the amount they want and Navient refuses to help me. Hoping i can get some help through here.
Consumer complaint received 2018-08-07
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. (UT)

XXXX XXXX notified my employeer I had an outstanding balance with them of {$19000.00}. I never put that much debt on this card. I have repeatedly asked for signed receipts showing these were my charges, which I never received. This erroneous claim cost me my security clearance, which in turn has cost me job opportunities and extensive decrease in income
Consumer complaint received 2019-03-27
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. (MO)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX - ( Please see page 4 and 5 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

On XX/XX/2018, I received an alert on XXXX that there had been a change on my credit Equifax report. When I went to the site, I found that XXXX XXXX had posted that my credit could be " affected by natural or declared disaster. '' of course, living in the XXXX of North Carolina, I am not in any such area. I contacted XXXX XXXX and did not get any response. I contacted XXXX and Equifax and neither will remove that statement. Since any XXXX search of my zip code ( XXXX ) should reveal that I am not in any disaster area, can not understand why this was not a simple fix. Apparently these large companies will only pay attention to other large companies, so I need your help.