davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TX)

M & T BankXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) re : account # XXXX XXXX ) I believe my escrow payment to be too high. My property taxes were greatly reduced to {$3900.00} and while I was given a refund check for the difference in the amount of {$1600.00}, I was expecting the refund check to be much larger given how much my property taxes were reduced. 
2 ) The refund check too 4 months after I gave them the new property tax assessment, far too long for this mortgage company to hold on to my money. Companies hold onto money for as long as they can. I also had to call in and request the money 3 or 4 times before a check was actually received.

3 ) My home payment was reduced from {$1700.00} to {$1600.00}. Today I received a very nasty phone call telling me that my payment of {$1600.00} was in suspense and that I owed an additional {$150.00} ( {$94.00} difference and late charge of {$56.00} ). They FORCED me to pay the difference of {$94.00}, but waived the late charge. 

I would like for someone to review my escrow account and see if this mortgage company is holding onto too much money. They also need to be investigated to see if they are taking too long for refund payments. XXXX XXXX XXXX called me today in a very mean and demeaning manner saying that I was delinquent on the payment, etc. etc. I'm sure he was trained to do that, but XXXX XXXX XXXX should have also been trained to see that I've always sent my payments on time and he should have also looked to see if there was a recent payment change. 

I believe that 1 ) I should be due additional escrow refund and 2 ) that my payment should be lower than what it is at {$1600.00}. 

Please let me know if there is any additional information that you require in order to investigate. 

XXXX XXXX XXXX
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I have tried multiple times with Equifax to temporarily lift my account freeze so I could apply for credit. I have the 10 digit PIN number but their website is never available ( I  have tried 20-30 times and it always says " Not available at this time. Please try again later. " ). When I call in they ask 8-12 questions which are basically unanswerable without a credit report in hand. The questions pertain to loans that are 5-10 years old, accounts that were cancelled over 4 years ago ( I kept naming cancelled accounts and they kept saying, " No, that's not it '' " No, not that one '' " Try another one. '' ) and account balances on specific statements. Hard to do when you are sitting in a retail store or car dealership, having them try and run your credit report. FYI, my credit score is XXXX to XXXX, depending on the agency, so I have immaculate credit and bad credit is not the problem. Equifax, because of their insecure history and blatant neglect of consumer information, has now gone so far in the opposite direction that they can no longer function as a viable credit reporting agency. I want some way to access my account freeze, which is not possible now.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Multiple names and addresses are being reported that do not belong to me. All of the following information listed below is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2020-12-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Applied for a jumbo loan with Wells Fargo, {$4.00} XXXX. I have {$30.00} XXXX in assets and am inheriting {$5.00} XXXX this XXXX as a one time gift. 

Wells Fargo had all of my documentation over 2.5 years ago when we obtained a construction loan and there have been no new material changes. One of my commercial entities had late payments on a commercial mortgage 5 years ago, the account is not past due and has not had any negative credit reporting but Wells Fargo underwriting has decided that is reason to now decline my loan. 

I have had my rate locked for over 2 months and am 3 days away from being able to move into our new home. Our family has received no communication that this was even question and our bankers have been on leave multiple weeks. 

A decision not to do the loan is completely acceptable but they ( Wells Fargo ) gave no indication at any time it was not approved until today ( XX/XX/2020 ). We requested to put even more money down or any amount they requested as well. We have already paid {$2.00} XXXX down on the home.
Consumer complaint received 2019-03-25
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: AR Resources, Inc. (GA)

Received notice on my credit report that a new collection account was reported. After looking into it I did not recognize the account. The credit report stated that the account had been opened XX/XX/XXXX, yet upon further discussion with the collection company, this account originated in XXXX. It was erroneously re-aged and reported to the credit bureau as being opened in XX/XX/XXXX. They stated that they sent out a letter to an address that I have never heard of, so I had no knowledge of any of this happening until it was already on my credit report. They did not verify anything before placing the collection account on my report.
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, from XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

On XX/XX/2022 at XXXX XXXX  I was contacted by Sequiem Asset Management saying my wife XXXX XXXX owed a XXXX XXXX bill for XXXX. They called me on my cellphone number XXXX. I explained to them that we have never had a XXXX XXXX  account. They were obviously trying to extort money from us. When I asked where the bill came from the account number or any other information they said they had to verify my address to give out any information. I gave them my address and they said it was not the address and would not discuss it with me. I am a XXXX  citizen and I'm really worried because I gave them my address. So I then asked if they would talk to my Wife and give Her the information on the bill they said they would so i put her on the phone. once again they asked for the address again and once more said that the address didn't match up so they could not give any information about the bill except it was someone on my street with the same name as my wife because it is a common name. They said we owed the bill. I hung up and called XXXX XXXX  they said there was no one with my wife 's name that owed any money. When I called sequiem asset management back and confronted them with what XXXX XXXX said that person said it was probably someone in the united states with the same name as hers as that was the most common name in the united states. Each time I called XXXX there was a voice recording saying there is an attempt to collect XXXX. I want them to provide me account numbers street addresses and an actual bill that they were calling me about. I Truley believe they were trying it extort money from a XXXX citizen.
Consumer complaint received 2022-05-13
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: SYNCHRONY FINANCIAL (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-09-20
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. (MO)

My identity has been compromised and misused and in doing so there's unknown and unauthorized accounts appearing on my credit file and I'm respectfully requesting that these accounts be blocked and/ or removed immediately.

The following accounts are, ( 1 ) XXXX XXXX XXXX  {$110.00} ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$120.00}, ( 4 ) XXXX XXXX   {$6000.00}, ( 5 ) XXXX XXXX {$760.00}, ( 6 ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX, XXXX 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 an account without my written instructions.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

In XXXX of XXXX, my dad filled out a scam email that appeared to be from Citibank. He provided account information that was used by the scammer to initiate 4 unauthorized wire transfers ( of {$79000.00} each ) totaling to {$310000.00} out of his account. We were made aware XX/XX/XXXX that this happened and told the bank immediately that it was fraud. 

We did not receive a decision from Citibank until 7 months later, telling us that they can not give us the money back. They failed to inform us in a timely manner and when my dad went to the bank to try to report it, an employee thought the email was real and told him not to. We have tried appealing this over and over with no luck.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Multiple names are being reported on my credit report that are not me creating verification issues. The incorrect names that are to be deleted are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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. (IL)

in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank (NV)

Synovus Bank took {$220.00} for pre paid debit card. on XX/XX/XXXX, XXXX XXXX XXXX took the money and same day mail me a letter on XXXX XXXX then mail me a letter stating they need make sure it me and ask for copy of my drivers license. Utility. 
They took the money I paid extra to expedite the card. This company is nothing but a scam.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (IL)

in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # 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
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (VA)

As indicated in the complaint letter to XXXX, several sections of the FDCPA were violated. These violations were all clearly spelled out for the debt collector, with included references to the specific section of 15 U.S.C. s1692. There was a total of 19 FDCPA violations including the aforementioned false representation of an amount owed.
Consumer complaint received 2020-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (TX)

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under The Bureaus Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as XXXX XXXX XXXX had not responded and a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Consumer complaint received 2020-12-21
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: SYNCHRONY FINANCIAL (WA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, SYNCB add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-04-27
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. (NJ)

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 U.S.C 1681, XXXXXXXX XXXX XXXXXXXX Acct : # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX 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 no
t furnish a account without my written instructions.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Social Finance, Inc. (TX)

SOFI is a bank Im using over the past couple months. And this week ( XX/XX/22 ), they frozen my account for fraud protection. I tried calling them but they keep telling me that all of their representatives are busy and never answer. I then made a discover credit card payment using SoFi and the payment got sent back because of the account being frozen. All my money is on SoFi and if I dont pay this credit payment, my score will go down. I really need need this issue fixed ASAP.
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

Paypal wants to hold my funds for 6 months and that's just not acceptable. I'm a XXXX XXXX trying to make ends meet and this major corporation is holding my funds because of some type of misunderstanding. Paypal doesn't allow you to sell weight-loss products. XXXX XXXX does not sell weight-loss products. The words weight loss is not listed anywhere on our store or on even in our description. We sell XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have sent out all the products to customers who have order and paid through PayPal. I have sent out these products and now don't have access to the funds for 180 days! 

How does PayPal say they are in business to help small businesses and even small black-owned business but holding funds to stop them from doing business. 

All of my packages have tracking numbers, all of them have been delivered and 96 % of the customers have already left 5-star reviews. 

I'm just really annoyed with this whole thing. 

A simple solution is to allow me to collect my funds from the account to run my business and i will no longer do business on PayPal ... Ever again ... Im willing to keep fighting this until that happens because I refuse to let the doors of my business close due to this frustrating situation.
Consumer complaint received 2022-05-13
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDU Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDU Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  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
Consumer complaint received 2020-11-10
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: CBC Companies, Inc. (TX)

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 TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$5000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 161 section 602 A. States I have the rights 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 instructions.
Consumer complaint received 2022-11-18
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)

On XXXX XXXX a hard inquiry for an XXXX XXXX was placed on my TransUnion credit report. On XX/XX/XXXX a hard inquiry from XXXX XXXX was placed on my TransUnion credit report. I contacted TransUnion 3 separate times to contest and delete the inquiries> they were supposed to send letters to each company and dispute them but i never heard back from them.
Consumer complaint received 2020-06-07
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: Army and Air Force Exchange Service (MD)

The Charge-off account with Military Star Shows that it is paid in full on my Account Statement. I spoke to someone from the department and they told me that they will remove the information from my report but have failed to do so.