davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (NY)

M & T Bank attempted to foreclose on my family 's property. I believe that the fees, legal expenses, and interest were excessive and the accounting inaccurate. My family hired an attorney to fight these charges and avoid foreclosure. The bank made no effort to correct its fees. 
On XXXX, XXXX, XXXX, I paid off the entire amount of {$61000.00} to avoid the foreclosure. 
With the foreclosure stopped, I reached out to M & T Bank about the excessive fees. 
M & T Bank agreed that some of the fees were excessive and issued a refund check in the amount of {$1300.00} in the name of a deceased relative who has not owned the property since XXXX. The check can not be cashed, as the estate of the relative has been dissolved. 
I contacted M & T Bank to re-issue the check in my name, As I had paid off the mortgage. I also indicated that it would be acceptable to issue the check in the Name of XXXX XXXX, who was the current owner and who was also named in the Foreclosure lawsuit. 
M & T Bank refused to re-issue the check, nor would they consider refunding any additional fees. 
I want the CFPB to examine all of the fees charged and instruct M & T Bank to refund all of the fees in a check that is written to an actual, living person. The check can be made out to me, XXXX XXXX XXXX, as I paid off the mortgage and now own the property or it can be made out to XXXX XXXX, who was a party named in the foreclosure lawsuit, and who owned the property during the foreclosure process. 
I have attached copies of the original payoff letter with the breakdown of fees, and deeds showing the chain of ownership. 

The
Consumer complaint received 2018-05-09
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. (MT)

I had a home lender pull my credit report and transunion has mine and my XXXX brothers student loans in together. I called to dispute it 8 times and they still didnt get that I was the XXXX disputing this to get my brother off my report. I received a letter from transunion Monday addressed to my XXXX   brother who doesn't live anywhere close to this state.
Consumer complaint received 2019-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc (GA)

JJ Marshalls & Associates Reported XX/XX/2019 I spoke with Associate XXXX XXXX and provided him with valid police report and affidavit of identity theft to remove account and he still disregarded the claim and did not take my case serious. I also responded within 30 days of the first initial notice asking for evidence and disputing the status and they still put the fraudulent account on my credit report breaking rules of the Fair Debt Credit Collection Act.
Consumer complaint received 2018-05-09
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. (MS)

I called Transunion a few weeks ago and tried to get unauthorized inquiries removed from my credit report and the customer serviced agent was not very helpful at all. There are a total of 17.
Consumer complaint received 2018-05-09
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: BMW Financial Services NA, LLC (NJ)

I dont know the exact time. they wont give me any information because the ssn dosent match what i gave them. Its not mines. I never received a car loan. I suffer from XXXX and XXXX its hard to focus and deal with this situation. Its not my loan.
Consumer complaint received 2018-12-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (KY)

Specialized Loan Servicing sls.servicingloans.com XXXX XXXX XXXX # This company drafted a payment in the amount of {$1600.00} from a bank account WITHOUT authorization, and also the payment was taken form a bank account that belongs to another business. This happened in the past already!!! They serviced other loans in the past, we own several XXXX  that own XXXX XXXX. Not only did they mix up the bank account but also they drafted payment without authorization at least twice. This mistake messes up our accounting and it also has tax consequences!!! This is unacceptable, they MUST follow regulation, train their personnel or get out of the market.
Consumer complaint received 2018-05-09
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. (VA)

XXXX XXXX IS VIOLATING THE STATE USURY CAP OF 12 PERCENT AND SECOND XXXX XXXX HAS NO VIRGINIA LICENSES TO DO INTERNET PAYDAY LOAN HERE IN VIRGINIA. THERE IS A LAWSUIT OUT AGAINST THEM FROM THE STATE OF VIRGINIA FROM THE ATTORNEY GENERAL FROM VIRGINIA. I CALLED XXXX XXXX ON THE PHONE ON MONDAY AND I TALKED TO THEM REGARDING MY DISPUTE AND I ASK WHY IS THIS ACCOUNT STILL ON MY CREDIT REPORT SINCE THIS ACCOUNT WAS ILLEGAL PAYDAY LOAN AND THEY WERE NOT AUTHORIZE TO DO OR LEND MONEY HERE IN VIRGINIA AND I WAS TOLD FROM ONE OF THE REPRESENTIVE ON THE PHONE YES THERE WAS A LAWSUIT FILE AND YES THEY ARE NOT AUTHORIZE TO LEND MONEY IN THE STATE OF VIRGINIA AND THAT I WOULD NEED TO CONTACT THE CREDIT BUREAU ON ANY ISSUE I HAVE WIWTH MY CREDIT REPORT. ONCE AGAIN I CONTACT THE ATTORNEY GENERAL OFFICE HERE IN VIRGINIA AND I WAS TOLD THAT XXXX XXXX IS BEING SUE BY THE STATE IN A LAWSUIT AND I CONTACT EXPERIAN REGARDING MY CREDIT REPORT AND STATE THAT THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT SINCE THIS ACCOUNT IS A ILLEGAL INTERNET PAYDAY LOAN SINCE AT THE TIMW WHEN I TOOK OUT THE LOAN IN XX/XX/XXXX THEY DIDNT HAVE A LICENCE TO DO BUSSINESS IN THE STATE. YES THIS LOAN IS DISCHARGE ON MY CREDIT REPORT AND THIS ACCOUNT IS DUE TO COME OFF MY CREDIT REPORT ON XX/XX/XXXX BUT THIS LOAN SHOULD NOT NE ON THE REPORT AT ALL
Consumer complaint received 2017-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

OnXX/XX/XXXX, Capital One pre-approved my husband, XXXX XXXX XXXX, for a Secured Master card for his use while travelling in XXXX. He was to be gone for XXXX weeks. Since he wanted a large credit line, on XX/XX/XXXX, we electronically sent Capital One {$340.00}. The card was never issued so XXXX XXXX left on his trip without the card, returning at the end of XXXX. 

On XX/XX/XXXX, further contact was made to the company to have the card cancelled and the monies returned. They requested proof of his address and identification which was scanned/faxed to them at that time. No further communication from them was received. 

In XXXX and again in XXXX, more lengthy phone calls ( hour long calls ) were placed and different responses about the " lost '' funds were received in each phone call. 

On XX/XX/XXXX, another call was placed to Capital One ( XXXX minutes long ) and the agent came back stating the the {$340.00} was refunded to our same XXXX XXXX XXXX account on XXXX XXXX, XXXX. 

This morning I phoned XXXX to verify this and after XXXX minutes on the phone, they verified that this has not taken place. 

PLEASE, help. We are out the funds and out of patience! 

XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Real Time Group, Inc. (CA)

I received a certified letter dated XX/XX/XXXX from XXXX XXXX XXXX stating Real Time Resolutions filed a Notice of Default on my property for a XXXX Lien that has been dormant since roughly XXXX. They stated that I owe {$160000.00} on a loan that was charged off in XXXX with an original loan balance of {$110000.00} from XXXX. I know this is classified as an illegal time barred zombie mortgage and both these companies are trying to proceed with foreclosure activity after being notified of such. Please help.
Consumer complaint received 2022-07-23
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. (GA)

Upon reviewing my reports, incorrect information are being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ve check my Credit And there are some fraudulent activity going on with someone using my name. they are opening accounts under my name. I did not authorize any one to use my Identity at any Time.
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/21 a scammer posing as my girlfriend on the app Venmo requested {$400.00} stating that they needed it for groceries and because they left their wallet at home and that they would pay me back. The scammer used my girlfriends name and profile picture. I sent the {$400.00} because I thought it was my girlfriend. I reported this as fraud to Venmo and all they have done is continue to blame me and state that there is nothing they can do. They said they would investigate the issue but also said I would never be issued a refund if the money could be recovered. This is NOT okay.
Consumer complaint received 2021-06-03
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. (PA)

I have provided Equifax with all the necessary documents to prove that I am a victim of Identity Theft. I even gave them a name and showed proof that not only was my social security number was used and compromised but also m drivers license number as well. Equifax has failed me and has not taken my dispute serious. They have not removed any accounts nor did they do a thorough investigation. I filed a report of my Identity theft with the Federal Trade Commission which was sent to them as well. They are reporting inaccurate information including different names. I don't know what more they need when I proved everything they have asked for regarding my Identity theft. Nothing has been fixed! They are past the time allowed to finish a dispute which by law requires them to delete everything.
Consumer complaint received 2022-07-23
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. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information and accounts in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX  XXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : {$3000.00}
Consumer complaint received 2022-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reached out to XXXX with Account # XXXX on several occasion about a store credit card that isn't mine that is reporting delinquent across 3 bureaus XXXX, XXXX and Transunion. The account is reporting as past due 150 days where there is a credit limit of {$100.00} but the balance on the account/card is {$260.00}? The account was closed at the credit grantor 's request where the last 6 months of 2021 that the card was opened under the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX there were late payments 30 days late, 60 days late, 90 days late, 120 days late, 120 days late, 120 days late, and 120 days late. This credit card account isn't even mine and a result of identity theft and I have reached out to the creditor for the past 90 days with no luck on a response and at this point the only hope I had left was to reach out to the cfpb to see if they could help me get this delinquent account that is severely ruining my credit that has nothing to do with me off my report and be able to get the attention of the creditor as everything I am doing is not working.
Consumer complaint received 2021-05-09
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: Stern Recovery Services, Inc. (NC)

I have received a copy of my credit report and it shows company STERNRECSVCS ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$280.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-06-03
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. (LA)

Since XX/XX/2021, I noticed EQUIFAX has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EQUIFAX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EQUIFAX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EQUIFAX permission to furnish this information. Fact, I never gave consent for Portfolio recovery to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MD)

On XX/XX/2021, I opened and funded a new TD Bank Beyond Checking account using a promotional offer that promised {$300.00} bonus. TD Bank refused to award me the bonus by claiming that I am not eligible since I received an account opening bonus 4 years ago. TD Bank did not mention previous receipt of a bonus as disqualifying condition in the bonus terms disclosed to me ( see the offer Terms attached ). 

I believe that TD Bank 's action regarding my bonus is clearly deceptive, and I kindly request that you investigate this bank for Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX, XXXX   XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX/XXXX  XXXX/XXXX
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (KS)

My husband and I applied to refinance our mortgage loan to a 15 year mortgage at 2.50 % with New American Funding with XXXX XXXX as the loan officer. We started the transaction XX/XX/2020 with XXXX and his assistant, XXXX XXXX., we submitted all disclosures and documents by XX/XX/XXXX. On XX/XX/XXXX, I received additional loan disclosures from XXXX and submitted the same day. After that I did not hear from anyone until XX/XX/XXXX, when XXXX XXXX sent me additional loan disclosures along with asking my husband employer to submit many different forms because they changed payroll this year. However, besides the time it took to get the loan to close which would of been the end of XXXX, if I would not of canceled, is they sent me a disclosure with no explanation, but to sign due to charging me {$1100.00} for added points due to the rate was pass the lock date. This was due to how long their process was taking to go through the many channels to close a loan. XXXX tried to put the blame on me as we were gone for a few days at the beginning of the process and I had the necessary documents to his office by XX/XX/XXXX. He was not very informative or apologetic for the way my loan process was handled. Actually, they were more than happy to cancel the process. which considering my husband and I credit scores are excellent caught me by surprise. I would not recommend New American Funding to anyone due to how they treat their clients and the surprise fees at the end of the loan process.
Consumer complaint received 2020-12-15
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 — Problem with personal statement of dispute
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth Third Bank is using an autopay system which does not conform to industry standards, and does not indicate its shortcoming. Using their website or app 's autopayment option, selecting monthly recurring payments, and then selecting " Current Balance '' should typically pay whatever your balance is each month. For Fifth Third, it continues to pay whatever your balance was on the date you set up the autopay, without adjusting for new balances each month. This leaves clients thinking their payments are being made, when in fact they will not be if your balance goes up at all. This is at best simply not meeting the industry standard, and at worst is predatory behavior, as Fifth Third does not notify you of delinquent payments/accounts. I have found multiple Fifth Third users online complaining of the same issue. 

I received no email, letter, or call to tell me that I was delinquent on payments, despite an agent telling me on XX/XX/2020 that I should have been called every single day that I was delinquent. On XX/XX/2020, I was also put through to a supervisors voicemail with the understanding that I would receive a call back within 3 days regarding my issue, but never heard back. On an earlier call on XX/XX/2020, an agent spoke with his supervisor and told me they would remove the late reports from my credit reports, but then did not follow through. After the XX/XX/2020 call, the bank did, however, refund the late fees, which is not what I had requested. My credit score has dropped over 100 points, despite good faith efforts to make all of my payments on time. 

Because Fifth Third 's system is working as intended, they will not remove the delinquent records from my credit reports. The issue, however, is that the system itself is flawed, misleading, and predatory. I would like these delinquency reports to be removed from my credit reports to all major credit reporting agencies.
Consumer complaint received 2021-06-03
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. (SC)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2022-07-22
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. (PA)

I am a Victim of Identity theft and there has been accounts ( XXXX ) reporting to my Experian credit report that does not belong to me. I have disputed these unauthorized fraudulent accounts on my credit profile and Experian still keeps reporting the accounts which is violating my rights under the FCRA 15 U.S. Code 1681s. I have reported the theft of my identity to the Federal Trade Commission and will be legally seeking Statutory damages.