davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (PA)

On XX/XX/XXXX, I signed up ( applied and approved ) for an M & T Checking Account ( XXXX XXXX ) using a nationwide promotion. The promotion stated that I must open their account and enroll in XXXX XXXX and receive a direct deposit within 90 days to receive a {$250.00} promotional bonus. The deadline to sign up was XX/XX/XXXX. I successfully received a direct deposit on XX/XX/XXXX in the amount of {$1500.00}. After waiting beyond the payment of the bonus period, I reached out to customer service via chat on XX/XX/XXXX. They never got back to me as of today ( XX/XX/XXXX ). I called the customer service line ( on XX/XX/XXXX ) to request the bonus ; however, they stated that I did not receive the bonus because I did not maintain a minimum balance of {$500.00}. This was not part of the original terms and has not been a part of any of the more recent M & T promotions either. I believe the {$500.00} minimum balance was not disclosed to me and possibly added after I believed I had completed the requirements.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (PA)

LexisNexis continue to report incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX, PA XXXX there should be no other names or address listed on my report. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX Balance {$83.00} XXXX  Inquired on XX/XX/2020 XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2020 XXXX
Consumer complaint received 2021-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CT)

Given that the moratorium on student loan payments is about to expire, I've tried to contact my servicer ( Myfedloan ) several times to figure out my payment amount and recertify my income. I sent a message on the portal XX/XX/21 to no response. I've contacted them via telephone twice, waited on hold for XXXX minutes, finally gave up and selected the " receive a call back from us without losing your place in line '' and never got a call back. I just want to know how much I'm going to be paying come XXXX. 

As a side note, they've also recalculated my PSLF payments wrong and added an extra year onto the number of payments I owe. I've tried to correct this on several occasions, but no one can seem to figure it out and I've just accepted at this point that I'll likely be making 11 years of payments for forgiveness because I can't get any help on straightening this issue out.
Consumer complaint received 2024-06-06
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc. (FL)

I have reached out to the complex that placed this collection on my consumer report and I have yet to hear back from them. Attempts were made via email, phone calls and certified mail over the las year and a half. I do not owe this debt, in fact this company owes money to me. I have also filed a complaint through CFPB and they were unable to reach the original creditor either. 

The collection company that is attempting to collect on this debt is not licensed in Florida or listed on XXXX website as even having a license to operate at all. 

I have tried to work with them on properly verifying the debt, but they claim it is mine, although I have supporting documentation that shows that I do not owe them. They are not verifying this debt properly and have continued to violate my consumer rights and damage my credit for almost 2 years now.
Consumer complaint received 2021-08-25
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. (MI)

Please remove these inaccurate inquires I have contacted the creditors & the bureaus reporting this info. I have provided documentation stated I did make these hard inquiries after this period of time please remove these inaccurate inquires
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I bought a TV from Best Buy with Best Buy CITI credit card as part of a promotional offer and interest free for 24 months for {$1200.00}, at their store in XXXX XXXX, CA. 

I also bought their XXXX XXXX XXXX for {$190.00}, plus a microwave ( {$59.00} ) and a toaster for {$14.00} before tax. In XXXX, I did another purchase from XXXX store with my Best Buy Citi card for {$280.00}. 

According to my checking account statements, I paid a total of {$1400.00} till end of XX/XX/XXXX, and another {$210.00} between XX/XX/XXXX and now. But my current balance is still XXXX. I was wrongfully charged with the interest from the first month that I made this transaction. 

Here are several reasons that I believe Best Buy Citi Card trap, scam, mislead and set a stage for its customers/consumers to miss their 24 month deadline and not to be able to pay their full balance before they charge any interest. 

1. They do NOT post all the customers ' payments information clearly, transparently and honestly on citi credit card website for customers to have easy access and look at them. ( They ONLY post it on the customers statements, and such statements could always be altered, edited, updated, changed or replaced by them whenever they wish ). I do not see my payment history that I made on their website from the very first payment that I made till now. ( Except last XXXX payments ). 

2. They try to create troubles for the customers when you want to log in to your account to check your balance. This happened several times with me and I was locked out of my account several times until I was keep forgetting to check my balance. I changed my email, my passwords, contacted their customer service several times during last 2 years or so. They have all the records of customer contacts and they can change or altercate that anytime 3. I was never made aware of the fact that if I make any purchase other than the promotional items, my payments will first go towards those items to cover that before they are applied towards the total balance of the promotional item ( s ).

4. They sent me 3 different Best Buy Citi Credit card since I opened my account with them and they were citing the reason is safety and security of my account. Which are totally misleading and suspicious. Why I should receive XXXX cards only when I try to have access my account to check my balance ( that is a huge trap and misleading ). 

5. Finally, they DID NOT send me enough notifications or DID NOT communicate via SMS Text, Email, Mail or Phone call to warn me or notify me that my promotional balance is due before its expiration date of XX/XX/XXXX. The only way they communicate with the customers like me is their digital statement which I can see on my account. 

In the light of these reasons and probably several others, I would like a honest and transparent review of my transaction with Best Buy Citi Credit Card and please advise what are my options and how to find justice for my case. 
Thanks
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MO)

As of XX/XX/2021 Shellpoint Mortgage Services shows my prior mortgage account delinquent 30 and 60 days for XXXX and XXXX XXXX XXXX After review of the records with Shellpoint Agents, it has been determined that the payments were made from XX/XX/2021 through XX/XX/2021, the house being sold XX/XX/2021, but the system recognized them as prior payments from Covid forbearance period and did not count them appropriately to the month they were submitted. I was in contact with a representative from your company, XXXX XXXX with the loss mitigation department at the end of XX/XX/2021. I was doing the steps for loan modification. In the second week of XX/XX/2021, I received the documents and she gave me the number for the mobile notary contractor. When I called to get the notary scheduled they stated they did not have an order number. I called XXXX XXXX and informed her. She stated she would get the number processed within a day or two. At the end of the week I still had no number and could not schedule with your contractor. I attempted to contact XXXX XXXX again and the contact number was no longer active. By the time all of this had transpired the sale of my house had closed. I formally request the derogatory remarks be removed from my credit report as I made every attempt to complete the required steps upon exiting Covid forbearance. Your agent hindered the processing of the loan modification, yet I am being penalized for this.
Consumer complaint received 2021-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (GA)

My loan was sold/transferred in XXXX. I wrote the new service company in XXXX explaining my property tax bill arrived and was due in XXXX. I emailed them the bill as instructed. I did this several times. I kept getting " we'll get to your email soon '' messages, but this dragged out for months. Several times I got emails that said, " This letter is in reference to your inquiry regarding your taxes received on XX/XX/2021. Please know that we are diligently working to provide a resolution and will send a follow up soon. We appreciate your business. '' Soon never came. I finally called a couple of times and after insisting my problem get addressed, I was transferred to XXXX XXXX. I gave XXXX all my information and was told the bill would get paid. That was on XX/XX/XXXX and the bill was due XX/XX/XXXX. My property tax bill was paid LATE and I got hit with {$19.00} interest fees for being late. I followed up and was told " I have opened a request for this to be paid. The fees will not be charged to your account. I will keep you posted as to when this has been paid. '' Yet a month later, nothing was paid. I finally paid it myself because it's clear this agency is completely incompetent. But I want my money back for their mistake. I also want service that doesn't take 2 months to get a reply to questions. Ideally, they could sell my loan and just annoy the other customers they have. I doubt they'll change and actually start helping customers.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX, XXXX has tarnished incorrect information To all three credit bureaus that has ruined my credit by 55 points I was in rolled on the program for over a year and has done very well on the program. XXXX XXXX  Hardship DEPARTMENT extended my Hardship program for an additional three months only. My payment amount went from $ XXXX- {$30.00} for the for the last three months of the program. My last payment of XX/XX/XXXX was for {$35.00} and was paid before XX/XX/XXXX which is the due date. XXXX payment wasPaid on XX/XX/XXXX Ill go do on the XXXX. This does not constitute a 30 day late payment be that XX/XX/XXXX was paid on time. 

I have encountered very rude service agents That have done nothing but compound the issue and not have tried to resolve the issue. I feel as though this is discriminatory due to my age and my ethnicity. The agents need to ensure that card holders are making the correct amount payments. Agents have access to the most accurate in recent information on cardholders accounts I feel like the year into three months that I have been on this hardship program has been wasted by this incorrect reporting that this company has provided to all three credit bureaus
Consumer complaint received 2021-08-25
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: WELLS FARGO & COMPANY (IL)

XXXX  has not corrected the incorrect mortgage payments with Wells Fargo. I was never late or missed any payments From XX/XX/XXXX to XX/XX/XXXX. Wells Fargo Sold the loan in XX/XX/XXXX while still collecting my Monthly loan payments. Then filed foreclosure after the mortgage loan was sold by Wells Fargo. Wells Fargo never informed me that the loan was sold in XX/XX/XXXX. Then Wells Fargo filed foreclosure while still collecting my on-time Payments. Then Wells Fargo Dismissed the foreclosure after it was revealed that Wells Fargo Committed fraud regarding servicing and Payment History. Which I supplied all the relevant documents regarding my claims as facts to XXXX. Wells Fargo Filled wrongful foreclosures on me in XXXX and XXXX and dismissed them both. I want XXXX  to remove account regarding Wells Fargo in my Credit Report which is fraud.
Consumer complaint received 2024-05-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (MD)

I am filing this complaint against GM Financial for violating the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : GM Financial has placed a collection account on my credit report without providing me with the required validation information within five days of the initial communication, as mandated by 12 CFR 1006.34 ( b ) ( 5 ). This information is crucial for me to verify the legitimacy of the debt and dispute it if necessary.

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( I ) ) : I have not been given a fair and meaningful opportunity to dispute the debt as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

False, Misleading, and Deceptive Practices : By reporting the debt to a credit bureau without proper validation and dispute opportunity, GM Financial is using false, misleading, misrepresentation, and deceptive means in violation of the FDCPA. 

Furnishing Information Without Disclosures ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S 2 ( 7 ) ( A ) ) : The collection agency has violated 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) by furnishing an account to a consumer reporting agency without providing the legally required disclosures.

Unauthorized Disclosure of Personal Information ( 15 U.S.C. 6802 ) : Furthermore, GM Financial may have violated 15 U.S.C. 6802 by potentially disclosing non-public personal information to a credit bureau without my consent.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

The list of informations were inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect informations listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (VA)

Springs Oaks Capital LLC has put a debt on my credit file that I do not owe and has fail to respond with law documents A letter has been wrote to the bureau about this matter. I'm making a complaint so I will have other proof of this matter
Consumer complaint received 2022-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

In a 120 payment option have sent in all information needed annually. I have made 54 payments since 2017 and that are only honoring 34. I have made payments all thru the pandemic even when not needed to. I just want to be able to have all my payments applied to my loan.
Consumer complaint received 2016-11-17
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (WA)

Borrowed {$240000.00} to consolidate credit cards and mortgage loan ( # 1- {$220000.00} XXXX XXXX pay off # 2- {$12000.00} XXXX XXXX pay off and # 3- {$6700.00} XXXX card pay off. 
First American Title payed {$6000.00} or {$680.00} short for the XXXX card by mistake.
Consumer complaint received 2021-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AL)

I contend that the original loan ( which was {$5000.00}. ) amount has been paid. However the loan was consolidated and interest accumulated. On XX/XX/XXXX the principal balance according to MOHELA was {$22000.00}. I have made payments from that date until XX/XX/XXXX totaling over {$10000.00} but yet the principal balance on XX/XX/XXXX is {$22000.00}. How is that possible? So none of my payments have effected the principal balance in 5 years? How is that fair? Also, during the Coivd19 grace period on MOHELA 's website it states " During this time no interest is accruing and no payment will be due before XX/XX/XXXX ''. I checked my account and interest has accrued in the amount of {$3400.00} for a total payoff amount of {$26000.00}. So if I could payoff my account on or before XX/XX/XXXX that would be the payoff amount? What happen to NO interest accruing during the pandemic grace period? I am not a teacher, nor do I work in the public service sector, nor am I total and permanently disabled. Is there no remedy for other workers trying to pay off their student loan? How can I get the principal balance reduced on my student loan?
Consumer complaint received 2021-12-12
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. (FL)

Pursuant 15 USC 1681b ( 2 ) - permissible purposes of a consumer report, I never gave any consumer reporting agency any written consent to report XXXX XXXX or XXXX XXXX on my consumer report. No consent is identity theft. Both XXXX and Equifax are in violation of my consumer rights according to the FCRA.
Consumer complaint received 2021-08-25
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: Experian Information Solutions Inc. (MI)

Checking over my report & I noticed after 40 days some accounts I have disputed against the creditors & credit bureaus is still reporting. I mean obviously these accounts are inaccurate & going against my rights with the law. ( section 609 fcra ). I am dissatisfied & ask that these accounts be removed ASAP.
Consumer complaint received 2021-12-12
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)

In trying to obtain funding for a real estate need, I was turned down because of information shared by Experian with the potential Creditor. I obtained a copy of my Credit Report and discovered that Experian is reporting multiple errors on my Report so I contacted them multiple times seeking to have them delete negative information that they are providing potential Creditors but they refused. I believe that if the information on one 's Credit File is incomplete, incorrect, unauthorized, it must be deleted upon the request of the Consumer. 

The errors ranged from : XXXX incorrect SS # ( Experian has XXXX ). mine is XXXX. 
XXXX incorrect name : Experian has XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX incorrect address of Bankruptcy XXXX. 
XXXX multiple unauthorized hard inquiries by companies that had no Permissible Purpose, I had not given consent to and I have no business with. They are marked with *. 

I have written and called Experian about these but they just don't care and continue to report the errors. I am soliciting the intervening power of CFPB to have Experian show respect for the law : CFPB, FCRA, Federal, State, Local ; and delete all negative entries they are reporting on my Credit file with so many errors. Experian collected, used and shared my personal information without my knowledge or consent. 

Long live CFPB. I think help has finally come! Please note the highlighted concerns as well as those marked in * in the attached document.
Consumer complaint received 2021-08-25
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (IL)

Please answer each Fact stated in the Affidavit of Truth. These and all other attachments/ Exhibits were received by Wells Fargo on XX/XX/2021. Please stop sending copies of contract and database transactions.