davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: M&T BANK CORPORATION (TX)

We have obtained a Installment loan from M & T Bank in XX/XX/XXXX through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX. We had provided them with our new PO Box info when we sold our house and moved. We have been having issues with receiving information from them regarding our loan in the following list : *Last paper installments payment notices was XX/XX/XXXX. 
*Unable to log online line to view the account. 
*When they are contacted to request the information they do not provide any information and transfer us to other department and then get disconnected and/or they give another number to contact each time. We go through through this process each month every time. We were able to confirm our address with them once and the csr thought they had it in their system incorrectly and stated that she had noted it and made a change. This was XX/XX/XXXX. They will only take over the phone payments. 
They contact info for correspondence is : M & T Bank, Lending Services, Customer Support, XXXX. XXXX XXXX, XXXX, DE XXXX. XXXX Thank you, XXXX and XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On all three credit Bureaus my personal information is reporting inaccurately and that's stopping me from getting approved and i have been getting denied for credit in, fact, that is a violation for reporting the wrong social security number for a consumer if you suppose to protect consumers information. There are accounts reporting that i have no knowledge of as well as inaccurate information reporting on an account. By law all three Credit Agencies are supposed to report 100 % accurate, complete, verifiable information. They all have failed to do so. I sent in letters and made multiple calls for all issues to get rectified and handled correctly by law. I need my personal information updated with the correct information and also i need all other accounts to be updated or removed due to inaccuracy and lack of information. XXXX. ) XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX is reporting inaccurate information. The account is not verifiable I did not signed any paper work with this company. This account is not valid. 15 usc 1692g, 15usc1692k, 15usc1692e, 15usc1692h, 15usc1692j,15usc1692f. 2. ) XXXX XXXX XXXX  Bank Opened : XX/XX/XXXX this account is reporting false information that's damaging my credit worthiness, I was never late on this account, There has to be some kind of billing error somewhere, Payment history is not accurate. Update this account to being current, never late. XXXX. ) XXXX XXXX XXXX XXXX : XX/XX/XXXX This account is not accurate, this account need to be updated or remove from my report immediately due to the fact i do not recognized any of the information that is reporting, The account is not a written off charge off, if so the debt is canceled from the IRS and it shouldn't be reporting this is fraud and i want it removed immediately. If the account is charge off the debt was filed with an 1099c form. The debt does not exist, Update this account immediately or remove it from report.
Consumer complaint received 2020-02-08
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. (NC)

In the month of XX/XX/2019, I discovered a inaccurate collection being reported to all three of my credit reports. On XX/XX/2019 XXXX  had fixed and corrected the problem with their investigation. XXXX  and Equifax had failed to fix or correct the problem. Ive sent both credit companies documents and requested numerous of investigations since then. XXXX has been very hard to get a hold of to submit documentation and requests for investigations. Most of the time, Ive had to use their sister organizations with XXXX XXXX and XXXX XXXX just to request an investigation. Both their partners dont accept documentation. Equifax is available to submit investigations and documentation but they fail to look into the relevant information. They are both reporting XXXX/XXXX  collection in the amount of XXXX dollars. XXXX had sent a letter stating that no collection exists in my name. Ive sent this information to both credit agencies.
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

My Wife used the American Express Platinum concierge to help book tickets with the XXXX  to use our Airline status for upgrades, we were assured the itinerary was applicable to those benefits, we then booked, the tickets issued were not applicable and then AMEX refused to cancel the itinerary the way in which it was booked, the customer service teams passed me back and forth for more than 6 hours over 2 days and 15+ different people including supervisors. I was then offered XXXX points by an associate as compensation, then they reneged on that the following day. 

The points values are misleading, they have bait and switched us on travel and associated benefits, and they have lied on recorded calls promising compensation and follow up. Their website changes prices and manipulates data to make it more appealing with limited explanation. 

Please investigate the Customer Service, Points Benefits Programs, Travel Price Manipulation and Refund Policies of AMEX Platinum Travel and their affiliates. 

This all happened XX/XX/2020 - XX/XX/2020 and is still ongoing. I have yet to resolve this issue.
Consumer complaint received 2023-04-10
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. (NJ)

I, XXXX XXXX, am a natural human being and I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they have violated my consumer rights multiple times. I demand the accounts listed here are modified and updated to Paid as Agreed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission According to 15 USC 1681 I have the right to privacy According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors.
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

I have reached out for more information about this alleged account to include the 1099 considering it is listed as a charge off. Please stop ignoring me and provide the 1099 for this charge-off or at least tell me if there was one done. Also if this alleged debt was sold provide that information as well. You have several alleged accounts for me under XXXX and I need this info for and all. THIS IS ALLEGEDLY VICTORIA SECRETS ACCOUNT
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

They are still showing delinquent reportings for XXXX, XXXX  XXXX, and XXXX XXXX, and all of these delinquencies were related to fraud claims that I was actually cleared on. I have also approached the companies. Also there are several inquiries that are unauthorized that I've also mentioned in previous reports that show up under TransUnion. All of the inquiries that are not related to existing credit cards or accounts or unauthorized. Okay
Consumer complaint received 2019-06-26
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: SUNTRUST BANKS, INC. (MO)

Every time I look I get a hard inquiry from SunTrust. I never gVe them permission to do an inquiry except initially when I first started. I cant believe how many time I got hit with these. I even ask when they called me up and offered me more funds if there would be a hard inquiry and the lady said no. I am very upset with this. Also I am a little behind on bills due medical leave leading g to terminate on XX/XX/2029. Just recently started a contract job Monday before last to catch up Help!!! No more inquiries from this lender! They havnt even told me about a single one!
Consumer complaint received 2020-02-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (VA)

I owed a medical bill to XXXX XXXX and they sent to collection agency. The amount owed was XXXX and collection agency continually increasing the amount and reporting on credit report and I made a payment to them for the bill and was not shown on credit report and did not apply toward bill. I just paid directly to XXXX XXXX the remaining balance minus the money already paid to collection agency.
Consumer complaint received 2023-08-13
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. (MD)

Received notification from Equifax and XXXX that a new account " with XXXX XXXX was opened in your name. The Credit Card account was opened on XX/XX/2023. '' Contacted XXXX XXXX and confirmed no such new account opened. Companies websites designed to hide dispute credit report pages behind subscription pages. Direct links accessed at cfpb.gov. Hours spent in attempt to dispute credit report item failed. Company not taking responsibility for erroneous credit report changes.
Consumer complaint received 2019-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

I received an email on XX/XX/2019 from FedLoan Servicing, FedLoan Servicing, XXXX. XXXX   XXXX, XXXX, PA XXXX, and they were informing me that XXXX XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX South Carolina, XXXX informed them as of 2 days ago that I was receiving aid and attending their school when They Are NOT even on my fasfa, and I was never enrolled because I was denied aid. According to the email the school went around that and still tried to steal funds and falsify my attendance. I received notice that I was enrolled via FedLoan when the school informed me I could not enroll due to the denial of aid via email. A man by the name of XXXX told me this via the XXXX whom worked for the financial aid office. Fed Loan and the School falsified aid and facilitated aid when the school was never on my fasfa to even pull aid or contact Fed Loan.
Consumer complaint received 2019-04-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

There was an error on my credit report due to a past divorce. Disputes were opened with all 3 credit bureaus on XX/XX/2019. 

On XX/XX/XXXX I received notification that the dispute was completed and attempted to access via the online portal. Error messages were present that the " Service was unavailable ''. I attempted to access on XX/XX/XXXX and got the same result so I called their customer service line. 

I was told by the customer service rep that the dispute was not completed but canceled due to the documents not being present. I uploaded the document via their web page, and they have subsequently lost them. These documents contain large amounts of PII for both myself, my child and my ex wife. When I asked to have the documents tracked down and verified where they went I was told that they do not have a security division or cybersecurity department. 

They then informed me that the dispute wasn't opened as a dispute and was not completed, despite getting emails saying the dispute was completed. 

Overall I have deep concerns about the security of my documents and the lack of care to correct my credit report. 

I can provide a call recording of the interaction if requested
Consumer complaint received 2020-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arbor Professional Solutions, Inc. (OH)

Upon checking my credit file, I noticed that I have two accounts listed on my trade lines from Arbor Professional Solutions. The fair credit reporting act requires that debt collection agencies give consumers the right to dispute any alleged debt and the company are required to validate the debt ... this company did neither I never received the right to dispute this account nor have I received any correspondence in the mail regarding this account. By law this account should not be listed on my trade lines
Consumer complaint received 2017-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SD)

I have a credit card account with Bank of America. They state in their Credit Card Agreement that they are subject to the laws of the State of North Carolina. I have read that they can close my account for any reason which they did. But they did not tell me what the reason was. I have never missed a payment and I am still making payments. I believe my account was closed because I used the Credit Card in   XXXX   XXXX    in  XXXX . Right after I made this trip they closed my account. I have never been delinquent.
Consumer complaint received 2017-01-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/XXXX, Chase placed a block on my checking account. This was not only inconvenient, as it left me without access to my funds, but it cost me {$15.00} out of pocket because I was in the middle of fueling up my vehicle with a {$1.00} per gallon discount. I was unable to fill up the last XXXX gallons and lost the discount. I called Chase twice, since they hung up on me after the first time. They were unable to advise me why they blocked my account. I asked for a supervisor to explain why the block occurred and was promised a call back within 24/48 hours. The called me back a week later to " apologize for the inconvenience ''. I asked the supervisor why the block happened and the sup told me that not only did she not know, but that she would have to forward my request to yet another department to get an answer and could n't give me a timeline for when it would be resolved. C'mon Chase, not only were you not honest when promising me a timely call back, but you did n't even resolve the issue when you did call me back. In addition, when I called on XX/XX/XXXX I was asked for my name, my address, my phone number, SSN, my debit card number, the expiration on the debit card, the 3 digit code AND the pin number. I gave all this to you willingly to verify my identity. Yet, even with all this information you FORCED me to use an automated system to " verify my identity ''. I advised the phone rep that it was absurd to have me provide the exact same information to an automated system, especially given all extensive list of sensitive information I already provided. They did n't care, so just to get through the XXXX with your company, I provided it..again. Your customer service is absolutely terrible, you do not uphold your commitments, your own employees have no idea how to explain why your processes do what they do, and you cost me money, time, and embarrassment when you declined me.
Consumer complaint received 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (AZ)

BSI changed our payment amount by about {$1.00}. We have been sending in the amount we knew we were supposed to send in through our bank by an automatic payment. This has been happening since XXXX and we didn't know because they had our wrong address on file, so we were never notified. In XXXX they decided to stop doing it that way and just held our payment and reported us late. Then they did it again for XXXX. We received a phone call from BSI as we were in the middle of buying another house for my mom who is getting out of an abusive relationship, and the person said just add 3 dollars to your next payment and everything will be okay, there won't be any lates or anything. My wife fixed the payment so that it would be correct and we were clear to close on the home for my mom, then these reports came out and destroyed our plans. Our credit is messed up and we have been calling for 2 and a half weeks and can't seem to get through to anyone who can help. The customer care won't put us through to supervisors and the one we finally did get through to will not call us back. This was all because they had our address wrong and didn't send notification that the payment had changed and stopped pulling the extra {$1.00} from escrow. Please help us.
Consumer complaint received 2019-06-25
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (FL)

I would like to join any lawsuits against XXXX University, XXXX XXXX, Navient and XXXX XXXX. I am a XXXX XXXX student that is being harrassed to pay Navient {$36000.00} for a useless degree.
Consumer complaint received 2019-06-25
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. (UT)

XXXX XXXX # XXXX is reporting a debt I do not owe. This debt was for an XXXX XXXX which was returned shortly after I acquired it. This debt is also past the statute of limitations and it should not be owed.
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

I am reporting 3 issues I've had. 

The first is my Walmart credit card that I just finished consolidating. I paid the remaining balance of {$95.00} over the phone in XXXX of 2019, however that payment never went through and I received a letter in the mail stating that my balance was past due with the amount of {$100.00} on XX/XX/2019. I called Walmart and paid it off but was waived the late fee and only had to pay {$95.00}. If the payment had gone through the first time a paid for it over the phone, I wouldn't have a late payment. 

The following reports are due to the financial hardship I was going through at the time : My XXXX XXXX credit card had a minimum balance of {$25.00} due on XX/XX/2019. I didn't pay the {$25.00} minimum until XX/XX/2019, which resulted in a {$25.00} late fee and my minimum balance increased to {$51.00}. 

My XXXX credit card payment was due on XX/XX/2019. I made a payment of {$260.00} on XX/XX/2019. This resulted in a late fee of {$27.00}
Consumer complaint received 2019-04-19
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. (GA)

Hi my name is XXXX. I recently was at home doing a routine credit check for myself. As i'm going down the list of items on my report I noticed somethings that i'm certain are not mine. I was advised to contact this agency.. I also contacted my local police and FTC. These items are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-10-09
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: Experian Information Solutions Inc. (CA)

I am filing this report because today XX/XX/19 I was made aware of some accounts on my credit report that aren't mine. These accounts were opened by someone named XXXX XXXX without my permission. I have no idea who that person is or why they opened those accounts in my name but I have already filed a police report regarding those fraudulent accounts. None of those accounts belong to me nor did I ever make any purchases or payments with any of those accounts. I do not have any contract/agreement with any of those companies and I did not give them permission to run my credit or view my personal information.
Consumer complaint received 2019-10-09
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. (CA)

I am filing this report because today XX/XX/19 I was made aware of some accounts on my credit report that aren't mine. These accounts were opened by someone named XXXX XXXX without my permission. I have no idea who that person is or why they opened those accounts in my name but I have already filed a police report regarding those fraudulent accounts. None of those accounts belong to me nor did I ever make any purchases or payments with any of those accounts. I do not have any contract/agreement with any of those companies and I did not give them permission to run my credit or view my personal information.