davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

On or about XX/XX/2006 I have contracted the purchase of two 5 family buildings four mortgages were established two main accounts and two piggy back accounts. XXXX M & T Bank raised the interest rate from 9.5 % to 11 % without any contractual basis, furthermore I have requested a payoff to potentially pay these mortgages off they were charging me charges which seemed unlawful such as recording fees, other funds due ( which are not detailed ) release fee, and a payoff letter fee all of whom are illegitimate and not contractual. They are not willing to show me any legitimate documents that allows them to request these high interest rates which I have been paying for 14 years with no incidents, or request these payoff fees. M & T has really engaged in a racketeering enterprise.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TO WHOM IT MAY CONCERN ( CFPB ) I AM SUBMITTING COMPLAINT AS CONSUMER, I HAVE 3 NEGATIVE ITEMS REPORTING TO ALL 3 CREDIT BUREAUS BLEMISH ON MY CREDIT REPORTS. THERE ARE ( 3 ) DIFFERENT YEARS XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX THEY WERE ALL DISMISSED THEY WAS ALL DISMISSED BY US BANKRUPTCY COURT, I AM SUBMITTING THIS INFORMATION ON GOOD FAITH AS A CONSUMER TO HAVE 3 NEGATIVE ITEMS REMOVE OFF ALL 3 CREDIT REPORTS,
Consumer complaint received 2022-07-21
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. (FL)

In accordance with the Fair Credit Reporting act 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 2019-07-01
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: CITIBANK, N.A. (CO)

I am having problems with Home Depot or THD/CBNA removing late payments from my credit report. I had always an amazing payment history with them and always made all my payments on time with them. Now I am trying to buy a house and it is affecting my credit score. The late payments for dates XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016. I always had a high balance but decided to close down the account completely and pay of the high balance. I would really appreciate if Home Depot would remove those late payments from my credit report. Thank you
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CORELOGIC INC (NC)

I sent a letter to CoreLogic, requesting a security freeze be placed on my file but this company said they don't place security freezes.
Consumer complaint received 2022-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CO)

When transferred to Aidvantage from XXXX, Aidvantage erroneously opt my account out of the COVID emergency forbearance without my notification. Aidvantage then issued delinquency notices after I did not pay on my student loans, which should have been in forbearance. I did resolve this issue on the phone with Aidvantage, after they acknowledge the error in their system.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (OR)

On or about XX/XX//2018 I was shopping in a XXXX XXXX XXXX store. The cashier stated that if I gave her my DOB and SSN she would enroll me in a club that would provide me a store discount. She never stated credit card. She never stated my credit bureau file would be accessed. I gave her the information she requested. 

Both my XXXX and XXXX credit reports show an inquiry from XXXX XXXX / XXXX. I never authorized this inquiry. XXXX XXXX never had permissible purpose to access my credit bureau reports. 

The sales person lied and did not state this was actually a credit application. She only stated I would be joining the XXXX XXXX XXXX. 

In spite of the fact that XXXX XXXX illegally accessed my credit bureau reports, they never sent me the results of the credit application. They never sent any credit card. They never sent any adverse action notice or ECOA notice. This is also illegal.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (AL)

It has come to my attention that after several years of communications with American Express about two credit cards that were opened in XX/XX/2016 by fraud, that they are still appearing on my credit reports and now appear as charge offs. Furthermore I received a collection letter from a collection agency trying to collect on these cards. I have reported this also to the 3 credit reporting agencies that they have failed to respond to my letters about these account. First account that is on my report is XXXX, and second is XXXX. These are fraudulent accounts.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I, the consumer and natural person was denied credit, my account was put on restriction, and it was reported to the credit reporting agencies XXXX and XXXX that the account was closed, without my consent by Capital One when I exercised my right to remit my payment coupon. I endorsed and submitted my remittance coupon to Capital One that was delivered on XX/XX/XXXX via certified mail. My balance was {$390.00} of a {$400.00} limit, I submitted my coupon for {$350.00}. On XX/XX/XXXX I got various notices in my online documents saying my spending privileges was suspended and my account was restricted. Also stating that it was because of severe delinquency or over limit status, which it was neither my account was in good standing. I didnt notice this information until XX/XX/XXXX and saw that I sent my remittance coupon to the incorrect address that processes those transactions. So, I resubmitted a new endorsed remittance coupon for the amount of {$350.00} and sent it via certified mail that was delivered on XX/XX/XXXX. Since then, my XXXX XXXX alerts has notified me that the credit reporting bureaus are stating my account with Capital One is closed. Capital One now has two of my original endorsed coupons I have sent. Since there was no return of my negotiable instruments, they have now accepted 2 payments towards this account. The company has failed to apply the remittance to my balance, failed to acknowledge reasons as to why the instruments were not accepted for payment, even though they were not returned ; which by definition is accepting payment per each coupon, and have continued with defamation of character in credit bureau reporting, all while harming a living soul.
Consumer complaint received 2020-08-03
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$500.00}
Consumer complaint received 2020-12-17
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. (AZ)

Experian has not responded to ANY of my disputes under section 609 or 611 Which I sent certified mail. 

Experian is now in direct violation with the FCRA Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. 

I've attached enclosed letters of my dispute under the FCRA and also a non response to Experian Via certified SIGNED SIGNATURE. I've yet to receive any correspondence Experian needs to delete these accounts that are in the attached letters.
Consumer complaint received 2019-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NC)

An unknown debt appeared on my credit. I have been overseas for over 8 years. I have no knowledge of the debt nor do I know what its for. I was never afforded the opportunity to have the debt validated and or dispute- it was just placed in my credit.
Consumer complaint received 2018-04-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (WA)

These phone calls have been going on for weeks. We lost count of how many calls we received, because it sounds like the calls we got from the " I.R.S. '' last year. We have not received a written validation notice telling us how much money we owe within five days after they first contacted us. The message is the same automated message from Mercantile Adjustment LLC, XXXX. A robotic name " XXXX XXXX??? '' is provided, but is hard to understand. They want us to use reference number that is provided in the message, XXXX. The automated message is the SAME everytime, and is sent at about XXXX each day. The message does not ask for anyone by name ; therefore we do not know to whom the debt pertains. We are unaware of any outstanding debt that we may owe.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Solar Mosaic LLC (ME)

Mosaic Inc. fraudulently reported an $ XXXX loan on both my credit report and my husband 's credit report. I received notification from my XXXX Credit Report of the loan reported. I initially contacted the XXXX XXXX, XXXX XXXX XXXX  on XX/XX/XXXX of the fraudulent report. The representative told me the financing is done through a third-party company, Mosaic Inc ( which we were unaware of ). I reached out on XX/XX/XXXX to Mosaic via email and never heard a response. The salesperson from the XXXX XXXX sent an email confirming we never completed any loan applications on XX/XX/XXXX. I sent a follow up email on XX/XX/XXXX. Later that day Moasic Inc did respond complaining I did not contact them from the email they have on file. I immediately send another email on XX/XX/XXXX from the correct email address. 

I have submitted a complaint to the XXXX XXXX XXXX  on XX/XX/XXXX. I received a confirmation from XXXX  later that day confirming they received my complaint and are reaching out to Mosaic Inc.
Consumer complaint received 2019-07-02
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. (VA)

I'm disputing the following accounts, 1 ) XXXX XXXX   {$710.00}, 2 ) XXXX XXXX XXXX {$180.00} 3 )  XXXX XXXX XXXX {$450.00}, Due to my identity being lost, compromised and stolen. These accounts do not belong to me therefore I'm demanding that the credit reporting agencies Stop reporting such fraudulent accounts and block such accounts immediately. Or show just cause by providing me with certified physical documentation that shows otherwise. And as a general rule of law electronic Verification can not and should not be accepted as proof of any sort. Your cooperation is appreciated.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is my name my social security number is XXXX XX/XX/XXXX my complaint is that trans union credit didnt removed the account s with dept of ed XXXX theirs a total of 14 acconts all accounts are fraud account number XXXX along with several other accounts please have trans union removed these accounts from my credit report its affecting me. All negative accounts are fraud
Consumer complaint received 2019-07-02
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. (NY)

XXXX XXXX is my name my social security number is XXXX XX/XX/78 my complaint is that XXXX XXXX credit didnt removed the account s with dept of ed XXXX theirs a total of 14 acconts all accounts are fraud account number XXXX along with several other accounts please have XXXX XXXX removed these accounts from my credit report its affecting me. All negative accounts are fraud
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX XXXX Bankruptcy / XXXX/ {$0.00}
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Equifax and XXXX is purposely disobeying the FCRA 605 ( B ) Laws. Equifax and XXXX has received all the necessary  documents on my behalf to validate my identity being stolen, in relation to some fraud accounts showing on my report. Equifax and XXXX staff members verbally said they received the documents on XX/XX/2019 and thus Equifax hasn't blocked/removed anything! XXXX has removed everything needed but a XXXX acct, furthermore they both are willfully going beyond the legal statute of days having to block all the information resulting from alleged identity theft, not later than 4 business days of receipt. As stated under the FCRA 605B ( 15 U.S.C. 1681c-2 ) They are clearly breaking laws, I have been on phone calls stating the obvious that this is incorrect and i should not have to wait a total of 30days for you guys to block these accounts as a valid fraud investigational dispute works differently than the normal disputes. They would totally disregard the laws morality and my own anguish, so I thus have been forced to keep multiple fraudulent accounts on my profile through their own discretion.
Consumer complaint received 2019-07-02
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: Santander Consumer USA Holdings Inc. (FL)

I Sent in a dispute to XXXX, XXXX and XXXX  inregards to errors on my report, that is reporting incorrectly.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
I haven't Received no physical document of debt or corrections
Consumer complaint received 2019-07-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.A.Rogers, Inc. (CA)

I am constantly receiving harassing phone calls from this company. I had no knowledge what the calls were for but they just kept calling. They would even call my number at XXXX my time. However, I finally received a collection notice about a debt they said I allegedly owed to a company card XXXX XXXX. I have never heard or the original creditor and learned they are back east. Anyway I contacted the company A. Rogers Inc in writing to let them know they have the wrong person and that I am not in debt to XXXX XXXX. I requesting that they also stop contacting me via phone or in writing. After that the calls got worse- at least 5 times a day and still starting at XXXX. 

After that I received another collection notice from MS. XXXX at XXXX XXXX stating I owe a much higher amount than the previous collection notice.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates is doing unfair debt collection practices by reporting a debt to my consumer report as a means of coercing me to pay an extension of credit, which is a direct violation of 18 U.S.C.894- Collection of an extension of credit by extortionate means. They have taken adverse action against me with forethought and malice, by attempting to collect knowingly false collections to my consumer report without my lawful authority. This adverse action defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), has negatively impacted my ability to operate in commerce. Congress makes it clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct disclosure of my nonpublic information in accordance to 15 U.S.C. 6801 ( a ) of the Gramm Leach Bliley Financial Protection Act has been violated. They have also violated NY PL 190.79 ( 1 ). Portfolio Recovery Associates is not licensed to collect debt in XXXX, I will bring this to the attention of the attorney general.
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

On XXXX XXXX I went to the XXXX Macy in XXXX, WA to purchase a mattress & bed frame during their XXXX XXXX  Sales event. I asked for Macy 's White Glove service which includes delivering the mattress and frame for free. the sales person XXXX XXXX kept saying I should purchase a sales floor model as the Macy 's at XXXX XXXX had recently closed and he had great deals on Sales floor models But he could not offer me white glove service on the sales model. I told him I have no one to help me lift or move and I have a XXXX XXXX XXXX. XXXX XXXX manger was present who apparently is also named XXXX last name XXXX from what I have pieced together then put all the info in for a mattress that had white glove delivery then he said he could not deliver it on a Saturday  so he could give me XXXX XXXX dollars off the sales floor mattress and frame and i could order a XXXX delivery which XXXX XXXX then set up on my phone. 
The mattress was to be delivered on Saturday  XX/XX/XXXX the XXXX staff had to drag my mattress up my two flights of stairs. Then when it came time to lift the bed frame they stopped at my front stairs to my apartment and said it was too heavy for them to lift. I said Macy 's had promised the full delivery. The pair of men bickered with me and I got Macys mattress department on the phone XXXX XXXX answered and I said I was sending the XXXX crew back with bed frame because they could not even lift it up one step to my apartment door.XXXX XXXX said he would get a Macy 's Manager to call me.No manager ever called that day. I asked XXXX to call their supervisor and the young man said it was his first day and he had not ever lifted or moved anything and could not lift up any stair case the XXXX took the frame back to macys to a manager called XXXX XXXX XXXX x XXXX which never get back to me. He said he would partner with XXXX but I have left messages and never heard back from him. The number he gives me is not direct. XXXX wants to charge me XXXX XXXX and XXXX XXXX dollars for a bed frame I never obtained because their XXXX could not XXXX. 
I have attached the Macys reciept which states Macys is responsible for delivery. At this point all I want is a refund on my Macy 's credit care for the bed frame and I do not want to purchase anything from Macys again. I feel that Macy 's should pay XXXX. I am hoping you can help me with this situation.
Consumer complaint received 2019-07-02
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: CITIBANK, N.A. (WA)

XXXX company Citibank pulled my XXXX credit report, then claimed that they didn't. This in spite of a record on my XXXX report. They had the audacity to claim that all three bureaus work together and a pull to XXXX or XXXX is automatically reported to XXXX. That's a lie. They pulled the report for no use, as their Executive Response Team told me they have no use for the XXXX report. So they dinged my credit report just for their own XXXX XXXX XXXX XXXX and giggles. Piece of XXXX company with no respect for consumers. It's a fundamental violation of the law to pull a personal credit report if it's not in connection with a decision to grant credit or make an offer. Pulling it for no reason is illegal.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MS)

I made a jewelry purchase of {$520.00} at the XXXX XXXX location of XXXX on XX/XX/22 and decided to return it on the same day to another location. I returned the entire purchase but did not receive credit for the return.