davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (DC)

On or about XX/XX/2020 I attempted to get my credit report online through XXXX  XXXX XXXX ( " XXXX '' ). I was denied access to it online. I had given them my correct information. I then called their telephone line and again gave them my same information, which it accepted. I was told it would be sent within 15 days. It has been well over 30 days and I have still not received said report. I chose to get a report from only one of the agencies ( Experian ) so as to be able to request from the other two ( 2 ) at a later time. However, again on XX/XX/2020, I called " XXXX '' expecting to be able go speak with someone about not receiving the report, but there were no options to speak with anyone nor a prompt asking if you had ordered and not received your report. Therefore, I went ahead at that time and ordered a report through them from XXXX, which understandably, has not been received yet. Also, no correspondence has been received from XXXX or any of the reporting agencies stating there were any issues. Thank you in advance for your assistance with clearing up this matter.
Consumer complaint received 2021-06-25
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: AMERICAN EXPRESS COMPANY (WA)

AMEX XXXX AMEX is so bad they will take money for XXXX to pay off organized crime. 

Then they will trash your credit and probably try to sue you. 

I've been forced now to pay them XXXX for my own XXXX.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (MD)

On XX/XX/2021 I attempted to cash a USPS money order on my account at M & T Bank, XXXX, Maryland. I have submitted a complaint about the indefinite hold on my funds. 

This complaint is to address M & T Bank 's patently false and misleading statements regarding the availability of my funds in its offensive written communications, its app and website. 

Although I deposited a USPS money order, my funds are being held indefinitely while M & T treats me as a criminal and does a " fraud '' investigation. Yet, on both the app and website it states that my funds are available. They are not! This is patently false and misleading as nobody can tell me when my funds will be available. Moreover, I received an extremely offensive letter from M & T misinforming me that my funds would be available in five business days. 

Ironically, while treating me like a criminal, M & T is actively providing false and misleading information about the availability of my funds on its app and website.
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (ME)

Unfortunately I am going through fighting with my mortgage company BSI Financial. Who stated they would pay my property taxes via my escrow. Now I have received a letter from the town tax collector they have put a lien on my home because property taxes were not paid out by BSI. Their excuse was it isnt due until XXXX. The original letter states vey clearly {$780.00} was due XX/XX/2021 for XX/XX/2021taxes. Perhaps a mid year as the total is roughly as much. Im stuck between a rock and a hard place. I was not given a decision of who carries my loan
Consumer complaint received 2020-12-13
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: Experian Information Solutions Inc. (AL)

Pulled a copy of my credit report and noticed unauthorized inquires from several companies that I didn't do. I reached out to them already they said contact the bureaus to get these items deleted without a problem.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

According to FCRA 605B, we're supposed to get rid of incorrect accounts from reports. Can you check the documents? The accounts listed on my report are wrong, and it's making me feel restless.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (OH)

In the first week of XX/XX/2021, I received an unsolicited MoneyLion Mastercard debit card ( XXXX, powered by XXXX ) that included a direct deposit form, account number, my name, a routing number, and an account number. I did not apply for this card. I have never heard of this institution.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2020-11-05
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. (ND)

On XXXX, I sent Equifax a letter notifying them about 2 unauthorized addresses, 1 unauthorized employer and 5 unauthorized inquiries which do not belong to me. I attached a recent report outlining the unauthorized items. On XXXX, my letter was delivered to Equifax according to the XXXX XXXX XXXX XXXX. On XXXX, Equifax sent me report # XXXX with dispute results which clearly shows Equifax is continuing to report 5 unauthorized inquiries which is against federal law. They have failed to delete the 5 unauthorized inquiries. I have attached a copy of the letter Equifax received dated XXXX, a copy of the XXXX certified mail receipt dated XXXX, a photo of USPS tracking delivered dated XXXX and the updated Equifax credit report # XXXX dated XXXX.
Consumer complaint received 2021-03-31
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. (FL)

I had several accounts with XXXX XXXX XXXX XXXX and I have requested information in reference to the accounts they are reporting on my file. I do not know if it's the bureaus or the credit union showing the incorrect information, so the accounts were already disputed with the bureaus and I sent a certified letter to the credit union requesting details that are reporting on my personal credit file. It has been well over 30 days and I have yet to receive anything from the credit union. I have attached proof of the request and proof they received it.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX,

has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-25
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: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2021 Your company checked my credit report and put a inquiry on my report without my consent i never authorized your company to check my credit report without my knowledge. Please remove the inquiry i did not give you permisson to check my credit report. I dont have a account with your company. I wrote letters to you in XX/XX/2021 asking you to remove the inquiries i have not heard anything from you and wrote letters to XXXX XXXX and XXXX credit bureaus.
Consumer complaint received 2019-08-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in 3 dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed.I sent factual proof that this account was inaccurate and reporting incorrectly to my credit and should be removed. I have been sending out dispute letters since XX/XX/2019.
Consumer complaint received 2018-07-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (FL)

A company called XXXX XXXX continues to call both my husband and I claiming we owe money from an old payday loan. We know that we do not owe any money but they will not stop calling and harassing us. They use many different phone numbers or call from block numbers, most recently this number : XXXX. They claim to be needing to get me papers for a lawsuit but won't give me any specific information.
Consumer complaint received 2021-03-31
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. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My XXXX XXXXXXXX acc reporting wrong info the open dates are wrong acc status one report says closed the other says paid date late one says XX/XX/XXXX the other says XX/XX/XXXX XXXX XXXX  Date open XX/XX/XXXX the other XX/XX/XXXX balance XXXX the other says XXXX past due XXXX the other XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX the other XX/XX/XXXX XXXX XXXX Date open XX/XX/XXXX XX/XX/XXXX high credit XXXX the other say XXXX last reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date of last payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Date open XX/XX/XXXX XX/XX/XXXX high credit XXXX the other XXXX credit limit XXXX XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX Date of last payment XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Jim Bottin Enterprises, Inc (NY)

On XX/XX/2017 I cancelled my gym membership with XXXX XXXX. Cancellation confirmation was provided in writing by XXXX and a copy was provided to ABC Financial. Despite the fact that this cancellation was confirmed, ABC financial contacted me by telephone and harassed me with collections notices demanding payment for a cancelled and confirmed gym membership. 


ABC Financial called me repeatedly and did not stop calling after I advised them to stop. 
ABC Financial attempted to collect debts that were not owed and threatened to take actions that can not legally be taken. In addition, ABC Financial failed to send a notice summarizing debt within 5 days of my written communication.
Consumer complaint received 2018-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NH)

I signed up with Caliber Home Loans via a mortgage broker in the State of New Hampshire. During the application process I asked both the mortgage broker and Caliber directly if there were any fees associated with making a payment online. They stated that there were no fees to make a one time or regular payment for my mortgage so long as the payment was made on time and not returned. 

Today, I attempted to make my normal mortgage payment, and I was notified that I would be charged a {$3.00} fee as of XX/XX/2018 for a single payment online. This is an unfair fee that was not disclosed to me in my original mortgage process. I feel that this fee is absolutely unfair to the consumer, and should not be legal without disclosure in order to protect consumers. What is to stop Caliber Home Loans from increasing this fee substantially? I should not be charged to make a simple payment online, especially after confirming that no fees would be applied with my broker and with Caliber Home Loans prior to engaging in the loan!
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, XXXX and XXXX XXXX showing payments and delinquents on my reports and that is incorrect information. XXXX XXXX  got paid in full
Consumer complaint received 2021-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (MD)

My original loan company transferred my loan to a new servicer who received all transfer payments for my loan account, but have not applied them to my account. The new loan servicer received and deposited the check payment on XX/XX/21, but never applied it to my account and then reported my account delinquent to the credit bureau. I have called and emailed on countless occasions and still have received no resolution to date. I also made an additional payment on my account & that payment wasnt applied as a regular payment but as an additional principal payment.
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (SC)

I did not owe this bill. I had health insurance, XXXX XXXX XXXX XXXX, at the time of service. this was just never billed to insurance and then put on my credit reports without my permission or knowledge. no one notified me of owing this. i did not give my permission to anyone other than the medical facility to give out my medcial records nor bills thus breaking my HIPAA rights.
Consumer complaint received 2022-10-16
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: LEXISNEXIS (IL)

LEXIS NEXIS RISK SOLUTIONS, a financial institution and credit reporting agency operating in commerce for profit by regularly furnishing bankruptcy public records obtained from XXXX, is currently furnishing my personal identifying information without my written consent, authorization, or permissible purpose. 

LEXIS NEXIS RISK SOLUTIONS is currently furnishing, selling, and trafficking my personal information to various XXXX XXXX such as XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and others which I may be unaware of. This unauthorized use of my personal identifying information constitutes " Identity Theft '' pursuant to 12 CFR 1022.3 ( h ), and is in clear violation of 15 USC 1681b ( a ) ( 2 ) having no permissible purpose or authorization. Under the FCRA, Bankruptcies are to be EXCLUDED from a consumer report in accordance with 15 USC 1681c ( a ). LEXIS NEXIS RISK SOLUTIONS, acting as both a credit reporting agency and a financial institution, has a fiduciary obligation and responsibility to comply with the FCRA section 15 USC 1681c-2 ( a ) in the interest of the consumer by deleting the unauthorized inquiries no later than 4 business days after receipt and delivery of the notice. 

I demand this agency to cease furnishing the information provided below in respect of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). 

XXXX XXXX BANKRUPTCY COURT XXXX XXXX  BANKRUPTCY XXXX XX/XX/2016 XX/XX/2016 2016
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2020 I the Consumer entered a false and deceptive form pursuant to 15 USC 1692 ( j ) with Capital One Auto Finance. I was violated on my rights as a Consumer. Capital One Auto Finance has communicated with me on several unreasonable times alleging I the Consumer owe a debt. In the false and deceptive form that I was aggrieved in I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ) .The total amount of the finance charge on the false and deceptive form was XXXX . I am disputing any debts alleged owed by me the Consumer and I am requesting all past payments be directed back to me including down payment cost in sum total of XXXX pursuant to 15 USC 1692h.
Consumer complaint received 2018-04-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NY)

I requested help in XX/XX/XXXX and explained that I have a XXXX XXXX, XXXX XXXX, and that my husband who was the sole breadwinner since I couldn't work -- was gone due to a tragic accident. I've called and emailed several times since then. I thought everything was set, according to the man I spoke to over the phone, that I would continue to pay interest only -- {$120.00} every three months. I was really hoping to postpone or discharge my loan, but I was told that was not possible. Then I received a letter saying I was delinquent end of XX/XX/XXXX, and it made no mention of my interest only agreement. The payment I made that was supposed to be for interest only, was used as a normal payment. They sent me an email saying they are planning to garnish my wages. I am dependent on my savings for survival ( medicine, food, minimum payments of bills, utilities, gas, insurance, etc ) since I can not work and have no wages. Can they go into my bank account and take my savings? I have been working on this since XX/XX/XXXX and they are saying I'm behind about {$500.00} dollars currently. I also have a cosigner and I am afraid HESAA will garnish his wages and ruin both of our credit. So far HESAA has not honored our phone agreement and continue to claim I did not " properly '' submit their forms -- which I have submitted multiple times since XX/XX/XXXX.
Consumer complaint received 2020-06-03
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: BARCLAYS BANK DELAWARE (TX)

On XXXX of this year I contacted all of my creditors and told them that I was being forced to shut down my XXXX XXXX of 19 years cause of the pandemic so all creditors agreed to allow me 2 months at first and then it was extended so can try and get back on my feet and barclaybank reported me for being late in XXXX to the XXXX  credit bureau, I have since asked to pls remove that and I have asked XXXX  to dispute it and they are all just playing with me, it is my only negative mark on my record and if I recall the federal government announce some time in XXXX that no ones credit rating would be affected negotiable by the pandemic.
Consumer complaint received 2019-08-27
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. (TX)

I have sent the credit bureaus all the proper documents to show that i have been a victim of fraud. I have also call each bureaus and have spoke to the fraud department and was told that the accounts was going to be remove.
Consumer complaint received 2019-08-27
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. (TX)

I have sent the credit bureaus all the proper documents to show that i have been a victim of fraud. I have also call each bureaus and have spoke to the fraud department and was told that the accounts was going to be remove.
Consumer complaint received 2019-08-27
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. (TX)

I have sent the credit bureaus all the proper documents to show that i have been a victim of fraud. I have also call each bureaus and have spoke to the fraud department and was told that the accounts was going to be remove.