davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TX)

M, AND T BANK BOUGHT MY MORTAGE UNBEKNOWNST TO ME. I MADE A MORTAGE PAYMENT USING MY APP FROM XXXX XXXX TO THE LOAN ON XXXX FOR XXXX AND THE THE NEXT DAY AN AUTO PAYMENT WAS SENT OUT IN DUPLICATE. FOR XXXX. A TOTAL OF XXXX CAME OUT OF MY ACCOUNT IN 2 DAYS. THE SECOND AND DUPLICATE PAYMENT WIPED OUT MY XXXX BUFFER AND PUT ME IN THE HOLE. BUT THE FUNDS WENT OUYT TO M AND T BANK, I SPENT OVER 37 HOURES FIGHTING THIS FOR 32 DAYS SO FAR. I WENT TO MAKJE MY REGULAR XXXX PAYMENT ON XXXX JUST BEFORE MIDNIGHT FROM WORK AND FOUND OUT M AND T BANK SAYS NOW THAT THEY NEVER RECEIVED ANY PAYMENT., THEY KEEP SAYING INSUFFICENT FUNDS BUT IN A CIOUYRT OF LAW THE RECORD WILL SHOW XXXX WAS SNT TO THEM WHATECER THEY AND THEIR MORTAGE TRANSFEWRE XXXX XXXX XXXX DO WITH MY FUNDS IS OUT OF MY CONTROL. NEVER ONCE DI A HUMAN FROM M AND T BANK CALL ME TO HELP. I SPENT ABOUT 37 HOURS AND 20 PLUS PEOPLE FIGHTING THIS. NEVER WAS THERE ANY MORTAGE PROBLEM TILL M AND T BANK GOT INVOLVED. ALL I GET FROM 2 XXXX, A XXXX, A XXXX, AND OTHERS ARE LIES SAYING THEY WOULD CREDIT THE FUNDES BACK TO MY ACCOUNT FOR THE DUPLICATE PAYMENT. IT WOULD HAVE BEEN EASIER TO LET THEM JUST KEEP THE DUPLICATE AND USE IT FOR XXXX. M AND T BANK HAS CAUSE ME UNBEARABLEPAIN AND ANGUISH AND NOT ALLOWED ME TO PURCHASE POST XXXX XXXX MEDICINE FOR A FASMILY MEMBER IN THE BEGINNING OF XXXX. HAVE BEEN FIGHTING THIOS FOR 32 DAYS, NEVER ONCE DID M AND T BANK CALL ME, XXXX KEEP TELLING ME LIE AFTER LIE ANTER LIE. THEY STATED IN MY FIRST COMPLAINT THEIR WEWRE UNSUFFICENT FUNDS, NEVER. THEY RECEIVED 2 PAYMENTS AND EVEN TOLD ME THEY HAD 1 IN 'SUSPENSE ' FOR OVER 2 WEEKS JUST SITTING ON IT. NOW THEY SAY I NEVER EVEN MADE 1 PAYMENT WEHN XXXX DOLLARS WENT FROM XXXX XXXX TO THEIR COFFERS. M AND T BANK IS GOING TO BE HELD RESPNOSIBLE FOR THIS PAIN AND SUFFERING THEY HAVE CAUSED ME AND MY FAMILY ONCE THIS IS SETTLED, IN A COURT OF LAW.
Consumer complaint received 2019-05-02
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. (CA)

XXXX XXXX shows I have 3 open auto loans while I only have one. The auto lease is due on to mature onXX/XX/XXXX. Please investigate the contract agreement XXXX XXXX XXXX shows I have reposes which I did not. I paid the whole 36 months as agreed. Please investigate the contract agreement Transunion Credit Bureau is reporting negative things on my report while it does not appear the account in good standing that is paid off. There is aXX/XX/XXXXXXXX XXXX which has been paid off the XXXX XXXX and is not showing up on my account. Instead someone elses account shows negative on my name. Transunion is reporting that I owe {$11000.00} on credit cards while I dont owe it as I have automatic payment on my credit card. I do not owe what is reported on Transunion. This specific company gives a very low rating to most of us consumers due to its inaccurate reporting.My 4 credit cards have been closed due to Transunion. It did destroyed most of the things in my life. I kept getting declined by the bank because of the Transunion report. This reporting agency should be shut down. It destroys lots of American consumers. I will be losing my job and will be homeless with my XXXX children. I blame Transunion Credit Bureau for my loan getting declined. 
XXXX XXXX XXXX closed my account after I reported that my checking account was hacked. I have to shut down my checking account and open a new account. I reported theft on my two credit cards from XXXX XXXX XXXX. After complaining it, my card got closed and was reported as charged off. I need help to fix this problem.
Consumer complaint received 2022-07-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX : {$5400.00}
Consumer complaint received 2022-07-09
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: Bread Financial Holdings, Inc. (OH)

In Accordance with the Fair Reporting act XXXX Account, 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 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately. 
Collection account from AMERICOLLECT with account # XXXX and a balance of {$180.00}. The original creditor is XXXX XXXX XXXX.
Consumer complaint received 2022-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE CORPORATION (GA)

On XXXX XXXX my bank allowed someone else to say what checks wrote on my account could be paid and which ones could not be paid. 
I told the banker that I knew about this check and I okayed the check to be paid. The banker stated to my sisters the only way they would unfreeze my account was if I took my niece off the account. I said I would not do that. My sisters then removed my niece and added their selves to the account.
Consumer complaint received 2019-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This is a complaint about Equifax who has failed to delete a false debt from my credit record. 

The problem started when I received a collection letter from XXXX XXXX XXXX, dated on XXXX XXXX, XXXX. It stated that I owed a chargeback ( total {$120.00} with fees XXXX for a stay at XXXX XXXX on XX/XX/XXXX. I have never stayed at any such hotel. 

I have previously provided all the evidence necessary to Equifax to dismiss this debt claim ; yet after filing disputes about this issue four times, Equifax has still failed to investigate this false debt claim. I have contacted all the other major credit bureaus regarding this debt and they were able to promptly verify that this debt is not mine and delete it from my records. 

As a side-note, Equifax publishes an incorrect address on their dispute report, which is needed for mailing additional supporting documents. Even the post office could not resolve this address in their system. I had to call Equifax customer support to get the correct address. 

This is clearly a case of mistaken identity and have provided the following evidence : [ As suggested by CFPB guidelines, I will not use my real name, instead I use a pseudonym to illustrate in the following description. I have also altered the numbers XXXX XXXX names of the addresses, but they are still representative for this situation ] 1. Hotel records show guest 's name is XXXX XXXX. My name is " XXXX XXXX XXXX XXXX. No government issued identification or credit cards have ever been issued to me as XXXX XXXX. 

2. I do not reside ( or have ever lived ) at XXXX XXXX XXXX XXXX XXXX XXXX, CA. Yes, my current address is " XXXX XXXX XXXX XXXX '', but they are different. Furthermore, any similarities between the guests address and mine are merely coincidence. This address is inadmissible in identifying myself as the guest because I didnt move to my current address until XX/XX/XXXX and the hotel check-in date is XX/XX/XXXX. I have provided a Move Out Statement as proof. 

3. I have never been issued a credit card ending in XXXX, which was used for the hotel booking. 

Equifax has made no attempt to investigate the legitimacy of this debt. From discussions with their customer service personnel, Equifax merely contacts the XXXX XXXX XXXX for verification ; yet it is the collection agency that is submitted the false claim and stole my identity to collect a debt which doesnt belong to me ( I have already filed a separate complaint for XXXX XXXX XXXX ). It is shameful to see such a lack of due diligence and carelessness from a major credit bureau.
Consumer complaint received 2019-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (CT)

I filed a dispute with XXXX XXXX regarding a XXXX card that is reporting negatively on my credit report. 

I received a letter in the mail on XX/XX/2019 dated XX/XX/2019 stating that my account had been sold to XXXX XXXXXXXX XXXX  on XX/XX/2019. 

I never received a letter or any documentation from XXXX XXXXXXXX XXXX regarding any accounts and Im not even sure that this debt is mine. 

I received the letter on XX/XX/2019 and as of XX/XX/2019 its reporting negatively on my credit reports. I want it removed as I never received any documentation from this company and am not even sure that the account is mine.
Consumer complaint received 2022-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (IN)

I took this furniture lease through XXXX XXXX. They offered a XXXX day pay off option. I set the payment to debit at the due date and waited for the remainder of the payoff after already paying off more than half. 
They did not try to collect the funds per XXXX XXXX XXXX XXXX and my statement that was on the attached. 
I submitted them this documentation and they are saying they attempted and the bank returned the payment. 
My bank told me that every attempt would at least show on my statement and they are not telling me the truth. 
They will not honor the XXXX day purchase option and are trying to collect over {$1200.00} more from me now. 
They are trying to scam me and overcharge. It is hard being poor and these people pray on XXXX folks who are struggling and trying so hard.
Consumer complaint received 2019-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch (CT)

I filed a dispute with XXXX XXXX regarding a XXXX card that is reporting negatively on my credit report. 

I received a letter in the mail on XX/XX/XXXX dated XX/XX/XXXX stating that my account had been sold to Second Round LP on XX/XX/XXXX.

I never received a letter or any documentation from Second Round LP regarding any accounts and Im not even sure that this debt is mine. 

I received the letter on XX/XX/XXXX and as of XX/XX/XXXX its reporting negatively on my credit reports. I want it removed as I never received any documentation from this company and am not even sure that the account is mine.
Consumer complaint received 2023-03-27
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX Card # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # No Account Number Provided, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-07-09
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2021-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (NV)

Charles Schwab has put a hold on my checking account since mid XXXX. I've called 5 times and they just say the account is on hold for security reasons with no other information. I've verified all the information they've asked. I just want my money.
Consumer complaint received 2022-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

15 U.S. Code 1692a - Definitions As used in this subchapter ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

Thank XXXX Capital One for stating in the response you sent through the CFPB on XX/XX/2022 that you cease and desist communication with me the consumer thank you again for providing me with evidence Capital One you still in violation of federal law pursuant to15 USC 1692a ( 2 ) Congress stated using any medium the XXXX major credit bureaus are used as medium for communication so you are still in violation of the fair debt collection practices act you are still in communication with me through the XXXX major credit bureaus remove this account from all three major credit bureaus immediately if not I will send my evidence and a XXXX of Truth to you and to the local Authority General and to the Consumer Financial Protection Bureau and to the FTC will bring lawful actions against your corporation for your nonfeasance act and defamation of character with a invoice. I will consult with my legal counsel for suit if need it. 

15 U.S. Code 1692k - Civil liability ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my recent credit report and the negative items that are currently listed. Upon reviewing my report, I have noticed several discrepancies that require immediate attention. 

Firstly, there are two addresses listed under my personal information that are not correct. The first one is located at XXXX XXXX XXXX XXXX, TX XXXX and the second one is located at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Please remove both of these addresses immediately from my report as they do not belong to me. 

Secondly, I have noticed that two employers have been listed on my report that are not mine. The first one is listed as " XXXX XXXX '' and the second one is listed as " XXXX XXXX XXXX XXXX ''. Please remove both of these employers from my report immediately. 

Furthermore, I have noticed several inquiries on my report that I do not recall authorizing. The companies listed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Please remove all of these inquiries from my report immediately as I have no recollection of authorizing them. 

Additionally, there are several accounts listed on my report that I do not recognize. These accounts are listed under XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and My Community XXXX Please investigate these accounts and remove any that do not belong to me from my report immediately. 

Lastly, I have noticed that several inquiries on my report have violated Metro2 reporting compliance by not reporting their contact information. The companies listed are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Please remove all of these inquiries from my report immediately. 

I request that you take immediate action on the above discrepancies and remove any negative items that do not belong to me from my credit report. I appreciate your assistance in this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-09
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: EQUIFAX, INC. (NY)

In accordance with fair credit Reporting XXXX  account # XXXX XXXX  XXXX Has violated my rights In accordance with fair credit Reporting XXXX  account # XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 Section 602 A states I have the right Privacy 15 u.s.c 1681 Section 604 A section 2 it also states a consumer reporting agency Can not furnish a account with out my written Instructions
Consumer complaint received 2022-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (IA)

I received several letters from TRS Recovery Services on XX/XX/2022. These letters accuse me of owing a debt to XXXX XXXX for a total of {$68.00}. I have never made any purchase from XXXX XXXX. 
TRS Recovery Services state they have entered this debt into the nationwide database. This is not my debt and I can not have this false information used against me and my good credit! 
I called the number on the letter which led me to their website. I went to the website and was redirected to the letter. XXXX XXXX. I submitted a dispute to this Debt by mail but the company has more than XXXX XXXX XXXX XXXX I am concerned that TRS will claim they have not received my dispute and will proceed with the assumption that this debt is valid. I don't know what happened here but this debt is not valid.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I paid {$1200.00} on XX/XX/XXXX as a full payment on my capitol one card. On XX/XX/XXXX, someone made an XXXX  payment from a debit card I gave my XXXX to pay her XXXX XXXX XXXX XXXX. That card never has had more than {$58.00} on it and you can see she buys books at XXXX with the money. This XXXX transfer into my account was for {$410.00} which was IMPOSSIBLE since neither one of us has the other 's bank card. I just have her last XXXX digits. Since then, I have charged {$100.00} on that card but they have returned the {$41000.00} as a debit on my card for a purchase I never made. When I call no one can explain what happened. When I look up problems with Capital one, apparently their website was miscalculating cards. Every payment I have made on my credit cards have ALWAYS been made from my bank account ending in XXXX, NOT from a child 's card ending in XXXX. No one at the company can explain nor will they take back the charge I never made. Please help This is a copy of the blog I sent you yesterday and don't see it listed. This is the email I got. 

Capital One logo Your payment wasn't completed. 


Re : Your account ending in XXXX XXXX, We were unable to complete your recent transaction because there wasn't enough money available in your account to cover the payment. 

Amount : {$410.00} From : XXXX, XXXX XXXX XXXX : XX/XX/2022 To view your balance or transfer money, sign in to your account. 

Thanks for being a Capital One customer.