davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NJ)

Good morning, We have an existing mortgage with M & T Bank. However, they have been negligent in following up about taxes and overpaid the taxes due to an error of their own. 

Our new home was built on a former plot and it had a specific plot number. However, on the same plot there are two new homes. M & T did not bother to check with the town and decided to overpay taxes by nearly {$15000.00} that increased our mortgage amount by $ XXXX/month because of an error on their part. 

The town has acknowledged that the bank overpaid. The bank has acknowledged that they have overpaid. However, the bank has not credited us the amount of the overpay. 

We would like an immediate relief in the following format : 1 ) full refund of overpayment 2 ) interest for the amount of overpayment 3 )  recalculation of mortgage payment Thanks, XXXX
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX You have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting. ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in XXXX vs. XXXX  XXXX XXXX XXXX ( C.D. Cal.Nov 14, 1995 ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act. 
CC : Consumer Financial Protection Bureau CC : Federal Trade Commission XXXX XXXX
Consumer complaint received 2020-11-24
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THE SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-10-26
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX.
Consumer complaint received 2021-05-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (OH)

Santander has violated the consumer protection laws. I am proof of this. 
As you may already know Santander are the prime example of a predatory lender. I have had my car loan with Santander for about three and a half years. I have paid this company {$15000.00} plus I paid a {$2000.00} down payment at the dealership, the car was listed at {$19000.00}. Through my own personal knowledge, I have paid more than 80 % towards interest instead of the principal. I still owe more than {$16000.00} on this car. I have all statements from Santander of my on time and late payments. I understand that interest rates will alway accur but not at this rate. I have missed payments, and I have tried to catch up on my payments, but with this loan there is no way to catch up or even pay it off. In XX/XX/2020, I attempted to catch up on my loan by paying {$1300.00} ( {$650.00} going towards interest ) and another on XX/XX/2020 {$510.00}. At this time on my online account my payoff quote was {$12000.00}, I can not find this in any past statements because they are no longer available in my account. 
I was then laid off for again, came back to work with with less hours. I spoke to someone about this in XXXX. In that process Santander proceeded to contact people who were not on my account at all and they called daily, not just once but continuously. I have never added anyone to my account as person to contact. In XXXX I paid a total of {$1000.00} with only {$310.00} going towards the principal, {$680.00} towards Interest, and {$3.00} for an online payment fee. After contacting Santander because in XXXX our hours were cut again, I am expected to pay {$5600.00}. That will be the entire amount of the purchasing price. 
In recent weeks I have received information about Santander 's lawsuits in regards to their subprime lending practices violating consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowling placed these consumers into auto loans that had a high probability of default. This is what has happened to me.
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

Hi. On XX/XX/2022 I was coerced and scammed out of {$2000.00} total. A man named XXXX XXXX convinced me to send him and his co-workers money. I sent {$1000.00} to his cashier XXXX, {$750.00} to XXXX, and {$250.00} to XXXX. I called Chase Bank on XX/XX/2022 and they were no help. Ive been scammed and this loss of money is detrimental to my health as I need this money to survive. Please get back to me as soon as possible l.
Consumer complaint received 2024-03-02
Product: Credit reporting 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have violated my rightsXXXX15 U.S.C 1681, section 602 A. States I have the right to privacy.

15 U.S.C 1681, Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an 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 for crimes that antedate 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (CA)

These following companies pulled my credit, I do not recognize them, please remove these inquiries off my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-10
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. (FL)

There is an account reporting on my credit report that does not list the name, address, or telephone number of the furnisher it just lists the account # XXXX open date of XX/XX/XXXX, the balance of {$110.00}, and notes that remark that this is a medical debt. According to my research each company that reports to your credit report should provide the consumer with information to contact them.On XX/XX/XXXX I sent a letter to the credit bureau to notify them that this was an unknown account without credit contact however I have not received any response from the credit bureau and the account continues to report inaccurately on my credit report. Please see the attached.
Consumer complaint received 2019-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On Monday XX/XX/19 I tried to access my business checking accounts with no success. Customer service could not locate my business checking and saving accounts, debit card, Tax Id, online user ID. All my information were gone. At the branch they made a phone call and were able to locate ONE of my checking accounts. I was given a case number. I called and they were able to locate my other two accounts. Unfortunately I was told I would not have access to those accounts for 3-5 business days. My online banking was reset and I lost my saved info for the last 10+ years. 

Bank explanation : Internal Error The bottom line : I can not access my own money in my own accounts. 
I still have bills to pay and loans due. I was also scheduled to close on a big expansion for my business. Information were needed from those accounts which I could not access. My expansion loan is now postponed and I might end up losing the whole deal. 
Customer service at the bank tried his best but the system wouldn't let him bring back my accounts. CASE NO. XXXX Please help. This is so wrong.
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc. (FL)

My chapter XXXX bankruptcy was XXXX in XX/XX/XXXX. At the time I also ended by service with XXXX with whom I had been a customer since XXXX. I also returned my phones to a XXXX store and retained the receipt. Flash forward to XXXX of XXXX and a collection amount shows up on my XXXX XXXX credit report from Diverse Adjustment XXXX XXXX Inc stating I owe {$450.00} from XX/XX/XXXX that had not previously shown there. I immediately requested via certified mail proof of debit from the collection agency. 

They only sent me an old XXXX billing statement from XXXX that did not even match the amount they claimed I owed. it also showed I had been being charged sales tax for a county and state I had not lived in for two years Prior. The sales tax state and county did not match my address on the statement. I called sprint on XX/XX/XXXX at XXXX PM. The first person hung up on me, the second cold transferred me to someone else who advised I was being charged for never returning the phones. I advised them I did return them and had the receipt to prove it. I was advised they could not help me any further and I had to go through the collection agency. They also advised they had not properly updated my address in their system completely which was causing them to over charge me on sales tax. I called the collection agency and was advised to dispute it on their website and upload an image of my receipt where I returned the phones. I disputed this with the collection agency was asked and to this date have never received a response and it is still showing on my XXXX XXXX report. I also never received any notification of any debt from the collection agency or XXXX other than just finding it on my own on my credit report. 

I am disputing that I owe this debt I was told by XXXX it was a charge for not returning the phones, and I have proof I did return them. In addition, any contracts I may have signed with XXXX prior to my Chapter XXXX Bankruptcy filing were not reaffirmed and should not be collectable or showing as an open collection on my credit profile per the United States Bankruptcy Code. I am also advising that XXXX as well as Diversified Adjustment Services , Inc. did not follow the guidelines and laws of the Fair Credit Reporting Act by properly notifying of me of their claim of debt prior to furnishing damaging information to the credit bureaus. I also believe this mistake by XXXX and Diversified Adjustment Services, Inc caused me damages by causing me to have a higher interest rate on a loan I received in XX/XX/XXXX as they never informed me of their claim of debit or that any negative information was being furnished to a credit agency.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, The XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX have 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 an 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 2022-04-28
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. (TN)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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 XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX aXXXX XXXX account # XXXX Unknown Furnisher account # XXXX XXXX XXXX XXXX account # 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 XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Experian is reporting that I have one account that is late ( this is Comenity, they are horrifying but I've already filed that complaint ). Experian is noting that I have five ( 5 ) accounts not being paid on time, but only 1 late payment.

This does not make sense. AND, all of my accounts are being paid on time, and as agreed, unless Experian is reporting EARLY payment as " bad '' financial management.

I want the below investigated, as this is negatively affecting my Credit Report : Quote ( and also see attached file ) : Few Accounts Paid On Time You have an insufficient number of accounts that are currently paid as agreed.

Number of your accounts currently being paid as agreed 5 accounts The FICO Score considers the number of accounts showing on time payments. Generally, the higher the number reported the lower the risk. Compared to other people with a similar age of credit history, the number of accounts you have that are currently paid as agreed is low.

FICO High Achievers have an average of 6 accounts currently being paid as agreed.

End Quote
Consumer complaint received 2018-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX continues to maintain Hard Credit Inquiries on my Credit Report that are unauthorized. I have notified each company by mail and phone more than once more than twice. Dates are XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2017 etc. I contacted XXXX Credit Bureau by phone and mail. I was told by XXXX that credit inquiries are FACTUAL, I don't ' know what that means and when asking the XXXX representative the explanation I got was that the credit inquiry had to be authorized by me and that the credit inquiry must remain for two or more years. So my question is if a hard inquiry is not connected to any accounts on my credit report and the same hard inquiries are displaying more than one time, why would that be factual? Please help me. With all these security breaches and Hurricane Florence I have been displaced from my home and now living with family. This is a hardship for me as I am trying to make sure that my credit reports are displaying the correct information.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp. (MD)

The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices. 

Act at 15 USC 1692e 807 False or Misleading Representations, which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
Consumer complaint received 2023-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

A collection that I had no knowledge of and that does not belong to me was falsely leveled against me by Credit Collection Services in the amount of {$150.00} on XX/XX/XXXX, and the amount was updated to {$300.00} on XX/XX/XXXX. The original creditor was XXXX, and I have not opened an account with them either. The account is fraud. Further, I never received a notice of debt. I have filed a police report related to this incident.
Consumer complaint received 2021-03-04
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. (TX)

I sent a letter regarding inaccurate or unknown items on my credit report. To this day over 35 days later I have not received a response yet. these accounts remain on my credit profile unverified and falsely reporting inaccurate information ultimately tarnishing my reputation. I consider this to be harassment and unjust. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items and supply original creditor information within 30 days gives reason to immediately remove those items from my credit report it has been over 35 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 Equifax data breach and may have got into the wrong hands,
Consumer complaint received 2021-09-17
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: Bread Financial Holdings, Inc. (VA)

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.