davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: M&T BANK CORPORATION (NY)

The name of the bank is suppose to be m and t bank instead on my XXXX credit report it lists at manufactures and trades. There is no contact information for this creditor on my XXXX credit report.
Consumer complaint received 2023-01-11
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. (NV)

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 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 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 2022-08-12
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: Experian Information Solutions Inc. (MO)

I previously sent a letter addressed to the Credit Bureaus dated XX/XX/2022 requesting that the Credit Bureaus investigate and correct the statuses of the disputed accounts from my Credit report. I have also been sending letters before the said date and have also been expecting for the Credit Bureaus to respond but the Credit Bureaus never stopped to disappoint me. Under the FCRA section 609 and 611, the Credit Bureaus are required to validate the status of the disputed accounts. I am now submitting this complaint as a means to communicate with the Credit Bureaus and to inform them that if the Credit Bureaus are not able to correct the Accounts, I would highly appreciate it if the Credit Bureaus opted to remove the disputed accounts from my Credit report : XXXX XXXX Balance : {$0.00} USDOE/XXXX XXXX Balance : {$0.00} USDOE/XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-11-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My capital one card was a secured card of my own {$250.00}. I tried to get a car rental at XXXX which was the last transaction on that credit card and i was denied the transaction due to insufficient funds. The rental was over {$1000.00} i tried called capital one to raise my Credit since i had added funds to the account. I believe it was 600 or so. Trying to raise my own credit not knowing it didnt work that way ; so i ended up paying cash for the rental the thousand and change dollars all cash. So i have no idea why or how my credit limit # 1 was increased when after i was denied the credit raise i asked for The card to be closed. Now i have a {$800.00} + debt for no complete reason and i have no way of figuring out who was the agent at enterprise that took my transaction.
Consumer complaint received 2023-01-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A. (OH)

On XX/XX/2023, I visited PNC BANK to extend credit in relations of purchasing an automobile. I informed the teller that I wanted to first deliver my disclosures, and to exercise my Rights under 15 USC 6802 ( b ) before completing the credit application. I explained that I was opting out from having all non personal information of mine being shared with any non-affiliated third parties. The teller then informed me that I would not be able to complete this transaction because its company policy that my non personal information will be shared with non-affiliated third party 's. The teller informed me that it is company policy to share my non personal information to the consumer reporting agency 's, which are non-affiliated third parties to this transaction. At the conclusion of this conversation, I Informed the teller that it is my federal Right to opt out from having my non personal information disclosed and I should not be denied the opportunity to do business with this financial institution because I have exercise this Right. The teller stated that he is sorry, but he must uphold and follow company 's policy first. I then informed him that company policy is not law, nor does company policy trump/supersede federal law. I was then asked to leave the facility by the teller and I was escorted outside by the security guards. CFPB, please assist me in this matter, I was denied services because I chose to exercise a federal Right under law. A consumer should not be denied service because they're choosing to exercise their Rights, this is discrimination. Please help assist, Thank you.
Consumer complaint received 2022-01-08
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-11-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (WI)

When I signed on with Speedy Cash, I was in the throes of my XXXX  to XXXX. I had trouble paying it off because I 7 other payday loans out there. I never received my loss suit papers because I was in jail for 145 days. Two weeks ago I got a garnishment order from my employer. I don't think this right for them to garnish {$250.00} out of every paycheck. Or is it? This loan was taken out in XXXX of 2018 and they never sent me one bill reminding me of my obligations to them. I need that money to live on because I am on a fixed income due XXXX
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

Allyauto does not report monthly payments to a credit report company. The last payment reported was in XX/XX/2020. I called Ally to ask why it is not reported and did not get any clear explanations.
Consumer complaint received 2018-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (OH)

I opened an American Express Delta Gold card on  XX/XX/XXXX.

I set up automatic payments on XX/XX/XXXX. When I set this up, it was not clear that the payment would not be automatically made for the next payment ( due on Sunday, XX/XX/XXXX ).

I checked my account of Monday, XX/XX/XXXX and noticed a {$27.00} late fee. I immediately paid the amount manually and reached out to American Express via the messenger app and they agreed to waive the late fee. They said in the fine print, it said that automatic billing would not take effect until the following billing cycle. 

The next statement had a {$45.00} interest charge. I again reached out to American Express, explained the situation and they said they would not waive this. I then said it seemed wrong to waive the cheaper late fee ( {$27.00} ) than the interest charge ( {$45.00} ). Then they agreed to waive the {$45.00} interest charge. This was a phone conversation that occurred on XX/XX/XXXX. This representative agreed to waive the interest charge verbally. 

I looked at my statement today ( XX/XX/XXXX ) and realized not only did they not credit the {$45.00}, they also charged me an additional {$4.00}. I called American Express today ( XX/XX/XXXX ) and they said the credit of the interest charged ( {$45.00} ) was later declined. Also, they said the {$4.00} was residual interest. I went ahead and cancelled the card. 

Here is the really frustrating part. The annual fee is {$95.00}, but is waived the first year. With all these fees, I ended up paying almost 50 % of this fee in the first three months of having this card. While this all started with the automatic payment setup, it feels the fees and treatment of this situation is ethically wrong. It seems as though American Express should make this explicitly clear during automatic setup that you must manually pay the first month. And the fact that they waived the cheaper option ( late  payment ) than the interest charge feels wrong. In the three months of having this card, I was charged a fee on each statement. 

I hope this can help others in the future. I am a customer that wants to make my payments on time. I am not sure why this was so difficult. Thank you.
Consumer complaint received 2023-02-03
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. (IL)

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 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
Consumer complaint received 2019-11-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (FL)

I have written a letter to this debt collection agency Deville Asset Management on XX/XX/2019 to confirm the validity of this debt they are claiming owed in the amount of {$7500.00}. The letter was returned to sender, which is myself. I had requested that they sent me all the required notices that were supposed to be properly and timely given. I request that they provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. Also to please provide copies of the original contract of purchase of vehicle, notice of intent to sell motor vehicle, notice of redemption letter with proof provided in a timely manner for an opportunity to purchase vehicle back, Notice of deficiency including written accounting of remaining principal and interest plus resale fees. I sent it to the address that appears on my Credit Report as associated with this debt collector. But it wasn't able to be delivered. I believe that the information provided is not only invalid but that they have illegally reagged this account so that they can report it to credit bureaus in an attempt to collect a debt that is not owed to cause harm towards my credit. As they continue to report this invalid claim is considered to be a violation of the FDCPA and FCRA.
Consumer complaint received 2019-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc. (FL)

I was set up on a payment plan to have {$100.00} taken via ACH every two weeks. At the time that I made the payment arrangements I was told there were 5 debts in collections and the amount that I was paying was for the debt and collection fees. The debts that I agreed to pay were from XXXX, XXXX and XXXX. I did not authorize any other debt than these specific dates to be settled through the payment plan. I continued to pay the biweekly amount which was supposed to end on XX/XX/XXXX. Following XX/XX/XXXX, I noticed that there were additional payments withdrawn from my checking account past the agreed upon payment plan. A total of 3 extra payments were withdrawn. ( I filed a fraud charge with my bank and the 3 payments were reversed after investigation ). These debts despite being paid are still showing up on my XXXX  credit report as being unpaid. I contacted the company and confirmed that the payments had been applied. Why is this debt not being reported as paid? I also asked for invoices for the collections and have yet to receive anything. They have my current address.
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

I was in a covid forbearance program and have resumed payments. This company has locked me out of my web account and will not answer their phones. I've tried over XXXX times to call XXXX different phone numbers and can not get help. I finally received a loan modification packet and returned it. I started and completed XXXX trial payments and was awaiting final loan mod paperwork when I received XXXX separate letters of " Intent to foreclose '' THIS LOAN IS NOT IN DEFAULT.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (AZ)

I haven been trying to withdraw my account balance from Gemini for over 3 months and have been unable to because I need to verify my account even though I have already provided them sufficient information.. pretty much everything other than a picture of my ssn card which I do not feel comfortable sharing and disclosed with them I would be willing to share any other type of information including an additional photo of my passport. They do not answer my repeated attempts to get a hold of them through email, social media and I have grown very weary of whether I will ever be able to receive my money that is sitting in the account.
Consumer complaint received 2021-04-02
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. (GA)

I've reached out to the credit bureau regarding the inaccurate information that is appearing on my credit report as a result of my identity being stolen. Ive reach out to XXXX, Equifax & XXXX and my complaints fell on def ears. The following accounts are a result of my identity being compromised. I never given anyone permission to use my name and social for anything. 

1. XXXX XXXX {$310.00} 2. XXXX XXXX {$440.00} 3. XXXX XXXX {$600.00} 4.XXXX XXXX {$990.00} 5.XXXX & XXXX {$830.00} 6 . XXXX XXXX {$720.00} 7.XXXX XXXX {$1000.00}
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, The credit bureaus have been misreporting my accounts on credit reports. 

I have started to dispute the bad information in it and I demand that you send me a response within the next 30 days of the status of my disputes and that they also correct / erase all errors in my report
Consumer complaint received 2019-02-26
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: EQUIFAX, INC. (MD)

For the following accounts, Someone went into my trash. and opened an account using my information. I never did this, please remove ; XXXX XXXX for {$270.00} XXXX XXXX  for {$180.00} These do not belong to me, have the bureaus take them off please.
Consumer complaint received 2019-02-26
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)

unauthorized inquiries on my credit report Inquiry 5 Inquiry Date XXXX - XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX Creditor Address XXXX XXXX XXXX XXXX AZ, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 6 Inquiry Date XXXX - XXXX Creditor Name XXXX - XXXX Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX - - Creditor Phone XXXX - - Inquiry 7 Inquiry Date - - XXXX Creditor Name - - XXXX XXXX XXXX XXXX - - - Creditor Phone - - - Inquiry 8 Inquiry Date XXXX - - Creditor Name XXXX BANK - - Creditor Address XXXX XXXX XXXX XXXX PA, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 9 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 10 Inquiry Date XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 11 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX NY, XXXX - - Creditor Phone XXXX - - Inquiry 12 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX IL, XXXX - - Creditor Phone XXXX - - Inquiry 13 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX PA, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 14 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 15 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 16 Inquiry Date XXXX - - Creditor Name XXXX XXXX   XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX FL, XXXX - - Creditor Phone XXXX - - Inquiry 17 Inquiry Date XXXX - - Creditor Name XXXX XXXX  - - Creditor Address XXXX XXXX XXXX XXXX XXXX NY, XXXX - - Creditor Phone XXXX
Consumer complaint received 2019-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature
Consumer complaint received 2021-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are three accounts that are on my credit report that do not belong to me I need to know why these are onn my credit report and why after sending 4 rounds of letter s for dispute I have not receieved anything back from the bureaus I have even opened an FTC for these accounts and yet they are still on my report. This is identity theft and I need this taken care of asap.
Consumer complaint received 2021-09-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

During Covid which started XX/XX/2020 I signed up for forbearance and was accepted and than 3 months later in XXXX I had to reapply and thats weee the trouble began because than they needed all this proof that my mother passed away and left everything to me her only child, and they just really gave me a hard time, I have Mr. Cooper for my mortgage company, it took them probably around 2 months to finally extend my forbearance and during that time I was getting phone calls everyday from Mr , Cooper about needed to make a payment, and now that I try once again to extend my forbearance or either to do a loan modification its an issue again, I really feel as they just want to take my home from me because they will not help me with anything
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have had a very difficult time with Select Portfolio Servicing ( SPS ). I recently was unemployed for about 6 months. I am back to work and applied for a modification. I was never able to communicate to the same person which always caused confusion. SPS always seemed to lose my paperwork, which I constantly had to re-fax. After about 6 weeks, I was declined for a modification. SPS told me they would not allow me to do a modification. And the investor said the same thing. I have NEVER had a modification and this is the first time I have had any problems with making my mortgage payment. I can not believe that SPS is not willing to help a homeowner who is over the hardship. How can I be denied for a modification, when I have never had one?
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I HAVE SENT IN MULTIPLE DISPUTES FOR THIS COMPANY TO UPDATE MY PERSONAL INFORMATION. THE INFORMATION THEY HAVE IN THE SYSTEM FOR ME IS INACCURATE AND FALSE!
Consumer complaint received 2021-04-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (NY)

Affidavit of Truth was sent out to Sunrise Credit Services Inc, on XX/XX/2021. 

A response hasn't been sent. On XXXX XXXX a Notice of Default and Opportunity To Cure was sent out.