davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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: M&T BANK CORPORATION (VA)

M & T BANK ACCOUNT # : XXXX!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 

M & T BANK CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. HOW DID THE CLOSED DATE CHANGE? 
THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK M & T DID THIS ON PURPOSE OUT OF SPITE TO DAMAGE MY CREDIT FILE I HAVE PROOF ON DOCUMENT!!! VIOLATIONS!!! 
XXXX & XXXX ARE FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ITS REPORTING INCOMPLETE & INACCURATELY )!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 


XXXX VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. XXXX THERE IS NO CLOSED DATE 2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX VIOLATIONS XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. CHANGED CLOSED DATE : TO XX/XX/XXXX ( HOW DID CLOSED DATE CHANGE? THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK M & T DID THIS ON PURPOSE MAJOR VIOLATION DELETE IMMEDIATELY ( M & T BANK CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 
XX/XX/XXXX CREDIT REPORT XXXX MAJOR VIOLATION DELETE IMMEDIATELY XX/XX/XXXX CREDIT REPORT XXXX ( M & T BANK CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 



2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) 6. PAYMENT FREQUENCY : MONTHLY ( EVERY MONTH ) ( SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF )
Consumer complaint received 2017-12-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TN)

I received a collection notice from Credit Collection Services about a medical bill for date of service XXXX/XXXX/17 when I was a minor. I just turned XXXX in XXXX. Not only that but I have two insurances and my secondary covers the remainder of my services. I want this deleted immediately as I am not reponsible for this debt.
Consumer complaint received 2020-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

On XX/XX/XXXX I took the annual physical exam and as a part of it I took anXX/XX/XXXX test ( XXXX examination, XXXX  ). 
My insurance was supposed to pay for the whole exam but due an error of the company where I took the XX/XX/XXXX( they sent a wrong code of the exam to the insurance company ) they sent me a bill. 
At the moment I received the bill I called my insurance and they explained me what was happening. At that moment, they asked me to wait over the phone and they called the medical company. I had a 3 party conversation over the phone with my insurance agent and a woman from the medical company. After all deliberations, my insurance agent explained us that I don't have to pay for this bill because it was an error of the medical company and at that moment they were out of time to fix that error. The woman from the medical company accepted the explanation. After that call they stopped sending me those bills, but on XX/XX/XXXX they started again sending those bills. I called the medical company again and they told me that it was an error but few days ago, I received a letter from a Debt Collection Company due this bill. I called again the medical company and they told me that they were to cancel the collection process ( they told me over the phone that they just sent the cancellation process ) but it is not true, I just called the collection company and the process is still active. 
Here are all the info I have regarding this : Debt Collection Company : - First Federal Credit Control, INC - Phone number : XXXX Medial Company : - XXXX XXXX ( XXXX XXXX ) / XXXX XXXX, XXXX - XXXX XXXX, XXXX is the company in charge of the billing of XXXX XXXX, and is the one I have been talking. 
- Phone Number : XXXX ext XXXX - XXXX  ( The manager ) - Last invoice received on XX/XX/XXXX - Service taken on XX/XX/XXXX Insurance : - XXXX
Consumer complaint received 2021-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (NV)

On XX/XX/XXXX XXXX XXXX sent in an electronic payment of {$2000.00} to Yamaha motor finance and they as of today still have not applied it to the account and everyday they charge interest on the account.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I have had to change my checking account information for my personal checking account that pays my insurance no credit card with USAA. I have spent hours on r=the phone with them, speaking to multiple representatives and they all tell me something different. They told me my payments were ok and set up but they did not actually set them up properly causing me to get fees and late payment notices. The insurance side set up auto payments but also did not set them up correctly causing my account to go delinquent. It has been a horrible experience and their representatives obviously are not trained to take calls.
Consumer complaint received 2017-12-11
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. (NC)

I have contacted Experian, through U.S. Mail correspondence, to some information they were reporting on my credit report. After the initinal ivestigation they sent me a letter stating they verified the information and it was correct. I then requested any copies or original documentation, ie a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) in four more requests by U.S. Mail signed and notarized stating I was not requesting an investigation since they had already stated they completed one, but again the documentation that is required by law showing what I have previously stated ; each time this was requested Experian would send me a letter stating the information was verified and updated but I was never sent the information requested. 
The last correspondence I received from them was XXXX XXXX, 2017 and again they only stated they completed an investigation and it was verfied and updated.
Consumer complaint received 2020-11-03
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: Experian Information Solutions Inc. (VA)

XXXX denied credit to me on XX/XX/2020 with explanations that not evident on my Experian credit report which they sighted as reporting the information. I have tried to contact XXXX and Experian with the phone numbers provided, but neither company makes contact available to consumers other than automated lines with choices that do not apply to my problem. What recourse do I have?
Consumer complaint received 2017-12-12
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. (CA)

experian has send me my credit report in which i notice that they add credit cards and debts that are not mine and they sending in a difference XXXX XXXX XXXX XXXX. This XXXX XXXX is not mine and that to delete all of that from that XXXX XXXX that all of that debts are not mine, my only direction is in XXXX XXXX only. please check of who that XXXX XXXX belong and to fix my credits.
Consumer complaint received 2017-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (TX)

Please refer to my previous CFPB cases : XXXX and XXXX I want to find out from US Bank that : 1 )  whether i received the {$200.00} cash bonus or not? 
2 ) I have n't received any paper statement. Rather than asking me to reach out to usps ( which i will ) - why not they investigate why the statements or notifications were send to me in time. 
3 ) I never had access to my online account. 
4 ) Apart from these fees - have US Bank also taken any other money from me?
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/2020 I submitted a dispute to Transunions website for an account to be removed from my credit history, which I had submitted additional documentation showing that the original creditor of the account had canceled the debt. The other 2 major credit bureaus have since removed this account from my credit profile. However, I was supposed to receive the results from Transunion and upon calling them on XX/XX/2020, they have told me they never in fact received my dispute submission. I was also told that this occurred because I had a free account, which is illegal for me to be charged to make a dispute regarding anything on my credit report. I was told that I could resubmit another dispute, which is wrong to have to wait another 30 days, then they told me I could send my dispute via mail. Which I have an issue with because electronic submission is supposed to cut out the incidence and of your information being lost or not received.
Consumer complaint received 2021-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

have no recollection of a collection that was placed on my account. I have reached out to the company and waited 30+ days after asking for validation with signatures from my name they never responded, however continue to harassing me and call my phone after business hours. Please remove the collection trans world system inc. XXXX
Consumer complaint received 2017-12-11
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: Louisiana Recovery Services Inc. (LA)

I was given a XXXX XXXX on a child that ended up not being my child. I was placed on child support and it was put on my report. After it was determined the child was not my child, it has not been removed.
Consumer complaint received 2017-12-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (PA)

PNC Bank is charging to cash their own checks. This has been one of their fraudulent activities since ages. It is preposterous for bank to charge to cash their own check and this service of draining money from the average consumer should stop.
Consumer complaint received 2021-10-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

My Mortgage was sold on XX/XX/2021. The new company will not send me a currant bill. Tried multible times on the phone with no resolve tried online nothing. My bill is now overdue and ( had this mortgage for years with another company was never late ) The new company is Freedom Mortgage I need help here as this is a VA loan. Another problem here is I changed my home owners insurance in XXXX for XXXX XXXX dollars less a year XXXX will not reconize this and still wants the XXXX instead of XXXX. I am a XXXX XXXX XXXX XXXX Vet and do not pay real estate taxes. This company had me on hold for 45 minutes on the phone and still could not send me a bill
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I received a notification in XXXX of 2020 that I had a late payment reported on my credit. XXXX XXXX  holds my mortgage and I set up my account for autopay months before that. They had an internal error and did not pull my mortgage payment in XXXX and failed to notify me of the mistake. They reported a late payment on my credit even though it was their fault. I called them and two customer service agents told me that it would be removed. It's still being reported on my credit file and they haven't taken it off yet. It is killing my score and needs to be removed.
Consumer complaint received 2020-11-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (GA)

Im a XXXX XXXX Veteran. I took a Loan out with the Original company named XXXX. In XX/XX/XXXX, A company named SST took over and changed name to SST XXXX. Since that Time, they have ruined my credit. After the first six months of SST taking over they did not report any Monthly Payments the any of the Credit Agencies. I called over 40 times to get this resolved. It never took place. Then Covid-19 hits the country and My family is affected Directly. I call and ask for assistance and they make me send in Medical records for my mother as verification. Then tell me they will let me know within 7 days if I am approved for relief. Then about 3 weeks later I call and they tell me I was approved and I needed to make a payment. I had made a payment on the previous month already. They never gave me the relief and ruined my Credit. Finally when I missed a Payment they reported it to the XXXX XXXX. I settle my account with them on XX/XX/XXXX. They have yet to report to my Credit Report and have not update thier account. This Company is a FRAUD AND NOT LEGIT. IT IS A RIPOFF AND SHOULD BE INVESTIGATED! 


XXXX XXXX XXXX XXXX XXXX VETERAN
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bankruptcy # 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. 

I have asked Experian and XXXX for proof that this Public Record belongs on my file, with absolutely no response! 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that experian and XXXX feel as if they are above the law. 
luckily I kept PDF copies of the letters. 
I would really aprerciate the CFPB 's help with this matter
Consumer complaint received 2021-10-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The account from XXXX XXXX is incorrectly reporting as " open '' : on my credit reports. This is not an open account and this account should be reporting as closed. This needs to be fixed immediately as it is severely affecting my credit and causing adverse actions due to incorrect information. Per the FCRA this must be fixed and accurately reported. In addition to this XXXX XXXX sent me an application as proof that clearly has no signature on it. Meaning that this application was not fully completed and they refuse to acknowledge it. 

The other primary issue is that the account from the creditor " XXXX XXXX XXXX '' remains UNVERIFIED and UNVALIDATED after multiple requests for validation I have sent to them. They have ignored multiple request and have sent me absolutely no proof that this debt is mine. This account I ask that you thoroughly review and delete. I requested validation more than 30 days ago. They keep saying they are emailing and mailing documentation but that is a lie. I keep providing the correct email and physical address and receiving nothing. They are lying to cover themselves and that is deceptive.
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

On XX/XX/2020 We contacted Cardinal Financial Company to start the process of refinancing our mortgage. The terms of the loan were acceptable and we agreed to proceed. We were given a rate of 2.875 % and points of 0.194 % with a no-fee rate lock until XX/XX/2020. We used the company 's webservice " XXXX '' to submit and respond to all request for documentation, always within 48 hours. The process was extremely slow and inefficient due to various departments working remotely from home. The title company being used also had major delays due to two hurricanes hitting the Gulf Coast where they were based. As a result, through no part of our own, the loan did not close before the rate-lock ended. Cardinal Financial began extending the lock week by week and charging us a fee. After several conversations with our loan originator, we were told not to worry, that the added fees would be adjusted upon closing. Unfortunately, by the time closing was ready, XX/XX/2020, the points were adjusted from {$670.00} up to {$2400.00} and a lock-extension fee of {$190.00} was added. We were exhausted with the process and needed to close, so we signed.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (AZ)

XXXX ordered a quilt from XXXX for {$47.00}. I did not receive the quilt, instead they sent a drapery panel. They will not credit me checking account until I send back the drape I did not oder. I advised I am high risk and do not leave the house. They are holding my money hostage. I opened a billing dispute with Chase Bank and they will not credit my account because I received a drapes. I made a transaction in good faith. I did not receive my merchandise
Consumer complaint received 2020-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

I have an auto loan with Ally Financial that is paid by my son. I live in XXXX, he lives in upstate XXXX. Over the past few months there have been payments made that were returned for insufficient funds when in fact there was more than enough money in the account to cover the payment. Most recently I set up an auto-pay account so that Ally will take the payment out on the due date. The payment ( {$550.00} XXXX was made on XX/XX/XXXX and acknowledged by Ally. 9 days later it was returned for insufficient funds. There was over {$600.00} in the account at the time of the payment. In addition as of this writing the money has not been returned to my sons account. Ally blames XXXX XXXX, XXXX XXXX  blames Ally. In addition I have receipts for electronic transfers made in XXXX, XXXX, XXXX, XXXX and XXXX of this year. XXXX XXXX  says the money was transferred, Ally says they never received it and those transfers do not appear on the Ally transactions sheet. Again they each blame the other and none of those funds were returned to my sons account. Those lost funds have resulted in over {$3600.00} in additional payments for payments that were already made. They have also destroyed my credit rating in the process. Numerous attempts to resolve these issues with both banks were unsuccessful.
Consumer complaint received 2023-01-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I would like to request proof of original debt in addition to the original contract that I signed, including providing billing statements for the last several months and the original contract I signed when opening the credit card account with XXXX
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (TN)

I had an account with Navy Federal Credit Union, account ending in # XXXX. 
I used the card as credit option, therefore I should've had the protection as if visa/Mastercard promises coverage. On XX/XX/XXXX, I made a very large purchase for over {$4000.00}. I never received delivery. I contacted & filed paperwork with your union numerous times to no avail. This is also after I tried to reach resolution with the company directly. I have NEVER received any communication or follow up from Navy Federal. Ridiculous! This is why I no longer actively use this union. Follow through & return my money! It is XXXX XXXX  for the exact amount of {$4400.00}. I have tried to be patient due to distance, COVID-19, etc ... but enough is enough. My next step is to also file a complaint against the union. See attachment of receipt showing payment in full. Invoice # XXXX, order # XXXX. The actual purchase was made on XX/XX/XXXX & delivery scheduled for XX/XX/XXXX. Delivery never happened. I contacted the company, the warranty company which charged {$190.00} for coverage, the XXXX XXXX XXXX & filed claims on multiple occasions totaling 23 times beginning the first week of XXXX. I have not received any resolve from anyone & only received " there is nothing I can do '' on all fronts. I want my money back since it is fraud to charge for what is never received in good faith. Horrible way to treat veterans. I still have not received any help or answers from NFCU even after contacting hem yet again yesterday morning. 
Shameful. 
XXXX XXXX