davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
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. (FL)

Upon checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: M&T BANK CORPORATION (MA)

I am unable to log into my mobile banking app. When working with M & T bank to solve the issue they told me that they were having problems confirming my identity in their records, but after confirming my identity in-person at the branch I was still unable to log into mobile banking on my phone.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2020-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (CA)

I purchased a XXXX in XX/XX/2020. XXXX XXXX XXXX XXXX gave me paperwork stating my balance was being financed by Ally Auto, however my registration said XXXX XXXX XXXX. The first payment was due on XX/XX/XXXX. I setup autopay. I cancelled the Gap insurance and Maintenance contract from Ally Auto Bank. Ally supposedly sent the Gap payment to the dealer. I had filed a complaint with the XXXX XXXX for the Gap since it 60 days. XX/XX/XXXX I was informed from XXXX XXXX that my autopay was cancelled due to the bounced payment from Ally Bank. So their excuse was that a bounced check voided my autopay with a totally different account. I paid the charges as well as the payment and one additional payment to offset so I can restart the auto pay. I will have to wait to be able to do so. The Ally Bank told me they paid XXXX XXXX XX/XX/XXXX. XXXX XXXX told me they received the payment, however they waited 68 days to inform me that the check received from Ally Bank bounced and ensuing charges were due. They informed me that it's up me to contact Ally Bank. I will not contact them again one blatant lie is unacceptable to me personally. I would have already obtained legal counsel by now I'm at risk XXXX so I'm not making any new face to face contact from unknown entity. XXXX XXXX   has all my personal information I only have the initial billing which I generated the autopay with. No contract from them which I requested. I'm still waiting for that contract so I could take to my credit union to take out a loan at a much lower rate and they are locally based. I gave the dealer XXXX in cash which should have facilitated matters. As of now XXXX is owed to me outstanding for those purchased services and no response from Ally Premier Protection.
Consumer complaint received 2018-06-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TIDEWATER FINANCE COMPANY, INC. (GA)

I bought furniture from XXXX XXXX XXXX in XX/XX/XXXX. My credit access is frozen because my wallet has previously been stolen. ( I have Excellent credit ). To make things easy the salesperson used Tidewater Finance.

I had planned to make 3 payments over 3 months to pay off the credit line. I was trying to keep my great credit score by borrowing and quickly paying off the credit line. 

On XX/XX/XXXX I wrote an electronic check for {$1000.00}, but oops I extra zero and I sent them {$10000.00}. That check cleared the bank on XX/XX/XXXX. I contacted them as soon as I realized it ( within 15 days ). I  have since had my request for a refund escalated to a supervisor w/ no response. Today they told me that I requested my most recent escalation in XX/XX/XXXX and I would need to wait another 45-60 days from that date ( working days only ) before they would issue a refund. They charge 31.99 % interest on balances not paid by XX/XX/18. I had a credit line for {$3000.00}, I overplayed, by accident, {$6900.00}. They have backed my refund since XX/XX/XXXX and now tell me it will be XX/XX/XXXX or XX/XX/XXXX before the refund is issued.
Consumer complaint received 2020-10-06
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2021-04-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/XXXX i talk to one of the customer representative about my son 's account because his account has low balance. need to pay for withdraw fees from his account to cover the fund that's he use 'total is XXXX in XX/XX/XXXX XXXX i speak to one of the customer representative her name is XXXX she say they will refund XXXX dollars back to my son account! but today i found out they didn't did it even talk to the supervisor XXXX and the answer still no the bank doesn't responsible for this. What a joke why one people said OK turn around the another people say no what is the bank promise cheating the customer.
Consumer complaint received 2020-03-24
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: CITIBANK, N.A. (IL)

I have been going back and forth with the credit bureaus about an account reporting on my credit report. It is for CITI Bank Credit Cards. I PAID FOR A DELETION and they are still reflecting on all 3 reports. They have it displayed as a Chargeoff/Collection/Settled for less than owed and that is not fair because I paid them to delete it off my credit reports entirely. They are reporting unfairly and incorrectly and it is an error they are reporting at all. I also want to submit a complaint against XXXX XXXX because they are reporting a late payment for 5 years ago in XX/XX/XXXX and they will not give me proof to verify this and do not respond to my written communication. Lastly, my last complaint I would like to submit is against XXXX  because XXXX is reporting 2 " XXXX  XXXX XXXX '' inquiries in XX/XX/XXXX without my permission! XXXX  won't provide me with any information regarding these inquiries and I would like to report them.
Consumer complaint received 2023-06-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2018-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MD)

Last week, I received a collection notice from RMCB ( Retrieval-Masters Creditors Bureau , Inc. for payment for two services from XXXX XXXX XXXX XXXX dated XX/XX/2015 and XX/XX/2015. I knew of no outstanding bills. I contacted XXXX XXXX. They could not find or identify the account numbers noted on the RMCB invoice and further confirmed I have no outstanding payments. Concerned about the 2015 dates, I researched the company online. After learning RMCB has a track record for issuing invoices for money not owed, I chose not to contact them and provide any additional personal information. Hopefully this may help others to check before sending payment.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (MD)

Some one open up checking account from US Bank without my knowledge there was a debt card inside it was for unemployment the letter came from the State of Colorado Idid n't apply for unemployment benifits This is a case of fraud I did not open up any checking account from US Bank This checking should be closed.
Consumer complaint received 2020-05-11
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: EQUIFAX, INC. (MD)

EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Consumer complaint received 2024-03-16
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

In XX/XX/XXXX, I purchased a sofa set with Raymor and Flanagan for {$900.00}. Shortly after the purchase ( XXXX XXXX ), one of the legs broke. I called to file a complaint several times and received varying responses over the phone with Raymour and Flanigan, including that someone would be sent to repair the object, that I needed to send photos to a link that I never received and that the merchant would be contacted to determine whether a new piece could be obtained for the damaged product. 

I had to contact Raymour and Flanigan several times to follow up when nothing was done. Each time I reached out, I had been told that there was no record of having made a complaint. The first record of my complaint was made in XXXX, XXXX ( more than one year after I first complained ). Finally, once my warranty on the item expired ( XX/XX/XXXX ), Raymour and Flanigan informed me that the merchant did not have a piece so nothing could be done. I purchased a sofa. There is no reason that I should have to replace it within a year or even two years. As a customer, I find it absurd to be told that there is nothing that can be done. So I have to buy a whole new sofa?

Being that I am on a payment plan for this item, I am paying through TD Bank. I files a complaint with them, which ended in favor of the merchant. Additionally, after calling Raymour and Flanigan about the amount that I am being charged with TD bank, it turns out that TD Bank is charging me more for the items that I purchased than Raymour and Flanigan is. When I asked TD bank about it, no one could tell me the reason because the system did not show the purchase history, since it was too far back. So am I expected to just pay my money toward something and no one knows what it is that I am paying for? Absolutely unacceptable. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I was the owner of two XXXX Nissan XXXX 'XXXX Both were Totaled due to accidents One was totaled in XX/XX/XXXX and the other in XX/XX/XXXX The vehicle totaled in May still shows a balance on my credit report of {$1500.00} When I contacted Nissan for them to prove the Debt they told me they would not provide any information and keep sending me to a collection agency whom also can not prove the validity of the Debt Furthermore when a new car was purchased the new dealership rolled any negative equity into the new loan payment and also a large cash deposit was made to reduce the negative equity I have never received any information from Nissan proving the validity of the {$1500.00} debt owned to them on my credit report NMAC ACCT # XXXX VIN # : XXXX {$5700.00} WAS PAID TO NISSAN MOTOR ACCEPTANCE IN XX/XX/XXXX I have contacted Nissan several times and they will not provide any information to verify the Debt
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

NY and CO charged me a late fee after my payment posted to my account. They refuse even to the CFPB to the CFPB during a pandemic and will not help me. They are being rude and callous and I would like assistance in getting this late fee refunded. I have asked nicely and no one will help me, and can not believe a bank that I have done business with can treat its customers in this manner and will not refund a {$24.00} late fee that they imposed on my account AFTER my balance was at {$0.00}. There is a global pandemic going on, mail has been missing and late- and I NEVER received a statement and paid my account in full, and was not late in making my payment. It was posted and cleared my bank in the window. This is so troublesome that this bank is committing fraud during a pandemic and refuses to refund or waive an erroneous late fee on a {$0.00} account. 

If they do not help me I will be forced to escalate this case with all documents of not receiving statement and the pandemic to other federal agencies.
Consumer complaint received 2017-05-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (CA)

Hello, my name is  XXXX , my identity was stolen back  in 2011, about two weeks ago a collection from " MIDWEST RECOVERY SYSTEMS '' shows up on my credit report ( s ), and it is not mine, they claim it was from a payday loan taken in 2011  and that I should " just pay it '', I will NOT pay for something that I did not do! It was a result of ID theft! I want this removed from my credit reports! I hope someone sees this that can actually do something about my problem.
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (WI)

I lived in XXXX XXXX, Iowa in XXXX. I incurred debt to XXXX  XXXX  XXXX  during my time there. Diversified Adjustments is a debt collector agency which claims my debt is from 2019! This is clearly in error and against the law to show on my report. XXXX  does not show this mark account at all. I will even concede that I still owe even though I know I paid this. I must have lost the receipt. Please honor logic and change the account open date to sometime close to when I lived in XXXX  XXXX  XXXX.
Consumer complaint received 2023-02-07
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. (IL)

XXXX XXXX account number # XXXX XXXX XXXX account numberXXXX XXXX account number # XXXXXXXX XXXX XXXX  account number # XXXXXXXX XXXX XXXX  account number # XXXXXXXX XXXX XXXX  account number # XXXX 15 USC 1681 a ( 2 ) ( a ) ( i ) ( 2 ) ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I have the POA for a friend and have been monitoring her bank statements. Over the last year there has been an auto-payment every month to Citibank. We do not know what the payments are for since she receives no statements from Citibank only notifications of the next payment due. 

We tried to access the account online, but was told that the account was locked. We then called them to unlock the account. After repeated attempts during which we were told that there was a " ghost ID, '' we were unable to have them unlock the account for us. Instead they offered to read us the charges against the account, but the line went dead and we received no further information. 

We are afraid the card has been stolen and the charges are fraudulent, but Citibank does not care.
Consumer complaint received 2020-10-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (SC)

I have a loan with Toyota Motor XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and Toyota Motor XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 120 days late
Consumer complaint received 2024-03-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I received a notification from my credit monitoring stating that a new collection account was added to my credit reports. On XX/XX/XXXX, I sent a certified letter to the company, but they completing ignored me. On XX/XX/XXXX, I sent a follow up certified letter to the company, again they have completely ignored me, and continues to report this unverifiable and unvalidated debt on my credit reports. 
I am demanding that they close this account in their office and remove it from my credit reports as it is severely damaging my credit and my integrity. It also has gotten me denied for credit.
Consumer complaint received 2021-03-01
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: CL Holdings LLC (CA)

Im reporting Jefferson Capital Systems XXXX XXXX XXXX, XXXX XXXX XXXX XXXX My name is XXXX XXXX and there reporting I owe XXXX from an account that is not mine and I have no recollection of this account or where this came from I contacted and spoke to a representative about this issue and they admitted on a voice recording that they dont have proof to show that I owe this debt now under law and the fair credit reporting act Im requesting that they remove this account from my credit if they dont have proof that this is mines and they admitted also on recording they dont have proof which is breaking the law.