davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (MS)

In XXXX of XXXX we opened a XXXX  with XXXX Bank in XXXX, XXXX XXXX Bank was subsequently bought by XXXX Bank , which was subsequently bought by XXXX XXXX XXXX XXXX , and then in XXXX of XXXX, by M & T Bank which assumed the XXXX. On XX/XX/XXXX, after having had a XXXX balance on the XXXX  for about XXXX  years and prior to the sale of our house, we went in person to M & T Bank and closed the account, paying a {$180.00} fee to close the XXXX. On XX/XX/XXXX, we were victims of an internet fraud at which time our savings account was robbed of {$8000.00} by a wire transfer and our closed XXXX  was accessed and charged {$10000.00}. It should not have been possible for the XXXX  to have been accessed since it had been closed by us in person at XXXX M & T Bank XXXX in XXXXXXXX XXXX some XXXX weeks prior to the crime occurring. Yet M & T Bank held us liable to the debt and we had to pay them {$10000.00} at the closing on our house after it was sold.
Consumer complaint received 2022-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (PA)

Respectfully disputed debt collection that is not mine feel that this debt that midland funding is now after 5years has opened a class G collection against me severely damaging my Credit is unjustly being waged against me as a consumer this account is fraud I ask that the account be resolved expeditiously as to not impact my Credit Records I have allways paid debt off when the accounts were legally my responsibility and this account with Midland Funding Does not belong too me and I feel I am unjustly been given unfair debt added on my Credit Reports . Ive made good faith efforts too resolve the matter without any response from this agency the company has repeatly lashed out at me in a negative manner.
Consumer complaint received 2021-09-17
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. (WI)

On XX/XX/2001 I received a notification from Experian credit monitoring that XXXX  XXXX/XXXX  XXXX pulled my credit. I did not authorize this to be done. I did not apply for credit with this company.
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

THE ACCOUNT IS INACCURATE AND I DID NOT OPEN I ATTEMPTED TO DISPUTE FROM MY CREDIT REPORT WITH ALL 3 CREDIT BUREAUS AND DEBIT COLLECTOR ITEM IS REALLY DAMAGING MY CREDIT REPORT AND MY CREDIT JOURNEY
Consumer complaint received 2020-11-05
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: ID Analytics, Inc. (LA)

I want to report that somebody has used my identity to open accounts in my name without my consent, this report is produce to dispute these fraudulent accounts, that has damage my credit record, Please note these incident for future references.
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (FL)

I transferred money from my bank account to Remitly. I got scammed and I wasn't aware of it at that time. I attempted to resolve the matter directly with Remitly but they were not cooperating.
Consumer complaint received 2022-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (OH)

I was told by the company manager that my payment history that is reflecting interest fees is their process. However, the loan that I apply for does not have interest fees until 18 months that was associated through the company XXXX XXXX.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reviewed a copy of my credit report and I show company XXXX  ( Original Creditor : XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have reviewed a copy of my credit report and I show company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
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: AMERICAN EXPRESS COMPANY (NJ)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-01-10
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. (NC)

TransUnion continues to falsely report account information despite direct dispute with them. The bank institution has verified my dispute as legitimate but TransUnion fails to correct the issue. 

My account with XXXX XXXX XXXX XXXX has been paid in full and closed since XX/XX/2021. I have provided the final statement to TransUnion but never get a response or it will say verified as accurate when it is not.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I recently paid plan for credit protection & what I basically reported XXXX credit monitoring with XXXX XXXX its was fine on all accounts accurately XXXX, XXXX, XXXX now all of sudden 44 point drop outta of nowwhere without any explanation telling why did it exactly drop, Im starting to think these credit scores system is being hack for no reason.
Consumer complaint received 2018-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I tried to use Transunion 's online dispute form, but it didn't give me any option to dispute a fraudulent credit inquiry. It gave me the option to request an investigation into the two credit cards I actually own, but I have a credit inquiry using my maiden name and old home address ( from before college ) that happened a couple weeks ago that was not me. 

Transunion doesn't give me the option to get that removed from my credit report. I need the XX/XX/2018 inquiry from XXXX/XXXX XXXX removed from my credit report completely because I did not initiate that inquiry. 

I called Transunion and selected the " Fraud '' option. It didn't connect me to a person. I had to listen to a very long sales pitch about credit monitoring for $ XXXX/month, and when I selected that I wasn't interested, I heard an even longer recorded sales pitch for the same service. Absolutely unacceptable for a credit bureau when I'm trying to get fraud resolved. I was able to post a fraud alert, but was offered no help removing this inquiry. 

I've reached out to XXXX as well to ask them to help resolve the issue.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CITIBANK, N.A. (FL)

CITI BANK REFUSED TO SENT ME SECURITY DEPOSIT OF {$200.00} I SIGNED CHECK FRAUD LETTER THAT I NEVER CASHED THAT CHECK ON XX/XX/2019 CHECK # XXXX AND THEY STILL DON'T WANT TO REFUND THE {$200.00}
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account Numbers # XXXX XXXX # XXXX, Amount : {$6100.00} XXXX, Action : I Filed dispute, & returned their possessions XXXX XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX, Action : I Filed dispute, & returned their possessions XXXXXXXX/Dept of ED # XXXX Amount : {$2000.00} XXXX, Action : I contacted them* XXXX XXXX # XXXX Amount : {$560.00} XXXX, Action : Closed account returned device. 
has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-03
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. (NV)

I submitted a formal request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests from XXXXXXXX and XXXX. I do appreciate Equifax responding to some of my concerns but there are still some inaccurate items that need to be resolved.
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (TN)

I checked my credit reports, and noticed that Receivable Management Services, LLC was listed as a debt collector. They showed on my reports that I owe {$130.00}. I sent them a certified letter to validate the debt that they received on XX/XX/2021. They sent me a final bill from XXXX XXXX XXXX. I CURRENTLY HAVE XXXX XXXX XXXX insurance, and I called them, and informed me that they do not have any records of me owing them. I sent Receivable Management Services, LLC another certified letter that they received on XX/XX/2021 letting them know that they did not validate this debt. They just sent me yet another copy of a final bill from XXXX XXXX XXXX.
Consumer complaint received 2018-12-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Not a complaint but a question : I currently have a safe deposit box in the XXXX XXXX Branch of Santander on which my 2 out of town sons are co-signers. Because the branch is closing, I have to open a safe deposit box in another branch in XXXX XXXX. I have been told that in order to have my sons on my account, they have to be there in person ( at the same time ) in order to sign which is not possible. My question is whether this ruling is a federal or state law or whether it is simply a requirement of Santander. My feeling is that since I am being forced to close my safe deposit box which I have had since 1968, that Santander should move the signature card to my new account. They won't even consider having the signatures on the card notarized by my sons in XXXX and XXXX. 

I would appreciate your advice on this matter. 

XXXX XXXX XXXX
Consumer complaint received 2018-10-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hard Credit Inquiries on my XXXX and XXXX Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with Capital One on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met XXXX AND XXXX : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. XXXX and XXXX continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

*****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked XXXX and XXXX to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that XXXX AND XXXX INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of XXXX AND XXXX
Consumer complaint received 2023-03-21
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: TD BANK US HOLDING COMPANY (NV)

reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * 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 NORDSTROM XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account Numbers # XXXX XXXX # XXXX, Amount : {$6100.00} XXXX, Action : I Filed dispute, & returned their possessions XXXX XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX, Action : I Filed dispute, & returned their possessions XXXX/Dept of ED # XXXX Amount : {$2000.00} XXXX, Action : I contacted them* XXXX XXXX # XXXX Amount : {$560.00} XXXX, Action : Closed account returned device. 
has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-27
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. (GA)

It has come to my attention that there has been a compromise regarding my credit with your institution. I have been made aware that despite being accompanied by an FTC report # XXXX, you have neglected to remove certain items. It is imperative to emphasize that under section 605b of the FCRA, you are legally obligated to expunge accounts determined to have been opened through fraudulent means. The disputed accounts in question were initiated without my authorization. Enclosed herewith is the requisite FTC Report bearing reference # XXXX. I urge you to promptly eradicate these accounts. Failure to furnish records and insistence on the validity of these items will compel me to pursue legal action. Neither I nor my legal representative tolerate any form of subterfuge. Therefore, I implore you to adhere to the stipulations of the law for the swift resolution of this matter. Kindly remove the disputed items, as they were unauthorized and contravene Section 605B of the Fair Credit Reporting Act : 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 XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX
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. (MD)

n accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX Bank Accout # XXXX, Account : XXXX XXXX XXXX Account # XXXX, Account : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX Services Account # XXXX, Account Name XXXX XXXXy Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name : Chapter XXXX Bankruptcy filing, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 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. (MD)

n accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXXXXXX XXXX Accout # XXXX, Account XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account : XXXX XXXX XXXXt # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX  XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Bankruptcy filing, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-29
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. (NY)

I have reached out to the Credit Bureaus for over 30 days and I am yet to receive a response, these items are inaccurate and I demand to have the removed.
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (ID)

I opened an account with Cryto.com on XX/XX/XXXX, I made 2 deposits totaling {$900.00}, I also made 3 purchase. Then today I was notified that my account was deleted and no refund was due. Ive contacted them and they said that due to their terms and conditions they did not need to give me a reason for this. I would certainly like my money back
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 602 A. States Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.