davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have late payments that need to be removed per XXXX XXXX and it's still showing on my XXXX XXXX accounts ending in XXXX and XXXX my letter is dated XX/XX/2018 and stated would be removed with in 60 days.
Consumer complaint received 2022-10-24
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (CT)

XX/XX/22 : @ XXXX {$1000.00} was withdrawn from this writers checking account, leaving account in the- {$1100.00} ( was already in the XXXX prior to cash withdrawal ). This writer called customer service @ XXXX. Such agent expressed to this writer that I should discuss with my mother ( who is also on the account ) but was unable to give me information on the check that was used to take out this non-authorized transaction. This writer had to go into her own account to find such information & call again to discuss the problem with a new agent @ XXXX. This new agent informed this writer that I need to go to the nearest banking location for further instruction. 

XX/XX/22 ( continued ) : this writer arrives at M & T Bank @ XXXX. Discussing the same issue with bank teller. Bank teller ran through my account to print down the check and match signatures, which clearly do not match. Bank teller proceeds to tell Bank manager ( Individual did not introduce with title so Im assuming ). Bank manager informs this writer that he will launch and investigation & will call me later that day. I did not sign any paperwork such as a report or affidavit. This write leaves bank @ XXXX. This such bank manager called this writer back @ 3:36p to inform this writer that he was able to see that the person who wrote the check must of wrote the wrong account # down on the withdrawal slip. However, this writer informed the bank manager that there are no checks in this writers name so it is very concerning that someone can write down account # s and no extra verification is taken place. This writer was informed that the money of {$1000.00} will be placed back into this writers account Monday XX/XX/22. 


XX/XX/22 : this writers account is still - {$1100.00}. This writers calls the local bank @ XXXX to speak with bank teller. Bank tell takes down all my information and informs me that they will call back soon once discussing with the same bank manager on the status of my situation. No one calls this writer back. This writer calls back again @ XXXX informing a new bank teller the issue. Bank teller informs me that the bank manager is out to eat and will call when he is finished. I received a phone call @ XXXX from bank manager stating that my case is still in review and should be fixed hopelessly Tuesday XX/XX/22. This writer informed bank manager that such account needs to be fixed by Tuesday due to being paid this Thursday XX/XX/22 & having wrongful negative balance will result in this writers paycheck to be taken.
Consumer complaint received 2020-06-15
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: ERC (FL)

i have tried multiple times to ask for verification of debt on this account which should of been removed from my credit report. because it should of pass the statue of limitation. 
I haven't heard back from this company.
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (CA)

I have submitted a number of complaints here but I have been holding off on my complaints against the credit reporting cartel for some time now, simply because I dont even know where to begin.. 

XXXX, Equifax, XXXX and their executive branch, the XXXX XXXX XXXX XXXX, which allows them to skirt anti-trust and monopoly laws by calling itself an advocacy group and not the steering committee of an industry cartel, which is exactly what they are - a criminal cartel. 

How XXXX  XXXX is this industry allowed to continue operating??? They lose half the countrys PRIVATE personal data which we never consented to their having and selling, at least knowingly, and then when it is not accurate they make it IMPOSSIBLE to get them to correct it through any means- so your score goes down and the amount of work it would take to get it removed is more than reasonably plausible when co considering that efforts must be repeated at least three or four times across the three plus CRAs. 

This is an extortionate business by design and they stole their boost credit idea from smaller companies who were doing the same thing except not just as a disingenuous PR campaign. 

WHERE ARE THE CLASS ACTION CHECKS?! The gift of free credit monitoring, now expired, was frankly insulting, The damages awarded were pathetically inept compared to the scale of the crime and even that paltry obligation was not honored by XXXX. Or Equifax. 

I was impacted by both data breaches and have received nothing from either company except more abuse and defamation based on faulty data and a total lack of oversight or accountability. 

So my credit then being sub-prime -.I had to ask a LOT of different lenders for credit to find anyone who would work with me, resulting in a massive number of hard inquiries on my report, further lowering my credit score. 

Then, the CRAs refuse to investigate or remove even those inquiries you didnt authorize, even upon the receipt of a certified letter demanding such investigation. They straight up refuse to obey the law and make no effort to avoid destroying peoples lives whatsoever. 

This criminal cartel must be SHUT DOWN!!
Consumer complaint received 2022-10-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (MD)

We got are car repo and we pay the {$2100.00} to get are account up to date. We then are due date for XXXX payment on XX/XX/2022. We ask to move that payment to the end of the payment. They told us we need to move the due date. To the XXXX of XXXX and then they can move are payment for XXXX to the end.I was told it got denied cause no payment.
Consumer complaint received 2022-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (FL)

I have health insurance which was given to the Secretary during my visit. Reference '' XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Please submit charge to these insurance companies.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (TX)

I locked in a rate of 3.875 % on XX/XX/XXXX with BETTER.com. This rate was " guaranteed '' for 75 days. As of XX/XX/XXXX, I was " cleared to close '', with a close date of Friday, XX/XX/XXXX. 

On XX/XX/XXXX they laid of 3000 employees and on XX/XX/XXXX, 7 days before close and out of my option period to re-coup my earnest money of {$53000.00}, they told me they can't do the loan. 

They would only do the loan at a higher rate of 4.25 % and {$5000.00} more in points. The net interest rate difference is over {$100000.00} over 30 years. 

I begged for them to honor the original rate to no avail. The best they could do is 4.25 or decline the loan in which case I would be in jeopard

y of loaning my earnest money and the house. Attached are : 1.
Screen shot of " on track '' to close. 2. Rate lock " guarantee '' email. 3.875 3. Pre approval letter. 4. Actual closing disclosure of 4.25 % and increased points.
Consumer complaint received 2022-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (GA)

I have submitted a police report and FTC Affidavit to TEK COLLECT via Certified Mail # XXXX XXXX XXXX XXXX XXXX. 
I have no idea who TEK COLLECT is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. TEK COLLECT is indicating that an account with the account number XXXX was opened with their company in XX/XX/2021. I never opened an account with them or anybody else. This account IS a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I HAVE NEVER RECEIVED ANY SERVICE FROM XXXX XXXX When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ XXXX XXXX } authorized XXXX XXXX as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who TEK COLLECT is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. TEK COLLECT is indicating that an account with the account number XXXX was opened with their company in XX/XX/2021. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to TEK COLLECT, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2022-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (FL)

This bill is from XX/XX/2019 from XXXX. This bill was reprocessed and paid. I have had XXXX XXXX XXXX XXXX for 14 years. I have a XXXX through my job at the XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX and they have assured me that this bill has been paid. It is know showing up on my credit report. Please update your files and take this bill off my credit report and out of your system.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On experian report a company called  XXXX   XXXX   XXXX  put something on my report in error. I have resolved issue with   XXXX   XXXX   XXXX   they sent me letter saying they would have it removed. i also sent letter and dispute to experian and the results per Report Number :  XXXX  on  XXXX / XXXX / 2017  was that the information remains. This information should not be reporting and i did submit the documentation from   XXXX   XXXX
Consumer complaint received 2018-10-20
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)

The inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Also by XXXX XXXX on XX/XX/XXXX. I do not recognize these inquiries and it should have been removed from my Equifax consumer report. I contacted the inquirers but they have failed to remove the inquiry from my consumer file yet. I also contacted Equifax regarding these inquiries and they have not removed them yet as well.
Consumer complaint received 2022-07-23
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. (TX)

I was surprised to see that there are accounts being reported on my Credit Report that are completely unknown to me. I took the liberty to investigate and concluded that these accounts are fraudulent. I am now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$2000.00} DP OF EDUC XXXX Balance Owed : {$6400.00} DP OF EDUC XXXX Balance Owed : {$5800.00} DP OF EDUC XXXX Balance Owed : {$2500.00} DP OF EDUC XXXX Balance Owed : {$3300.00} DP OF EDUC XXXX Balance Owed : {$6000.00} DP OF EDUC XXXX Balance Owed : {$9300.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$1400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance Owed : {$15000.00}. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-23
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 XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (TX)

I initiated an ACH transfer from outside website from my ally bank checking account. It was for {$32000.00} for Thursday ( XXXX XX/XX/2022 ). Within 3 hours, I reallized that i need to stop that transfer. Tried chatting with Ally bank customer service... more than 45 minutes of wait and no help even after that. Then called Ally bank... more than 1 hour on the phone with the first level and then the supervisor ( XXXX ). By around XXXX, XXXX assured me that this amount will be blocked and she charged me {$15.00} from my bank account for this stop payment. Rest assured I was okay with this resolution but later I reallized the transfer was not being stopped by Ally bank even after charging {$15.00} fees to my account on XXXX XX/XX/2022. This {$32000.00} took money out of my Ally bank account and Ally couldn't even stop it even when they knew what they had to do and charged me Stop payment fees of {$15.00}. 
I had to make another payment but I was under the impression that {$32000.00} was stopped so I made larger payment to this vendor from this website : XXXX : XXXX How shameless, clueless and hopeless Ally bank is and how they are deceiving their customers? Such a long wait time on phone as well as chat and still no good customer service. 


For more than 10 months, ally mobile app is not working. Still Ally is doing research with no status update. 
Moreover check deposits are returning as there are not enough instructions on the website. Every time you call Ally bank- they have a different person who give a different narrative of the problem/resolution. When i opened Ally bank account way back in XXXX it was good... but quality has really gone down like anything.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED BANKSHARES, INC. (PA)

I had a checking account in this bank for over 30 years I set up a automatic payment for a life insurance policy that I decided to cancel the insurance company refused to cancel it before I even made the initial first payment which really was the second payment being the first payment was only a XXXX the bank refused to cancel the automatic payment before the payment was due they stole {$64.00} and change after I took {$400.00} out of the account to reduce it below the cost of the first insurance payment which was {$110.00} instead of them going for insufficient funds they stole the {$64.00} and change out of my checking account put on a XXXX and change thinking that they were going to XXXX it out of my social security check I canceled the social security then they canceled my account I wanted the account reinstated they sent me a {$210.00} check because I turned them into the XXXX XXXX XXXX apparently they told him they were wrong they canceled my account refuses to let me have my account back I didn't make the mistake they did I want to account reinstated I have no ID I don't want an ID and I'm not paying for any government IDs that I do not need! 
Sincerely, XXXX XXXX XXXX if you need any other information please contact me at XXXX XXXX XXXX and please do not let this number get out and do not give it to this Bank I'll just get more harassment thank you.
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (WI)

My Carnival Master Card has had fraudulently been used. I usually only use it XXXX For small purchases. In XXXX I received notice that over {$10000.00} had been charged against my card in XXXX XXXX an other places including car. 
Rentals. I contacted XXXX XXXX XXXX XXXX and informed them of the issue. They said they closed the account and sent a new card while the fraud was being investigated. I never received the new card and more charges were made. I contacted them again and informed them I never received the new card and more charges were being made. They sent a third card which I never activated and they allowed more charges. I contacted them again and informed them again and told them just to totally close the account in XX/XX/2022 and I destroyed the card I never activated. In XXXX I received a letter stating that I had authorized a car rental for over {$3500.00} I called them again and told them that I have never rented a car and did not authorize any rental and that the account was closed. They said that there were new charges in XXXX and I asked how they could allow charges to continually be made on an account that has been closed. They said they would report it as fraud. Now I received a bill in the mail from them telling me that I owe over {$29000.00}. They had issued me a fraud case # XXXX in XXXX and said this case would be cleared by XX/XX/XXXX. Please help me as I can not get this matter cleared up with them and my credit score has dropped from XXXX to the XXXX and I am not responsible for these charges. They are also charging me interest and late payment fees.
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MI)

I opted to have an escrow account on my mortgage so I did not have to worry about the tax and insurance payments. I did not have to have one as my down payment was greater than 20 percent. Within one year my mortgage was sold by XXXX XXXX Mortgage to Flagstar Bank, but not all of the details were taken care of and my insurance policy to XXXX was not paid for more than a month. I would not have known about this problem were in not for XXXX sending me a reminder. When I logged into Flagstar there was a hard-to-find obscure reference to me not having an insurance policy in place and the threat that they would sign me up for potentially more expensive coverage. I paid outright for renewal, wanting no further delay, and now they will double pay through escrow. I asked Flagstar to remove me from escrow and they will not without a hefty fee This is criminal. In fact, it is against the law in many states. I told them they should let me cancel the escrow account without penalty due to their mistake. They refuse. This business of buying and selling mortgages is a nightmare for mortgagees. There should be more oversight of this process, and more penalties for these institutions that mistreat customers. As an aside, this bank also waited to the very last minute to pay my city taxes, causing great anxiety. There clearly is no benefit to me having an escrow account when they threaten my credit worthiness in these ways.