davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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. (MD)

XXXX XXXX is reporting a late payment on my report for @ XXXX XXXX? XXXX, however I have not incured Any late payments on Any accounts within the past year or so. When I contacted XXXX about this the were not able to provide me with any open account that incured any recent late payment. Howbeit, they are reporting a recent late oayment on my account which is totally incorrect and caused my score to drop significantly. I verified with all of my reporting accounts and none of them justified any late payments as claimed. Can you please resolve this error. Thank you.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Savvy Money, Inc. (CA)

I received 2 different alerts on different days ( Savvy Money on XX/XX/ and XXXX XXXX on XX/XX/ ) from 2 different credit monitoring companies ( Savvy Money through XXXX XXXX XXXX and XXXX XXXX through XXXX XXXX XXXX ) advising me that my score had dropped significantly. ( XXXX XXXX ( XXXX ) XXXX to XXXX XXXX point drop and Savvy Money Inc XXXX XXXX XXXX XXXX to XXXX point drop. I am unable to reach a live person at neither companies. So, I called XXXX and spoke to XXXX to ask how I could reach them, she advised that she " XXXX '' their contact information and advised me to go on line and submit a question to them which I had already done and no response as of this note. I asked her to have a supervisor call me back, no one has called me back. I also called XXXX XXXX directly, I spoke to XXXX ( requested a supervisor to call me back on Friday XX/XX/22, no call. I called back today XX/XX/ and spoke to XXXX ( in the Fraud Investigation dept. ) which I asked him to transfer me to a supervisor in the US because him and XXXX basically sounded like they were reading from a script and could not tell my why there was such a large drop in my score when there had been no late payments, or anything that would speak to the large drop. I did have 1 hard inquiry but that only speaks to a few points. XXXX transferred me to XXXX in the US a and she could not explain the drop. All 3 of them told me to contact the credit monitoring service which I have been unsuccessful in reaching a live person. I was even advised to go to XXXX. When I asked why and stated that the website would not be able to tell me why my score dropped I received silence. I'm getting bounced around and not getting answers. I asked XXXX to have her manager call me since she was not telling why the drop happened, she only gave possibilities, nothing specific. I want my credit score restored. This has impacted my me and caused a lot of stress over the last 4-5 days. I need answers. XXXX XXXX/used the XXXX XXXX scoring model and Savvy Money uses XXXX XXXX XXXX scoring model. Please help me. It is outrageous and unfair to ask an everyday citizen to fix a problem like this. Service is definitely lacking with every person I spoke to. I honestly thought I would get this resolved but after 10+ calls and no return calls I hoping you can help me.
Consumer complaint received 2022-08-02
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. (UT)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX UNIVERSITY Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX Collecons : XXXXXXXX  XXXX XXXX  SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX  SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX SELF-REPORTED XXXX XXXX Employers : XXXX  XXXX  Addresses : XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX UHEAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX
Consumer complaint received 2018-11-01
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BB&T CORPORATION (FL)

Hi, I have been with BB & T Bank for many years now and even before when it was XXXX  XXXX. 
I was a victim of FRAUD AND IDENTIFY THEFT. BB & T did NOT do anything about that. They stated that they were going to Internally Investigate it and contact me. They Never did. As a result of this FRAUD AND IDENTIFY THEFT ; I wasn't able to keep track of my Account History. I had to open and close two different checking Accounts. I have called the BB & T Executive Offices contact Number several times. I have also called their XXXX - XXXX number And Office Manager several times and They still continue to LIE to me, give me excuses, Ignore me, NEGLECT And Mis-Treat me. I have been extremely Patient up until NOW. About a Month ago I asked And Requested their Assistance This has been to NO AVAIL. They Need to Credit my Account. Send me a Detailed Account History for the last 24 months ( Office which they Assured me of ). And Regular Mailed me Broshures of the different types of Checking and Savings Accounts that they have where there is No fee charges if I don't have Direct Deposit. I can NOT account For much money in which I had in my checking Account. - Please have BB & T RESOLVED these Issues / Matters A.S.A.P. - Thank You
Consumer complaint received 2022-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

Recently completed a loan modification with M & T bank. I was made to believe that the modification was for total amount owed on the loan. The deed of trust i signed had no mention of a subordinate 2nd loan which throughout they had failed to disclose. In recent communication M & T bank stated they do not have to disclose to the customer the total debt. So me as a borrower was not informed therefore unable to make a informed decision about the modification and subsequent balloon payment at the end of the loan term.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts listed below : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX XX/XX/2021 XXXX XXXX XX/XX/2021, XXXX XX/XX/2021,
Consumer complaint received 2022-09-15
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. (TN)

I am a natural person..I am a living human being.. I have rights under the FCRA, 15 USC 1681. XXXX and XXXX are governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Because of these violations and reportings without my written signature and consent, it's been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given XXXX, XXXX, Equifax or any other consumer reporting agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. Account Name : XXXX, XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts listed below : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX XX/XX/2021 XXXX XXXX XX/XX/2021, XXXX XX/XX/2021,
Consumer complaint received 2022-08-02
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. (GA)

TransUnion is reporting XXXX XXXX on my credit report which is past the reporting date. The account 's first late payments were in XXXX and XXXX of XXXX and should be removed.
Consumer complaint received 2022-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-11-01
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. (GA)

I did - not Authorize / Authorizations the use of personal credit / view and/or open new accounts, IDENTITY THEFT VICTIM - EQUIFAX DATA BREACH ... 

^^^^^^^^^^Equifax IInfomation^^^^^^^^^!!! 
Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 ^^^^^^^^^^^^^XXXX^^^^^^^^^^^^^^!!!! 
Inquiry details XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Equifax Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} Credit Cards XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$2900.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} 90-119 Days Late
Consumer complaint received 2018-11-01
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: CNG HOLDINGS INC (MD)

On XX/XX/2018 my lawyer sent a complain to XXXX regarding a collection item listed on my credit report from XXXX XXXX. In the letter, they explained why the item is not valid and that it should be deleted and investigate. XXXX  then wrote me a letter stating that they have removed the item from my credit report but after a few days, I received an email notification stating that the item has been listed on my credit report and this came without any type of explanation from XXXX stating why the item was re-listed on my credit report or a summary of the outcome of the investigation that they conducted with the original creditor XXXX XXXX.
Consumer complaint received 2022-08-01
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. (FL)

On XX/XX/2022 I sent a letter via regular XXXX mail and certified mail ( tracking ID # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX ) In accordance with the Fair Credit Reporting Act the below have violated my rights. 

-XXXX XXXX XXXX Account # XXXX ( partial account number ) -XXXX XXXX XXXX XXXX XXXXXXXX Identification XXXX : XXXX -XXXX Partial Acct # : XXXX XXXX XXXX Partial Acct # XXXX -XXXX Partial Acct # : XXXX - XXXX XXXX XXXX XXXX, # XXXX 15 U.S. Code 1681 section 602 A states that XXXX have a right to privacy 15 U.S. Code 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (NC)

I went to a dealership to get a vehicle and was approved by Santander at XXXX XXXX XXXX with no credit history and they furnished information on my consumer report that wasn't 100 % accurate and refuses to acknowledge the grave mistake by continuing it to be allowed on my consumer report. None of the details concerning my loan are accurate across all 3 bureaus and I asked Santander to specifically send me the signed documents they have on file concerning the account. I have reached out to Santander without no prevail even though I qualified for their deficiency waiver of the lawsuit they had against them in North Carolina. I believe Santander misrepresented the auto loan given to me by using predatory and fraudulent actions and it shows in the furnishment of information given to credit reporting agencies. I am making this complaint due to Santander failing to uphold the rights of consumers and not properly handling the information given to them by me ( the consumer ) the right to properly dispute this account. Santander failed to give me enough information regarding how any deficiencies left on my auto loan would be calculated after the car were repossessed. Santander also engaged in deceptive servicing practices and actively misled me about the rights and risks of partial payments and loan extensions and added miscellaneous fees to my account after the sale of the vehicle. Santander broke several FDCPA, FCRA and XXXX laws and I want them held accountable. I will also XXXX : the attorney general XXXX XXXX about this matter. I have attached a copy of a letter that was sent to Santander.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001.
Consumer complaint received 2022-07-27
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. (PA)

Im a victim of identity theft and Equifax is keeping reporting unauthorized fraudulent inquiries to my credit report, I did disputed several times but equifax never fixed the errors. I did contacted the financial institutions who reported these inquiries, they thankfully did sent me letters stating that theyre sorry and they will contact equifax to remove them from my report. I did sent copies of these letters to equifax many times asking them to remove them but their outcomes always saying the inquiries are accurate. I dont know what to do anymore. Equifax is giving me a hard time and insisted to report wrong inaccurate information to my credit report. 

Unauthorized fraudulent inquiries are : XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc (OH)

I received an email almost a month ago from venmo that my account was frozen.They asked me to send proof of identity via drivers license. I did that, proof of bank account, I did that. Meanwhile it takes weeks for anyone to respond to my emails or documentation. I only have {$68.00} in the account but I had intended to set up a direct deposit for monthly deposits of hundreds of dollars. Thankfully I never did. Now I can't get anyone to tell me why the account is frozen, unfreeze it or close it. Just last week I sent another bank statement and now they can't read it. I am done. 

I just want the account closed and the {$68.00} refunded to me. I am tired of the games.
Consumer complaint received 2018-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (KS)

At approximately XXXX p.m. XXXX on XXXX XX/XX/2018 I received a telephone number while I was attending XXXX   classes ( my full-time job ). The number that showed up on my caller identification was from ( XXXX ) XXXX and was listed as a " telemarketer. '' The female caller asked if I was " XXXX '' and was she speaking to him. I said " yes. '' The female caller ( whom I later identified as XXXX XXXX representing I.C. Systems ) began to tell me that I owed a debt of {$90.00} plus dollars for XXXX XXXX. After I told XXXX XXXX about the 'fact ' that I don't owe this debt and 'vehemently ' deny it being my debt ; XXXX XXXX began to engage with me in a very closed-off manner accusing me of cutting her off from speaking and telling me that she and her company aren't making money from this transaction. XXXX XXXX falsely represented the money she claims is owed to her and I.C. Systems. 

Earlier in 2018 I switched cable providers and informed XXXX XXXX as such. During a series of phone calls between XXXX and myself it was told to me that I no longer owed any monies and my account was " paid in full. '' I moved on. However, I then get contacted by XXXX XXXX who is purportedly representing I.C. Systems ( which when asked for the address of her company I was denied that address ) telling me I owed more money than XXXX claims which is zero! I reminded her that I felt she and her company were just trying to make money and that they had bought ( what she described as a contract ) this wrongful debt and was attempting to take money from me. I also told XXXX XXXX to never contact me again ( as this is a work number and I was in school and it disrupted a discussion I was involved with ). XXXX XXXX did falsely say that the telephone ( XXXX XXXX XXXX was the only number she and I.C. systems had. If that is so, why was the phone number she was calling from state otherwise as listed earlier? The fact is XXXX XXXX ( if that is even a real person ) and I.C. Systems are involved in a racket to manipulate innocent victims into giving them money which is criminal and thus should be punished as such.
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

Citi Bank had an offer that on opening a new account and depositing {$15000.00} or more within 30 days and maintaining the balance more than {$15000.00} for 60 days ; they would give {$400.00} bonus and it will be added to the account within 90 days after all the requirements are fulfilled. 

I opened the account around XX/XX/2018 and deposited more than {$15000.00} on XX/XX/2018. I maintained that balance for more than 60 days ( for more than 5 and half months as of now ). So, I have fulfilled all the requirements of the offer and Citi bank has also confirmed that. I should have received {$400.00} before XXXXXX/XX/2018. However, as of XX/XX/2018, I still haven't received the {$400.00} bonus amount. 

I contacted the bank multiple times and have opened a ticket for more than 2 weeks now as well and they still haven't resolved the issue or provide any further update on the issue. They still don't have a clear timeline when I will receive the bonus amount.