davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I opened up a XXXX  checking account ( Account : XXXX ) last year. The bank said if I maintain {$20000.00} minimum deposit there will be no fees. For XXXX, there was no fees and from XXXX the bank started withdrawing {$40.00} per month without notification to the customer. 

I signed up for E-Statements and my Inbox also has no notification. Below is what the disclosure I got from bank when I opened my account... .You can see below it says {$20000.00} minimum. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 1 To be eligible for the {$750.00} cash bonus, business customer must open a new Huntington Unlimited Plus XXXX  Checking, XXXX  Analyzed Checking, or XXXX Analyzed Checking account by XX/XX/XXXX, then make a minimum cumulative new money deposit into the new checking account of at least {$20000.00} within sixty ( 60 ) days of account opening. " New money '' is defined as money that is not currently on deposit in any Huntington account ( except maturing business CDs ). Person to Person payments ( such as XXXX ) are not considered a deposit for this offer. Account must maintain an open status for at least 90 days before it is eligible for the bonus payment. Bonus will be reported on IRS Form 1099-INT for the year in which you receive your bonus. Cash bonus does not count toward the deposit requirement. All new accounts subject to account opening approval and account conversions are not eligible. Offer not available in combination with any other offer. An Early Account Closing Fee will apply to accounts closed within 180 days of opening. XXXXublic Fund/Government Banking dollars and Brokers are not eligible for this offer. The bonus will be deposited into your new business checking account within 14 days of meeting the above requirements. Your XXXX  checking account must remain in open status to receive the bonus. Existing XXXX  checking customers, including those with XXXX  checking accounts closed within the last six months, are not eligible for the cash bonus offer. Bank reserves the right to limit an individual XXXX XXXX with XXXX XXXX to one account-related gift incentive per rolling 12-month period across all deposit account relationships.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid : XXXX XXXX XXXX {$660.00} XX/XX/year> In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information? 
XXXX. What is your authorization of law for your collection of this alleged debt? 
XXXX. Please evidence your authorization to do business or operate in this state. 
XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I deposited a check through Bank of America mobile app for {$13000.00} ( check # XXXX - XXXX XXXX XXXX ). I received notification that the deposit had been accepted and would be available the next day. I checked my email later the day and found out a 7 day business hold had been placed on the check and funds wouldn't be available until XX/XX/XXXX. I would have never deposited that check had I know ahead of time such a long hold would be placed on those funds. In addition, I initially received notification that the the funds would be available next business day. 

I called the bank on XX/XX/XXXX and was told that the bank the check was written on is refusing to pay the funds until XX/XX/XXXX at XXXX. This was a completely lie! This is a payroll check so I contacted my payroll department and they ensured me they never refused to honor the check until a specific date. I was completely lied to by Bank of America on top of them holding my funds XXXX with no advance warning. 

I understand that a bank has a right to hold your funds but there should be advance communication prior to you continuing with the deposit. I would have never deposited the check had I had known this. Completely unethical for a bank to hold your funds after they have been paid the money. This has caused bounced checks and an inability for me to pay bills. Completely unacceptable that a consumer is being treated this way.
Consumer complaint received 2023-03-18
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: Commonwealth Financial Systems, Inc. (TX)

Medical bill in the amount of XXXX was added back onto my credit report on XX/XX/XXXX after being dropped 2 years ago. The original date of the ER bill is from before XXXX, over 7 years. 

Commonwealth Finance contacted me one time on XX/XX/XXXX, XXXX mail correspondence, and wanted me to verify my social security number. I refused, since they wouldn't tell me who the call was from and wasn't comfortable providing my information, then I hung up. The next day, XXXX alerted me to a collection on my account.
Consumer complaint received 2023-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

I have attempted to contact Credit Collection at XXXX and no one answers I sent 2 certified letters to Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX and an alternate address that was reporting on my credit file : Credit Collection XXXX XXXX XXXX XXXX, MA XXXX and I have yet to receive a response on my request to verify this account.
Consumer complaint received 2022-05-14
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. (PA)

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2020-10-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (AL)

Discover has repeatedly contacted my grandparents ( whom I do not or have not ever lived with ) regarding my missed credit card payment. My grandparents were not aware of my credit card, as I am an adult and live on my own. The payment amount owed was given to my grandparents which according to the Fair Debt Collection Practices Act, a federal law, is illegal. After contacting Discover about the crime that has been committed against me, they have provided absolutely no solutions to this issue. I will attach a recording of my phone call with a supervisor at Discover where she admits what they have done is " not allowed '.
Consumer complaint received 2020-10-19
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: JPMORGAN CHASE & CO. (AR)

On XX/XX/2020, I noticed my credit score drop over XXXX points on XXXX  and XXXX. I saw A new account with a balance over XXXX from JPMCB Card. I have never applied for anything with this company. I have been getting calls from an unknown number. They would leave messages saying its chase but I thought this was spam and never returned any calls. I do not have any accounts with chase and have not applied for anything
Consumer complaint received 2023-03-18
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. (MO)

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 states a consumer reporting agency can not furnish 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. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion and XX/XX/XXXX are still showing incorrect information. It shows that my Chapter XXXX bankruptcy discharged that was original date filed/reported was XX/XX/XXXX Reference # : XXXX That was 10 years ago!! And should have been removed I was educated on by the courts would fall off after 7 years max.  After the housing crash in XXXX I tried my best to stay afloat as long as I could but unfortunately couldn't keep up and had no other choices to file bankruptcy but at this point I've done nothing but positive things with my credit and bank relationships and even have an XXXX FICO score with XX/XX/XXXX because they have complied and removed the XX/XX/XXXXyears ago when they should have and were supposed too. 
It's been discharged and satisficed by the courts 10 years ago. This needs to be updated and removed from TransUnion and XX/XX/XXXX as soon as possible to start reporting accuracy and not outdated false information.
Consumer complaint received 2020-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (MO)

I have tried for months to resolve and settle this account. First it was with Walmart, it's been tossed around with XXXX  XXXX and Synchrony Bank, now it's with XXXX XXXX  XXXX. I have called and called many times. NO RETURN CALLS. I have left messages with Mr. XXXX, XXXX and XXXX. NO RETURN CALLS. No communication whatsoever. I have filed complaints before and XXXX XXXX XXXX said they didn't have it. I call Synchrony Bank they say they do. Finally today they say they do have it. No return calls after 4 calls! This is wrong. They are harassing me. I am sick of it. Synchrony Bank says they own it but refuse to take a payment or try to settle this. Please help me. I will be filing a complaint with the Missouri Bar Association.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-04-25
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. (PA)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
U S DEPT OF EDXXXX Account # : XXXX US DEPARTMENT OF EDU Account # : XXXX US DEPT ED Account # : XXXX DEPTEDXXXX Account # : XXXX 15 U.S. Code 1681 section 602 A. States that I have the right to privacy 15 U.S. Code 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code 1692cWithout the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, adebtcollector may not communicate with aconsumerin connection with the collection of anydebt violated via phone call on a XX/XX/2022
Consumer complaint received 2020-10-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have been the victim of identity fraud and my personal and financial information was compromised. There have been a series of unauthorized charges on my credit cards and withdrawals from my bank accounts in the form of cash advances that I am still trying to remedy. I have filed a report with the local authorities and FTC, am receiving support from XXXX XXXX XXXX, initiated credit freezes and have tried laboriously to reach resolution on the claims with each of my financial institutions. My Bank of America credit card still shows a balance of XXXX {$40000.00}, the majority of which is all fraudulent activity that has not been taken off. Bank of America mistakenly denied my claim because of errors inputted into their systems and incorrect / missing information to actually submit the claim. I have called the banks numerous times on a daily basis to get this resolved to little or no success. XXXX XXXX still shows excessive balances as well that have not been corrected. This has caused extreme impacts to my XXXX XXXX and XXXX XXXX   and I have not been able to support myself given the amount of this activity and the corresponding fees from each fraudulent charge.
Consumer complaint received 2024-10-22
Product: Credit reporting 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. (MS)

I discovered inaccuracies on my credit report involving 15 USC 1681c-2, with inquiries that I never authorized. This is impacting my credit, and I ask for the removal of all unauthorized hard inquiries. Thank you.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am a victim of identity theft and my personal information was compromised in the XXXX data breach. As a result, the following fraudulent accounts and public records have been erroneously reported on my credit profile. The continued reporting of false and unverifiable information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

These unauthorized names and addresses must be removed from my credit report immediately. Failure to do so violates FCRA 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain accurate and fair reporting.

In accordance with FCRA Section 611 and FDCPA Section 809, I demand the following : Debt Validation : Provide original signed agreements and complete account statements proving your right to collect these debts.

Verification of Reporting Accuracy : Provide records confirming the accuracy and authorization of these debts and public records.

Immediate Removal of Inaccurate Information : If you can not validate these accounts and the bankruptcy, they must be removed from my report immediately.

Cease Reporting and Collection Activities : Further collection or reporting on unvalidated accounts will be treated as willful violations of the FCRA and FDCPA.
Consumer complaint received 2020-10-19
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. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$170.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account.
Consumer complaint received 2020-10-19
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. (TX)

Equifax credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. Equifax CONTINUES TO REPORT THESE INQUIRES. I was affected by EQUIFAX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Equifax as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Equifax is lowering my score with each credit dispute. 
XXXX XXXX - Date of Inquiries : XX/XX/XXXX XXXX XXXX- Date of Inquiries : XX/XX/XXXX XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2022-12-19
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. (FL)

I have contacted Transunion on several occasions to dispute two inquiries reporting on my credit file that I did NOT authorize anyone employed by these companies to make any inquiry and view my credit reports. 
Transunion has FAILED to investigate and validate this information with the companies and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 


I, XXXX XXXX XXXX, have gathered all this information for litigation.