davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have been a joint checking account holder with my elderly mother, XXXX XXXX, for over 15 years. She lives an hour away from me ( I'm in XXXX Ohio, she's near XXXX ). When we opened the account, it was with XXXX XXXX Bank. The bank has been acquired several times ( XXXX, XXXX, XXXX ) over the years. In about XXXX, my mother became unable to manage her own finances, and asked me to help. This included paying bills, taxes, etc. from the account on her behalf. She has also received her monthly social security and small annuity payments into that account automatically, and had her Medicare premium ( and other bills ) auto debited from there. I'm not near her branch, so I've used online banking and paper checks to manage her obligations ( she doesn't have a debit card, nor do it, for this account ). I'd handled these tasks from Summer, XXXX until I ran into the issue I'm describing in XXXX, XXXX, after Huntington had acquired XXXX and began to migrate XXXX accounts into its own online banking platform. 

I first attempted to access my mother 's and my joint account via the Huntington platform in mid XXXX, at which time I entered the account number and requested social security number. I was then prompted that they would call me for multi-factor authentication, but the number they indicated they'd call has long since been out of service. At the time Huntington acquired Chemical Bank, Chemical Bank did have the correct number, so I'm not sure why the other number was the only option for authentication. My only option online after that was to call Huntington 's perennially understaffed call center. I have tried XXXX times since XXXX. Each time, I've been told by an automated voice that " call volume is unusually high, '' and not even given the opportunity to wait in queue. Instead, I was prompted to call back at a later time. It is now over a month since I could last access this account. During that period, I've had no way of paying a number of bills, etc. 

I've also tried to work with Huntington 's chat bot online and the phone app. All roads always lead to calling the call center with its perenially, " unusually high call volume. '' In the meantime, I'm unable to pay my mother 's bills ( including her room and board at the XXXX XXXX and prescriptions ) or access the account at all. 

Again, I live an hour away from my mother. I do not have a debit or credit card for this account. She lives in a XXXX XXXX, is basically immobile, and is mildly, cognitively impaired, so she does not and will not attempt to manage her affairs. The fact that Huntington has set up this number of roadblocks using outdated information, with no way around calling an ineffective call center seems a little ridiculous to me, and certainly not customer-friendly.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

Attempting a Bank to Bank transfer with M & T Bank XXXX XXXX Account, I have been unable to move my funds out of M & T. I have attempted a transfer of {$2000.00}, the maximum allowable amount, on several occasions. Each time I have been unsuccessful, receiving the notice " This action can not be completed at this time. Please try again later. '' I have tried to link other accounts, to try transferring the funds there instead, and been unable to link them. 

I have even attempted to initiate the transfer from the other receiving bank. I am confident the receiving bank is not at fault, as it has never had issues with them transferring money to and from numerous other institutions.
Consumer complaint received 2021-02-27
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. (CA)

A prior report has been filed in relation to the problem at hand. Someone somewhere is using my credit information and applying for credit card, loans, lines of credit and mortgages which is hurting my score and putting over sixty credit inquiries i do not recognize on my report. I would like these inquiries that were not initiated by me to be removed from my credit history as they are fraudulent.
Consumer complaint received 2023-03-30
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. (CA)

I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX Balance {$380000.00}
Consumer complaint received 2022-12-15
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. (FL)

I called TransUnionXXXX after I purchased a credit report with XXXX After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXXXXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

It is saying that I was late on a credit card payment and I am not. 
This is situation is giving me a hard time to apply for a loan. 
Please review. 
Thank you,
Consumer complaint received 2022-06-24
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. (OK)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX Account number XXXX XXXX Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions. 

This account is also reporting as revolving. It is more than 7 years on my reports.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (AZ)

I am filling this complaint because national recovery agency has alleged a debt is mine but can not prove this claim, they have contacted my father and the debt has hurt my credit to where I am unable to purchase a new car when I am a single mom of XXXX. I sent in a verification off debt letter to verify this alleged debt is mine and I am willing to pay as long as I can see proof of claim. This was ignored, a photocopy of this statement was sent which I specified in my letter to not have a photocopy, I then sent another letter re requesting the same info to verify the alleged debt, this letter was ignored. I then sent a pending litigation letter, another photocopy was sent disregarding my request. I have now sent a cease and desist notice as I see National recovery agency will not comply, they will not verify this alleged debt belongs to XXXX XXXX. I have spoken with XXXX XXXX via email who once stated they requested this info from XXXX XXXXXXXX XXXX and didn't get a response, I waited and all he sent AGAIN was a photocopy of a statement.
Consumer complaint received 2021-06-10
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. (NY)

Since XX/XX/2021, I sent XXXXhree letters to XXXX XXXX  demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the account XXXX reported in my credit, they fail to positively verify the account and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. The company sent me an agreement without any signature, my signature is not on it. 
I demand the account be verified or removed immediately XXXX
Consumer complaint received 2023-03-30
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date Open : XX/XX/16 Balance : {$0.00}. Please remove.
Consumer complaint received 2024-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (KY)

Aargon collection agency XX/XX/XXXX Amount XXXX I have told them this is not a account of mines and I was in XXXX, I was XXXX  in XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I mailed a letter to Equifax requesting a debt validation of XXXX debt owed to XXXX XXXX. I also requested a debt validation from XXXX XXXX, as of date XX/XX/2021, I have not received any response from Equifax or XXXX XXXX.
Consumer complaint received 2020-12-03
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. (PA)

I am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report. I've been going back and forth with the credit bureaus about these accounts that appear on my credit report that were part of my identity theft case.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CO)

On XX/XX/XXXX a dispute was raise with Comenity Bank to get a refund on flights that was purchased. I was following the guidance of federal and state officials not to travel. The dispute was denied. I then called on XX/XX/25 and spoke to XXXX to redispute and was told that the dispute was resubmitted. I allowed over a month for the matter to researched and resolved. When I followed back up a month later was told that the dispute was not raised. I then spoke to XXXX on XX/XX/XXXX and he told be that he would resubmit the dispute the charge. I was then immediately denied without the ability to explain my position. I have attempted to work directly with XXXX XXXX  and they are not returning my calls. Comenity Bank has not work with me in " good faith '' and has failed to assist in my requests. They offered travel credit but due to my age and health conditions, I will not be able to travel for over a year.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute the inaccurate reporting of a late payment for my XXXX XXXXXXXX XXXX Account # XXXX in XX/XX/year>. According to the payment history provided directly from your records, this account was not late in XX/XX/year>. In fact, the payment was made ahead of schedule on XX/XX/year>. Despite providing this evidence, you have refused to correct this inaccurate information, which is both misleading and damaging to my credit profile. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information you report. The refusal to correct this clear inaccuracy, despite being provided with evidence, violates this provision. Additionally, 15 U.S.C. 1681i mandates that you reinvestigate any disputed information if the consumer provides reasonable evidence that the information is inaccurate. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The incorrect reporting of the late payment, despite evidence to the contrary, may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. Inaccurately reporting a late payment falls under this category and can have severe consequences for the consumer. 

XXXX XXXX Compliance Issues : The XXXX XXXX format, which is the industry standard for credit reporting, requires consistent and accurate reporting of account information. The inaccurate late payment reporting for XX/XX/year>, despite the payment being made in advance on XX/XX/year>, indicates non-compliance with XXXX XXXX guidelines. This non-compliance further warrants the immediate correction of this information. 

Request for Immediate Action : I am requesting the immediate removal of the inaccurate late payment information for XX/XX/year> from my XXXX XXXX XXXX Account # XXXX. Additionally, I request that you provide me with an updated copy of my credit report reflecting this correction.
Consumer complaint received 2020-12-03
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL POLICE DEPARTMENTS TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-12-03
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. (MD)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULEMT ACCOUNTS IN MY NAME I HAVE CONTACTED THE LOCAL AND FEDERAL POLICE TO MAKE CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-06-26
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (OH)

In accordance with the fair credit reporting act XXXX  account ( s ) has violated my rights : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, Also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-15
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. (NY)

I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints three times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX CARD XXXX
Consumer complaint received 2024-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (CA)

Mr Cooper Home Loan servicer for XXXXXXXX XXXX has admitted in writing RESPA error in recent resolution letters to me that in XXXX and XXXX for have not been using my mailing address of recored ( XXXX XXXX XXXX the HOME Loan location ). I have since learned they continue to mail an unauthorized 3rd party-am not receiving answers to my critical " QRW for Infomation '' dated XX/XX/XXXX ( USPS proof of delivery on file ). 
I have responded to them with QRR/Error request for information after receiving shocking reversal of there previous modification policy that they do not offer Modifications that increase a monthly payment amount. After not letting pay for 15 years in pending modification. They do not acknowledge or respond to this XX/XX/XXXX XXXX as of today. ( See Attached ). Additionally, they denied me for modification in writing dated XX/XX/XXXX, but have an active published ( not on hold ), XX/XX/XXXX Foreclosure sale date within 30 day of my invitation to appeal this erred denial for using the wrong " stream- line '' no documentation modification program that i did not apply for -- instand of reviewing my formal mod application & 34 pages income & other, How can you have a sale date before my 30 days to appeal is due.? And How do you have a sale date " active '' during a modification application or pending appeal in violation of Dual Tracking Foreclosure ban laws. 
the sale date of XX/XX/XXXX is active. Even though i received a letter from Mr. Cooper dated XX/XX/XXXX saying it was in hold- but in that same letter also says the sale is an active sales date. I wrote Cooper on this conflict of information in my QRW/Error notice dated XX/XX/XXXX, ( USPS delivery on file ). Please help. I am requested enforcement escalation with your deportment. I have ben in pending modification for 15 years with being required to pay my home loan. This is not right. Cooper has scammed me out of my home equity. HELP!
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

Its been 4 weeks and Experian hasnt updated my credit report with the accurate information about my available credit. It should be {$19000.00} and not XXXX ( Please see attached document ). 

Also, Theyre not even showing my XXXX XXXX XXXX XXXX either ( that I had for almost six years ). While XXXX  and XXXX  all have been reporting correctly and updating information.