davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On Sunday XX/XX/XXXX, my father gave me a {$15000.00} check from his XXXX checking account as a loan to pay off my credit card and loan debt. I deposited the check same day via ATM into my Huntington checking account. On Tues. XX/XX/XXXX, the funds were briefly made available and I paid off {$10000.00} in total. Weds. XX/XX/XXXX I attempted to make an {$11.00} purchase at a XXXX store in XXXX Ohio and it was declined. I immediately called the bank and was told there would be a hold on the check until today 's date Fri. XX/XX/XXXX. My {$1100.00} payroll check was direct deposited into my account this morning so I assumed I would have money in addition the the {$15000.00} check from my father that had cleared. I called Huntington and was informed that they put a hold on my account so I have NO access to ANY of my funds for up to 30 days. I have offered my father 's contact info several times if they have questions about the legitimacy of the check and obviously my payroll money should be available aside from the check. I have no access to other funds and have no way to pay my rent, buy food for my child or myself or put gas in my vehicle despite doing nothing wrong and offering solutions to validate that the funds were legitimate.
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

To Whom It May Concern, To say I have been patient and tried to work this out through your normal customer service channels would be an understatement. A little background on my situation is I received credit back from purchases from a few stores and this caused my account to have a credit balance on it. Since I was no longer using this card for daily use, I requested Discover to send the excess balance to my checking account. I was quoted a turnaround of about 5-7 business days. That was on XX/XX/XXXX. It is now XX/XX/XXXX, a full 10 business days from the original request, and I am no closer to receiving what is rightfully mine!

I have been chatting with multiple customer service representatives, but the only response I get is to wait longer. I can not wait any longer because I needed these funds to pay my bills! It is absurd that you can take my money same day but can not give me the money back in a timely manner. I am past my point of patience and need this resolved immediately! This is a clearly violation of my rights as a consumer and feels very similar to unfair and/or deceptive business practices! Discover is taking away my right to use the funds that are rightfully mine in a timely manner and this is unacceptable.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XXXX of this year, I received an email from Capital One saying that my account has been restricted and to call the number provided to sort it out. I have called the number provided multiple times between then and now and each time they said that the investigator working on my case is still working on it. It has been 3 months and multiple escalations has been initiated but still no resolution has been made. I have since opened up an account with another bank so that I could still receive my direct deposits and pay off my bills. I am just extremely extremely extremely frustrated with the seemingly lack of initiative with the investigator. 3 months is an extremely long time to not have access to my own money.
Consumer complaint received 2018-11-02
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)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-02
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. (HI)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX and XXXX XXXX
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 — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I am requesting that the following information listed removed from my report. This information is inaccurate or no longer in use. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
Please list my name as XXXX XXXX XXXX and my telephone number XXXX this is my current and up to date information.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am requesting that the following information listed removed from my report. This information is inaccurate or no longer in use. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
Please list my name as XXXX XXXX XXXX and my telephone number XXXX this is my current and up to date information.
Consumer complaint received 2021-05-26
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: Experian Information Solutions Inc. (KS)

I have sent numerous letters to XXXX, Experian, and XXXX regrading a fraudulent XXXX XXXX XXXX account on my credit report. Account number XXXX ... This is not my account this is a result of Identity Theft. I sent all three credit reporting agencies, and the furnisher XXXX my FTC report, report # XXXX. 
XXXX, Experian, and XXXX are all in violation of the Fair and Accurate Credit Transaction Act ( FACT ) which E-Oscar guidelines state, " If a consumer submits an Identity Theft report to a furnisher and states that information maintained by the furnisher resulted from identity theft, the furnisher may not provide the information to any bureau, unless the furnisher is informed by the consumer that the information is correct ''. XXXX, Experian, and XXXX continues to report this account which is hurting my reputation to attain more credit. They keep saying the account is " verified '' as accurate without sending me information of how the account was verified : In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. i asked for The names and business addresses of each individual with whom they verified the information with above, so that I may follow up.The date they contacted the individual funishers of information.The method of communication they used to verify the information. I would also like to know if the furnisher provided you with my SSN, address or DOB. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against XXXX, XXXX, and Experian. I have sent 3 previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To : CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX, MA XXXX Date : XX/XX/year> To Whom it XXXX Concern : This letter is sent in response to a notice to my credit XX/XX/year> regarding account # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested.

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.

I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 



Sincerely, XXXX XXXX
Consumer complaint received 2018-11-05
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: Ability Recovery Services, LLC (NY)

XXXX keeps reporting a deleted collection as accurate. The collection agency deleted the account and XXXX removed it but not XXXX. I have been trying to contact XXXX about this and they still keep reporting as of today. I have proof that the account is inaccurate and not mine. I have submitted a dispute numerous times and they wont delete it, even though the agency deleted it from all 3 bureaus. According to the FCRA, incorrect, inaccurate, unverified accounts must be deleted from credit reporting but XXXX  isnt following the law.
Consumer complaint received 2018-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

The wire transfer was made with my account to a person named XXXX XXXX. This was a scammer who had opened a false bank account with bank of America and impersonated a different person to collect money on an investment. 

The bank promised that its legal department would look into getting the money back and the scammer would be traced and that Bank of America would be able to track down the scammer and retrieve my money. 

Instead the bank only gave a courtesy call to the scammer and took no action to recover my money. 

The bank was given all the information that a police report had been filed and an FBI report had been filed to catch the criminal. The Bank chose to ignore that information even though the agent from the Claims department herself had stated we report this to FBI and the police as that would help to recover our money. The blank claimed they have cameras and will be able to track down who had opened that account. The FBI report attached below shows how the scammer changed the bank information by middle man hacking techniques on emails. 

I have the claim number on the Bank of America XXXX, the police report and the FBI report.
Consumer complaint received 2018-11-05
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: Experian Information Solutions Inc. (NY)

Experian keeps reporting a deleted collection as accurate. The collection agency deleted the account and XXXX removed it but not Experian. I have been trying to contact Experian about this and they still keep reporting as of today. I have proof that the account is inaccurate and not mine. I have submitted a dispute numerous times and they wont delete it, even though the agency deleted it from all 3 bureaus. According to the FCRA, incorrect, inaccurate, unverified accounts must be deleted from credit reporting but Experian isnt following the law.
Consumer complaint received 2018-11-05
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: Experian Information Solutions Inc. (WA)

There is one ( 1 ) account that should have aged off of my credit report that is not only not aging off, but is being reported in duplicate ( XXXX as opposed to XXXX ) on my credit report. 

I have contacted and informed both the company that is supplying this erroneous, damaging information ( XXXX ) and the credit reporting agencies Experian and XXXX with no success. I have sent documents to include XXXX 's and first report dates that validate my position that the information should have aged off and that the amount was for XXXX and not XXXX.
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

We receive at least 3 calls an hour, all day long, all hours of the day, even weekends. Have asked them to stop and they have not. The dates have been ongoing for weeks. Todays date, XX/XX/19 was the last straw for me.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABSOLUTE CREDIT  LLC (NJ)

I recently applied for a mortgage and was shocked to see this collection on my credit. They claim I owe money to XXXX. XXXX XXXX XXXX. I do not have any animals. My dog was put down years ago at XXXX. XXXX XXXX XXXX, they know that and have proof of that. What happened is that my son went there with his dog. My son is XXXX and I am not sure why the appointment is listed under my name. We do not have the same name or address. When I called the agency and complained the agent said she did not believe me and did nothing.This is not my debt. I do not owe this debt, my son owes this debt.
Consumer complaint received 2022-09-27
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. (CO)

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 reports no consent is fraud.
Consumer complaint received 2018-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I purchased a car from XXXX XXXX in XXXX. I was initially told I was purchasing a XXXX and signed a retail installment contract to cover the XXXX XXXX  GAP insurance and financed car note. After signing the initial contract, I noticed the car I purchased was a XXXX. I went back to the dealership and they drew up another contract, but this time it was electronic. I was also told that I would be able to register the car in California even though I purchased it in Ga. After 6mo of going back and forth with the dealership and not be able to operate my vehicle due to it not being registered. I made a complaint to XXXX. The lender who financed my car was still accepting the payments even though my car was not registered. The dealership would not give me a dealer plate to operate the vehicle. After the complaint, I received an email stating to not take my car to XXXX from someone in their corporate office. I already had GAP protection and an additional vehicle protection plan that covers me for XXXX miles. I had to take my car to XXXX XXXX XXXX in XXXX because I was told each XXXX is an independent dealer and I could not get serviced there, so I had to pay out of pocket for warranty services that should have been provided. In addition, I began to have safety issues with the parking break disengaging while in park. One incident led to the car rolling out of it's parking space after I engaged the parking break, locked the door, and left the car alone. This continued to happen several times. I consulted with a XXXX lawyer and requested the car to be repaired. XXXX made me an offer saying they would give me cash and extended warranty and also told me to take the car back to the dealership that changed it's name from XXXX for an exchange or repurchase of the car. On my final demand for repair, I contacted my car loan lender to let them know and was told the car had been charged off, but not in repossession. XXXX and the dealership has caused this charge off because they did not follow through with their offers to cover the issues that are under warranty according to thev4th and final repair under XXXX law. In addition the car was kept for repair over 30 days and nothing was repaired.
Consumer complaint received 2018-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NM)

As an employee of this company, part of my job was to try to sell customers a 3rd party product called XXXX XXXX. I actually believed in what I was selling people and added XXXX XXXX to all 5 of my accounts with them. So, every month my statements would reflect the amount of the current balance that paid for the XXXX  XXXX, based on the dollar amount owed on the card itself. 

This was supposed to protect me and my credit should I not be able to make my payments. It would either make payments until I could go back to work or, in the event of complete and total XXXX, pay off the balance owed on the account. 

I was injured in XX/XX/2014, and I was never able to return to work. I am now considered XXXX XXXX  XXXX through the Veterans Administration. I reached out to Account Assure when I was no longer unable to make the payments, at that time I was still on short-term XXXX insurance through the company. I submitted everything that was requested and they never stepped in to help. 

Both the creditor and the 3rd party knew that I had the coverage. Every billing statement bore that out. Even though I was led to believe that the creditor was going to assist me in getting XXXX  XXXX to provide the coverage that I had been paying for, instead they simply turned over the two accounts with balances for collections and then closed the 3 other accounts which were in good standing.
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In or around the month of XXXX someone had accessed my account using my debit card put in some checks and withdrew {$200.00} from these checks totaling {$460.00} when I realized that my account had been accessed and money had been taken out by someone other than me I filed a claim with the bank stating that I did not do this they sent it to their review and said that it was an authorized debit how could it be an authorized debit if I'm calling them and telling them I didn't do it and when they viewed there cameras on their ATM machine it was a man not me so I had them RI file a claim with a police report and it is it's been almost 6 months and still the problem has not been solved why does it have to take so long I don't understand how the number one they can come to the conclusion that I authorized it when I'm calling them and telling them I did not then when they reopen or redo the claim it's going to take a whole nother 60 days that's not right