davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MN)

XXXX XXXX my bank account from Huntington was taken out for withdrawal under miscellaneous for {$1500.00} and I call the bank and ask them what was that transaction? The bank told me they dont know and will investigate. I also went to their branch in XXXX because I felt whoever I talked to was not much of a help. The teller I talked to also said this was a very strange transaction and she never seen anything like this. She couldnt figure out what this miscellaneous transaction was and told me she will put in a dispute for me. Two weeks have gone by and I didnt hear anything from them so I gave them a call back to check on the status of my dispute. The customer service told me that I withdrew {$1500.00} in XXXX and it was their fault for taking money out 2 months later, they kept apologizing saying it shouldnt have never happened to me and shouldnt have taken that long for the transaction to appeared. I told them I didnt withdraw anything for that amount and asked for proof of transaction in a documentation. They said they will send a letter explaining to me about what happened. XXXX week went by and I waited but no letter from the bank so I decided to give them another call, they told me there is no documentation or letter to show what happened and kept apologizing again. Most withdraw transaction say money withdraw but the {$1500.00} they took out it said miscellaneous, I found that transaction to be very strange and this bank is just trying to cover up someones mistake by blaming me. And I XX/XX/XXXX they took {$700.00} from my sons checking account and add that amount to my checking because they said my name was also on his account. Even though my name is on his account, they shouldnt have taken money out of his account because he is a XXXX XXXX student and work only part time and now he have no money to spend. He worked very hard just to save up to {$700.00}. I called the bank to ask them why did they take the money from my son and they said to cover the negative account in my bank. I told them its not right for them to do that to me as a single mother and to my son because they are ruining my bills I have to pay. They apologize again and nothing was done. I then asked again if they have proof for my {$1500.00} withdraw and they told me they dont have any letter to show it and cant provide anything. I am very angry with this bank and the poor customer service they have, I feel like they arent trying to do anything to help me.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (FL)

I am an American Express customer - who received an offer to open a KABBAGE checking account in exchange for a {$300.00} opening bonus. On or around XXXX XXXX I submitted an online application to open the checking account under this promotion. 

The website stated my application would be reviewed and account opened within a few business days ; my application was submitted to AMEX / Kabbage at the latest on XX/XX/XXXX for a {$300.00} opening bonus promotion that had an expiration of XX/XX/XXXX. 

AMEX / Kabbage did not provide me any status updates on my application since it was submitted, on or around XX/XX/XXXX I received a snail mail paper statement about this checking account having been opened on my behalf. 

On XX/XX/XXXX I contacted Kabbage / AMEX to inquire about my account in order to ensure the {$300.00} opening bonus was applicable. The {$300.00} incentive is the only reason I applied for the account and it was promised that my account would be opened " within a few business days '' - my account application was submitted on XX/XX/XXXX. 

According to Kabbage / AMEX customer service agent " XXXX '' my checking account XXXX was effectively opened on XX/XX/XXXX. The agent stated that the {$300.00} promotion I had signed up for ( on XX/XX/XXXX ) would not be honored for this account. They stated that the signup bonus required the account be opened prior to XX/XX/XXXX. 

I submitted my complaint to Kabbage customer service that my account application had been submitted in a timely manner ; on XX/XX/XXXX. Plenty of time for the checking account to be opened and for the {$300.00} account bonus terms to have been met. That no communication from AMEX / Kabbage had been received since submitting my application. 

A customer would NOT expect an account to have been opened under different terms than originally agreed upon ; my application was submitted in XX/XX/XXXX during a {$300.00} PUBLIC signup bonus promotion ( https : XXXX ).
Consumer complaint received 2022-03-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (SD)

On XXXX I fell XXXX XXXX XXXX XXXX. I experienced life threatening complications following the XXXX, which caused me to take a leave of absence from work. 

This loss of income has left me with only my Social Security income. 

I wrote to Upstart.com on XXXX ( after I got out of the hospital ) requesting a loan modification plan. They denied me, because I haven't been with them that long. I took out the debt consolidation loan in XX/XX/2021. 

I want to pay my bills. 

I just need to be able to eat and afford my medical treatments too. Any assistance you can offer will be greatly appreciated.
Consumer complaint received 2022-07-15
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: WELLS FARGO & COMPANY (FL)

In accordance with a fair credit reporting act [ WELLS FARGO # XXXX, XXXX # XXXX, XXXX XXXX XXXX. # XXXX ] has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (MO)

I'm filing this complaint as a follow-up to my earlier one, dated XX/XX/XXXX, asking that the Experian and XXXX Credit Bureaus erase the false information they are reporting on my Credit Report. I was a victim of identity theft once more, and I'm asking to have the data associated with the fraud that was added to my credit report removed. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies must delete any information no later than four business days following the date of receipt. I previously mentioned this report and the false information in my complaint, and I'm doing it again. 
Also, the information that some Credit Bureau provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about the accuracy of the information the present on my Credit File. The following items must removed since these items were incurred due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX. The purpose of this complaint is to let the credit bureaus know that I will be suing them if they do not REMOVE the stated items from my record. My lawyer has been told of my plans, and they are eager to hold the Credit Bureaus responsible for their willful noncompliance.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

I called the Wells Fargo XXXX customer sevice number this am to check on my latest debit card withdrawal because it was not showing up online or in the automated system. The customer service representative told me my checking account had been overdrawn by {$700.00} dollars. This is a lie. She said I could talk to her supervisor., but it's on record and there is nothing I can do about it.Again, This is a lie even though it is on record.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2022-03-07
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. (IL)

I have previously disputed with transunion, XXXX and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NY)

I had a similar complaint against this bank a few months ago but it never went anywhere and I am not sure why. Was it submitted? I never got a resolution of any kind. 

I contacted this bank several times in the last three months about the interest rate I am being charged after purchasing a piece of furniture in the early fall of last year. I did not at the time realize that I would not be able to be offered a low interest rate on a new purchase like this for at least six months. Most cards do offer this and it was too late. I can not afford to pay this interest. I am still being affected by the Pandemic ( my mortgage was on deferral for a year and four months and we just went back to paying ). That coupled with the cost of heat right now is crippling us financially. If nothing is done for us, I told them that I am going to have to force a settlement. I want the interest credited back to us from XXXX and this one item at the very least put on a low interest rate for six months starting now or I am going to have to offer a settlement of less than half the balance and take my punches as far as my credit goes. I will deal with it. I am not going to not be able to put food on my table and heat my house due to not being able to make a dent in this balance. I don't think this is too much to ask considering what is going on in this country and what we have been through.
Consumer complaint received 2022-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

this company capital one clams charged-off with a owed balance of {$650.00} and yet still reporting negative remarks on this account. This is a formal notice that your claim is disputed. you have false, inaccurate and incomplete information reporting on my credit report including but not limited to incomplete account number. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible!
Consumer complaint received 2021-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Oliver Adjustment Company of Kenosha & Racine, Inc (WI)

On XX/XX/2021, I received a letter dated XX/XX/2021, from Oliver Adjustment company advising me of an attempt to collect a debt for XXXX XXXX XXXX XXXX in the amount of {$1400.00}. ( attached ) On XX/XX/2021, I sent an email to Oliver Adjustment attaching my letter advising them I dispute the debt due to the fact that this matter was settled. I also attached the cancelled check marked " settlement paid in full ''. ( attached ) On XX/XX/2021, I received an email from Oliver Adjustment advising me that they received my email and were awaiting word from their client ( XXXX XXXX XXXX ) re ; clarification of the charges. ( attached ) On XX/XX/2021, I received a phone call from Oliver Adjustment who left a voicemail. I called back, left message. They called back again, I answered and they attempted to collect the debt. ( recorded phone call ). I advised they couldn't do this until they validate the debt. ( pictured attached ) On XX/XX/2021, received a phone call from Oliver Adjustment. They left no voicemail and I was not able to answer in time. ( picture attached ). 

On XX/XX/2021, I received a letter from Oliver Adjustment dated XX/XX/2021, attempting to collect the debt again. ( attached ) Since my disputed letter of XX/XX/2021, I have received no validation of the debt, Just 3 attempts to collect.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zenith Financial Network Inc (CA)

On or about XX/XX/XXXX I was contacted by phone by someone named " XXXX '' from Zenith Financial Network ( ZFN & Associates ). A letter from them is attached. 
He stated he could resolve a debt of mine from ( or transferred to ) XXXX Credit Card, original debt balance {$9200.00}, and it would be settled for {$1900.00}. I was confused at first, since I had never dealt with or had a credit card with XXXXXXXX XXXX  Upon looking through my records, I saw it was the same original debt and same last 4 digits of my card number from XXXX XXXX XXXX XXXX XXXX. That debt had been transferred to XXXX XXXX XXXX XXXX. Back in XX/XX/XXXX, I entered into a court settlement agreement to make monthly payments to XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX. I was paying {$96.00} per month, after a one time payment of {$4000.00}. The balance of the debt as of XX/XX/XXXX was approx {$3000.00}. 
I told XXXX I was already making payments on this debt. The caller excused himself and said he would look into it. Two days later on XX/XX/XXXX he called back and said in effect that XXXX XXXX had been contacted and if I paid ZFN {$1900.00} everything would be cleared and " go away ''. Reluctantly but wanting to pay the debt off early I agreed to make the payment. 
In XXXX of this year after the automatic payments to XXXX XXXX stopped coming out of my checking acount, I believed everything was cleared and the matter resolved. 
Earlier this month of XXXX, I received a notice from XXXX XXXX saying a Judgment was pending against me and that I owed them {$4200.00}. I have now entered into a new agreement with them.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX  XXXX Balance : {$150000.00} XXXX XXXX  XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc. (MA)

On XX/XX/XXXX, XX/XX/XXXX and XXXXCredit Corp. Solutions published potentially negative major derogatory information on my credit report. 
In XX/XX/XXXX I contacted them and requested a copy of the complete original agreement I completed in my own handwriting at the time of purchase. This information would include, my name, ADDRESS, telephone number, social security number. 
They responded by sending me a computer generated pricing addendum, credit card agreement and statements all with an ADDRESS that I had not lived at for XXXX years. 
I NEVER RECEIVED THEIR BILLING. 
I called them repeatedly and rewquested what I am requesting now and even spoke to them on the telephone several times and they refused my request. 
I even told them several times that I had sold that house in XX/XX/XXXX and that the county Resgistrar of Deeds can verify that fact. 
I also stated that I had been using my Post Office Box for my address since XX/XX/XXXX. 
Can you please assist me in obtaining the original handwritten document I completed at the time of my purchase in XX/XX/XXXX. Thank you for your time and courtesy.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XX/XX/2021
Consumer complaint received 2021-09-11
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fradulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

FEDLOAN XXXX Balance : {$150000.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}