davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I deposited a check on XX/XX/XXXX for {$6000.00}. I put it in ATM. I knew it would be on hold.I {$100.00} in the account before deposit. I was able to use my debit card until XXXX XXXX  that day when at the gas station my card was denied- told it said restricted. Called cust. serv. immediately - told my account was revoked and the check was on hold for a week. No reason for revoking my debit card. Told unable to use it until hold is off. Was told it's how they do it. I went to the branch on XXXX the next day - doors were locked - not enough staff. So I went to drive thru -demanded to know what was going on with my card. was told my account frozen. told them money was in there before the deposit -they got permission - gave me the XXXX I had in the account. I was told that my account was done & needed to shred my debit card ( they had it inside for ID purposes ) I demanded a meeting with manager, they referred me to XXXX XXXX at XXXX XXXX and gave me her number. I called. Spoke with her and she said she would figure it out and call me back. She did not. I called her. She stated that check on hold til Monday and account frozen until the check clears because -was deemed poss. fraud. It was a check from my uncle who borrowed me money for a debt consolidation to fix my credit. He was called by XXXX ( his bank ) gave the OK to fund the check. Received a letter dated XX/XX/XXXX stating there is a hold and would be released on XXXX. On XXXX I got notified via email that funds were available. Tried to use card still can not .Called cust. serv. told they put an addl hold with a different dept on check. Now told me it may be XXXX before it is available. Am told possible fraud. Also stating Citizens not funding. This is a lie. I still can not use my card -my payroll went to this acct today. II am now behind on all of my auto pays on my card in my account, I am now instead of XXXX in debt, XXXX because I have to make payments on this money that is on hold. You can see all of my documentation attached. In addition I have made a dozen called to the local branch and customer service. I am being treated like a criminal and I literally did nothing but make a large deposit ( large to me and apparently the bank ). This is financial profiling! 

Desired Settlement : I want my money. I did nothing wrong. The hold had been done as stated in the letter PLUS some. It is my money from my XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (TX)

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX. I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why XXXX XXXX is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.
Consumer complaint received 2022-10-05
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Alaska, XXXX Name : XXXX XXXX XXXX : XXXX Phone : XXXX Email : XXXX Account # XXXX XXXX Late payment date : XX/XX/2022 15 USC 1681 - ( 2 ) ( A ) ( 1 ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a Transaction.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

You are NOT allowed or permitted to furnish any type of reports that contains bank statements or any experiences or transactions that I have with your financial institution as the LAW clearly states above this paragraph please immediately remove the late payment reporting that was furnished to the credit reporting agencies/ Experian, XXXX, XXXX XXXX.
Consumer complaint received 2023-10-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NJ)

My grandmother called me to tell me that Midland Credit called her home in another state to collect a debt and I never gave them her number. They have been calling Unknown and from odd numbers at all times of the day. The account was closed and then reopened without my knowledge or authorization so I would like for them to cease all communication with me and my family. XXXX XXXX has been paid and I will not pay the debt twice. Please forward my 1099-C.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services (NC)

On XX/XX/2023 I received a alert from XXXX XXXX stating that there was a remark make on my XXXX account from LendMark services stating that my account was increased by {$200.00} between the months of XXXX 2023 to XX/XX/2023. No missed payments were reported to that credit account. I went to the local branch on XX/XX/ 2023 and spoke with a representative loan specialist about the remark that was made and she looked into my account. She stated that the account on file does not show an increase in amount and the amount that was reported to the credit bureau is significantly more than the amount that I owe. She then went through my payments and stated that I did not have any missed or late payments so I also was not charged any late fees. She stated there wasn't any annual fees added to my account either so she did not see where those charges would come from. The loan specialist suggested to dispute the remark made to my account to XXXX and XXXX. She stated that she will print off my payment history if I needed to submit them to the credit bureaus myself to prove there was not an increase in my balance. My credit was negatively impacted by the remark that was made.
Consumer complaint received 2023-02-06
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)

My name is XXXX XXXX. I have inaccurate information reporting to my consumer report. The data furnishers are not in compliance with FCRA. I am a victim of identity theft and these accounts a fraudulent.
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

Ashley Home Furniture is trying to collect nearly {$10000.00} in debt after someone fraudulently opened up an account in my name, I talked to both the loan people, XXXX  XXXX  and Ashley about this and they are still trying to collect a debt that is not mine. They told me someone in XXXX  did this, I dont even live in XXXX  . Each time I report it to my credit bureaus they agree with me, but Ashley again and again tries to ruin my credit by putting this on me.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MD)

I keep receiving multiple robo calls and voicemails a day from " spoofed '' phone numbers from " Comenity Bank '' See list below to see the XXXX calls made they made to me since XX/XX/23 ( the last XXXX weeks ) Comenity Bank Company Address : XXXX XXXX XXXX XXXX, OH XXXX or XXXX XXXX XXXX. XXXX. XXXX OH XXXX or XXXX I never gave consent for this company to call me. I have NO accounts or debts with this company and NEVER have. 
They are calling to look for a person " XXXX '' who is NOT ME This abusive and harassing calling behavior has negatively affected my work, because I get multiple calls per day. 
I block the numbers used, but they just spoof new numbers every day to call from. 
I have blocked unknown numbers from ringing on my phone, but it's caused me to miss important phone calls from my doctor. I have nearly missed appointments because of my need to block all unknown calls due to Comenity Bank.
Consumer complaint received 2022-10-05
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: DISCOVER BANK (CA)

I made a purchase with my Discover credit card for a downloadable computer game " XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  '' for {$24.00} on XX/XX/2022 from XXXX XXXX XXXX. I downloaded the game and found it incompatible with my computer. I contacted XXXX to cancel the order and receive a refund but it was refused. I disputed the transaction on XX/XX/2022 with Discover stating that the merchant " XXXX '' sold me and incompatible/incomplete product. Discover however reversed the dispute stating : Transaction has been found to be valid. 
A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. 

Dear XXXX XXXX XXXX, Account number ending in XXXX XX/XX/2022 We've finished our additional review of your disputed transaction and found the charge to be valid based on the merchant 's documentation. Please know that we considered any information you submitted as well as information submitted by the merchant. 
Case Number : Merchant Name : Dispute Amount : XXXX XXXX XXXXXXXX XXXX {$24.00} Accordingly, the temporary credit previously applied to your account has been reversed. To give you better insight into our decision, we are including a copy of the documentation we received from XXXX XXXX XXXX If you still have concerns about the outcome of the investigation, we encourage you to work with the merchant directly. 
Please note, the disputed transaction has been reposted to your account and will appear on your next monthly billing statement. This amount will be included in the calculation of your next minimum payment due and the calculation of interest on that statement, if applicable. Your next payment due date will be reflected on that statement as well. Please refer to your current billing statement for your current payment due and payment due date. 
We are required to report your account to the Consumer Reporting Agencies as a disputed account until you advise us to remove the dispute status. If you have any questions, you can call our 100 % U.S.-based service team at XXXX ( XXXX ). 
Sincerely, Discover Card Customer Service
Consumer complaint received 2022-07-04
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. (CA)

I sent a letter on XX/XX/XXXX requesting Experian to reinvestigate and update this Account from my report during the investigation period. As of this date, the Experian has failed to respond to my written requests. Experian must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (CA)

My XXXX XXXX XXXX daughter lives in XXXX XXXXXXXX XXXX in XXXX, XXXX and her initial 6 month lease required her to have a co-signer which I acted as. After the first 6 months, my daughter elected to enter a new lease with a new roommate at the same apartment complex which I did not co-sign. Months passed after my daughter signed the new lease when I received an email from a Hunter Warfield, a Debt Collection company in XXXX, XXXX stating that they were attempting to collect on a {$4100.00} debt from my daughter 's lease in XXXX. No information regarding an amount owed to XXXX was ever received by me from XXXX nor the Hunter Warfield at any time prior to receiving this email and no information or details were provided by the debt collector other than the amount owed. 

Both XXXX XXXX XXXX. and the Hunter Warfield have violated a number of debt collections laws including failure to report the debt within a specified time frame and yet XXXX and XXXX refuse to remove the debt from my credit report stating that they verified that the debt information is valid. I also hired a lawyer to send a cease and desist letter to the Hunter Warfield threatening legal action if they did not remove the bad collections report from my credit record and since sending the letter, no action has been taken. 

I believe the XXXX XXXX debt to be completely false I believe that a number of debt collections laws have been violated in the process. I want to report both companies for their failure to follow federal and state debt collections laws and for not removing the collections report from my credit report.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

Regarding XXXX payments made on Williams Sonoma Credit Card issued by XXXX Bank which was originally Barclay Card. Payments which have not been reflected in the statements issued to her and in the outstanding balance due. In XXXX Barclay Card was William Sonoma credit card company they used. In XX/XX/XXXX Barclay Transferred to XXXX Bank Card. Since XXXX all payment were made the same way. 

XXXX {$1000.00} Payments were made from XXXX account XXXX and account XXXX to William Sonoma and William Sonoma states they did not get them! WE are missing {$5000.00} or so XXXX  bank states! XXXX payments in the amount of {$1000.00} each were made to XXXX Bank ( The same way each week via bill-pay from XXXX bank for XXXX past XXXX plus years ). Each week a payment of {$1000.00} was made. Each payment was electric from XXXX to XXXX some way for the last XXXX  years NO changes! It is set-up automatically for weekly payments. I noticed that my payments were not posted, so I called XXXX Bank and they stated I did not make the payments. I called XXXX Bank. XXXX Bank and I called XXXX Bank and once again they stated the payments were not made. XXXX and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. XXXX stated since no changes were made to the payments for the past XXXX  years they could not help me ( basically since I sent the payment the same way for the past XXXX  year with no changes electrically no fraud was found ). Below are the payments that are missing XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. We Believe the funds went to the old Barclay account ending in XXXX and are sitting in limbo after doing a thorough audit.
Consumer complaint received 2024-10-27
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: EQUIFAX, INC. (FL)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2020-05-19
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. (FL)

Experian and XXXX  should not be reporting a collection/charge in the amount of {$610.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account originated with XXXX. This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-07-03
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: ENOVA INTERNATIONAL, INC. (FL)

From : XXXX XXXX XXXX To : NetCredit/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX CEASE and DESIST Order I, XXXX XXXX XXXX XXXX a federally protected consumer, did not give XXXX XXXX D/B/A CEO of NetCredit, or NetCredit, lawful authority or consent to obtain or disclose my nonpublic personal information. Pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) t ( C ). I am aware that transferring another persons identification information without lawful authority or consent is a violation pursuant to 18 U.S.C 1028. Pursuant to 15 U.S.C 1692c ( c ), I hereby order XXXX XXXX D/B/A/ CEO of NetCredit and NetCredit to CEASE and DESIST communication ( The term, communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ) I am demanding XXXX XXXX D/B/A CEO of NetCredit, and NetCredit to CEASE and DESIST communication with my Consumer Report and remove the inquiry from my Consumer Report immediately! I am aware that furnishing this inquiry on my Consumer Report is in fact communication. In General.- The term, Consumer Report means any written, oral, or other communication of any information by a consumer reporting agency pursuant to 15 U.S.C 1681a ( d ) ( 1 ). If XXXX XXXX D/B/A CEO of NetCredit, or NetCredit fails to comply pursuant to 18 U.S.C 894a ( 1 ) ( 2 ), XXXX XXXX D/B/A CEO of NetCredit and NetCredit shall be fined under this title and imprisoned not more than 20 years or both. Pursuant to 18 U.S.C 1028A ( 1 ) ( 2 ) XXXX XXXX D/B/A CEO of NetCredit and NetCredit shall be imprisoned not more than 5 years. Under Florida Security for Public Deposits Act, any qualified public depository or other bank, savings association, or financial institution or custodian that violates a Cease and Desist ORDER or corrective order of the Chief Executive Officer is subject to an administrative penalty not exceeding {$1000.00} for each violation of the order. Furthermore, the violation of any order to cease and desist is a misdemeanor of the second degree, punishable as provided by statute.I will be forwarding this to the Attorney General, XXXX XXXX as well. 

With Prejudice, XXXX XXXX XXXX ( A Federally Protected Consumer )