davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (MD)

in XXXX I applied for a refinance with a new lender.since then I have contacted hunting Bank numerous times in an attempt to get the information required for my new loan. 

Huntingdon bank has repeatedly refused to release the important documentation my new lender needs to create the refinance loan.

I've tried numerous times to contact the customer support line in order to get this information released but they refuse to.

every time I've inquired on the status they've pushed back the resolution date they. At one point telling men it would take 24 business days to send a fax. They have also changed their " policy '' several times since XXXX. One day saying they can email information ; the next day saying they can't ; the next day saying any requests for information has to be sent in via fax and can only be returned to that same fax number ; the next day saying they can't send any information to third parties.

After submitting a formal complaint it seems to have made the situation worse and possibly restarted the entire process. at this point when I speak to customer service I can only be told that it is in the hands of the customer advocacy team and that they do not have a point of contact customers.
Consumer complaint received 2020-10-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

Erroneous, damaging information was not removed from my credit file. Experian, XXXX, XXXX  did not verify information within the prescribed 30 days. Have not removed erroneous accounts from credit file.
Consumer complaint received 2021-12-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Hello, I sent 3 dispute letters to XXXX XXXX  and equifax on XX/XX/XXXX disputing incorrect information from my credit reports and have not received any response as of yet. it's been 3 months, what is going on? I sent another letter to each of the credit reporting agencies in XXXX but, nothing again. From what I understand, if the credit reporting agencies don't respond they have to remove the disputed accounts, well, that is exactly what I am requesting - I want XXXX, XXXX, and equifax to remove the accounts I disputed on XX/XX/XXXX which are XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  and there is also an inquiry on my credit report that I never initiated from XXXX on XX/XX/XXXX that I would like removed.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

Equifax is violating my consumer rights. Equifax continues to report inaccurate, incomplete and unverified information of bankruptcy docket # XXXX on my file # XXXX. The court confirmed that they did not provide any information to credit reporting agencies, nor do they ever validate and/or verify public records. Equifax buying this inaccurate, incomplete, and unverified information from a third party does not absolve them from accountability. Equifax 's noncompliance of 15 USC 1681i ( 5 ) ( A ) ( i ) which states, " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' Equifax continues to violate this law as they have not deleted the information which constitutes willful noncompliance and is subject to civil liability for damages.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-03-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc (NM)

Collection Bureau of Ft. Walton Beach , INC sent me directly to collections for an XXXX bill dated XX/XX/XXXX. The amount is {$290.00}. This is the first I have heard of the bill as we were never sent any request for payment in 6 years. I was XXXX XXXX XXXX and hit by a drunk driver. My insurance should have covered all charges. 

Multiple letters have been sent by my parents, XX/XX/XXXX, being the date of the last letter sent. My mother has called twice and been hung up on. I have called 3 times and was sent straight to voicemail. 

I want to emphasize that this was 6 years ago and we were completely blindsided by this debt collector. We never received any bill from them. They instead, send us directly to collections 6 years later.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My debit card experienced unauthorized charges in the early morning of XX/XX/21, two series of transactions for {$2300.00} at various ATMs and {$7200.00} at multiple XXXX XXXX and XXXX convenience stores. I called to immediately report these charges to my bank, Chase, as soon as I noticed them that morning and told them the circumstances surrounding the charges and suspected theft of my debit card. I asked Chase if I needed to file a police report to move forward with this fraud claim and I was told I did not. I then proceeded to file the fraud claim with Chase the following Monday XX/XX/21 when their claims offices were available. I just found out today that my fraud claim for {$2300.00} was denied based on not having a police report and because the stolen debit card was returned to my room later in the morning of XX/XX/21, even though it has now been multiple days since the incident and I am not in the same city, XXXX XXXX, where this happened.
Consumer complaint received 2021-12-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-03-24
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NV)

The company is reporting inaccurate and damaging information on my credit report. The company failed to give notice prior to reporting this item on my credit report. They also failed to validate the debt. The date opened, date of last payment made is wrong, credit limit, high balance amount, responsibility, and payment status is reporting inaccurately. There is also missing information not being reported. There is also inconsistent information being reported to different bureaus. Why isn't your data consistent between various credit bureaus if the information is supposed to be 100 % accurate and complete? How can you tell the credit bureaus you verified this information when your own information being reported is wrong and inconsistent. The furnisher reported doesn't even have a record of this information or account. I called them and they have no record of anything you are reporting. What did you do with the money you said was paid? Who did you report this to and do you have proof? What account was this applied to?
Consumer complaint received 2021-12-07
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've been trying to resolve this acct since XX/XX/2018 with no resolution from XXXX and Transunion. I have sent SEVERAL account verification requests and this acct with XXXX XXXX  XXXX has not been verified by Transunion XXXX XXXX. I also sent a validation request directly to XXXX  and they couldn't verify the requested information. I have attached letters sent to credit bureaus and XXXX Also there's attached the answer from XXXX with the validation request. 

I need your help to resolve this matter. Thanks for your prompt response and cooperation with this matter.
Consumer complaint received 2019-05-06
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. (IL)

So a few months ago I fell contacted XXXX XXXX XXXX in regards to putting some of my past due payments on the back because I was no longer and fell behind .At first they were not willing to work with me, so I had to take the complaint a step further, which is when I was contacted by XXXX XXXX Executive offices, who agreed to place the past due payments on the back, once I paid down I want to say a month or so. Once I did that they would place the remaining past due payments on the back, and update the late payments with the credit bureaus, because I faced a hard ship. Yet here I am months later and my credit reports still shows the late pays and it showed that I missed a payment which I did not since they put the past due payments on the back of my loan. The end story is that they are being misleading, by not 100 percent following through with what they said. I am truly grateful that they put the late pays on the back of my loan. But yet they promised to remove the late pays and did not, and reported another false late on XX/XX/19. This is absolutely insane!!!
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NY)

I am a victim of Identity theft. A fraudulent XXXX  XXXX XXXX checking account was opened in my name and is on my EWS report. It is preventing me from moving on with my life because I can no longer establish any relationships with any financial institutitons. I filed an Identity theft Report with the FTC that I've attached here.
Consumer complaint received 2022-12-29
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX5 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX attempted to fix the issues personally many months from XX/XX/2022 til XX/XX/2022 then had a credit repair team attempt to fix it from XX/XX/2022 to XX/XX/2022 at this point the 3 credit bureaus and defaming me and I framing that all reports not with dates that dont match and incorrect information be deleted immediately I spent over {$300.00} buy a printer, ink, stamps and envelopes and countless hours doing so. I then spent {$140.00} a month for 3 months with a credit team. Its defamation of character next step will be to sue. Also paying for Experian and XXXX XXXX  months
Consumer complaint received 2021-03-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

Two months ago I wrote letters to Experian, XX/XX/XXXX & XX/XX/XXXXXX/XX/XXXX & XX/XX/XXXX responded in 30 days but Experian did not. XX/XX/XXXX & XX/XX/XXXX corrected the error but Experian failed to respond & I can not dispute again. The collection agency isXX/XX/XXXX with a balance of {$730.00}. This account is incorrect & the debt does not belong to me. This account is only reporting on Experian. This error is affecting my credit score & my financial standing. Please fix this. I can be reached at XXXX or XXXX. Also experian is reporting incorrect names as well, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are all incorrect.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My Walmart credit card account was removed off my credit report all three of them this morning on XX/XX/XXXX account number ending in XXXX and I would like for this account to be re-inserted back on my credit file thank you I called capital one and spoke to a supervisor and she refused to help me and giving me a hard and she also refused to transfer the call to a higher office and was acting too shy of assisting me over the phone this is unprofessional and I was also discriminated on a credit review and Ive been with capital one since XX/XX/XXXX XXXX still stuck on {$400.00} limit with a credit score of XXXX with XXXX  and right now the account is not reporting to the credit bureaus as of today
Consumer complaint received 2021-03-24
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 — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

CITIZENS BANK Re : Acct # XXXX To Whom It May Concern : I am continually being called on the telephone by your firm over an alleged {$10000.00} debt. According to the information given to us by your firm, the date of last activity by the original creditor was XXXX XX/XX/2008. The State of Limitations on this alleged debt, even should it be ours, is 5 years in the state of Florida. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. 
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Consumer complaint received 2022-07-04
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. (LA)

according the Fair Credit reporting Act and XXXX accounts : 1. XXXX XXXXXXXX Account # XXXX 2.XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX 4. U.S bankruptcy Court Account # XXXX is in violation of my rights. 

under false pretenses shall be fine under title of 18, imprisioned for not more than 2 years or both. " 15 U.S.C. 1681q See the FCRA specifically provides ( 1 ) the consumer report for a purpose which the consumer report is authorized to be furnished under this section ( 2 ) the purpose is certified in accordance with section 1681e of this title by a protective user of the report through general or specific certification. As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) cost of litigation together with attorneys fee. 15 U.S.C. 1681n ( a ).