davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IN)

To the Team Members who handle complaints ; I live in XXXX IN. My complaint is with Huntington   Bank. 
Issues that I have : 1. Funds deposited to my checking account with Huntington  Bank from a check which cleared over a week ago ; are still withheld without any portion of the funds being released. 
2. I was given multiple/conflicting time frames for which the funds from the check would be released. The policy for holding deposited checks appear to be arbitrary. 
3. Huntington has had several issues with XXXX American customers over the past several months. My check coming from a XXXX Organization appears to follow some of the same unfair and difficult to follow rules that the bank has exhibited in the past few months. 
I have had an account with this back since XXXX of XXXX. I have not had a XXXX balance on my checking or savings accounts. I have not had any NSF/Returned checks/ or fees to these accounts. 
On Tuesday XX/XX/XXXX, I deposited a check for XXXX. These check was from XXXX XXXX XXXX XXXX XXXX, from a XXXX XXXX XXXX  checking account. I contacted Huntingtons call center on Wed because the funds were not available, to see when the funds would be available, I was told the funds would be available 48 hrs. from date of deposit. 
On Friday XX/XX/XXXX, the funds were not showing in my account. I called the call center again. This time I was told the funds would be held for 7 days from deposit. I asked to speak with a supervisor. 
The supervisor that I spoke with was XXXX from Michigan. She was extremely rude and uncaring about my situation. She told me that the bank could hold my check for up to 1 YEAR if they wanted. 
I contacted XXXX XXXX XXXX, to see when they would send the funds to Huntington Bank. To my surprise the check had cleared XXXX XXXX XXXX on XX/XX/XXXX. I decided to go to the branch where I had opened my account with Huntington to see if a manager there would be of assistance. I also brought with me the document showing that check # XXXX, for {$2700.00} had cleared, which was the check that was written to me. 
I was told by the manager there that the check would be held for 10 business days from deposit and NONE of the funds would be made available before that time. The holding time for a deposited check appears arbitrary. 
As of Today XX/XX/XXXX Huntington Bank has not released any of my funds. 
Customer Service/Customer Caring surrounding my issue was/is non-existent.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA 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 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 2019-03-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WI)

I Have A Satisfaction Of Mortgage Dated Back to XXXX They Say Chase is not Chase Loan, On XX/XX/XXXX They Issued a S.O.M. on XXXX Recorded with our Register of Deeds Here in XXXX XXXX On XXXX XXXX XXXX I got a letter from XXXX XXXX  XXXX XXXX of XXXX XXXX XXXX . 
XXXX that the Ref.Id.that chase said it was not there loan That My Loan was paid in Full as of XX/XX/XXXX. I also got a S.O.M. From XXXX. recorded with our Register of Deeds XXXX. This has XXXX. My Acc/ with Chase started on XX/XX/XXXX A S.O.M. It is a Document Generator By a Mortgage Lender It contains that the lender has no longer has any control over owner ship of the property the loan is Paid In Full. Our XXXX. Statutes state That XXXX Statute 706.05 { 10 } and 706.05 { 10 ] { a } This all mess started with the Housing Market crash of 2007 On Oct.6/2007 The Feds Announces that it provide 900 billion Dollars in shot term loans to Banks the Dow cloase below 10,000
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have not been able to get my credit report from transunion. When I call, they say everything is fine and I've asked them to send a copy via mail twice and I have not received it. It has been over a month. I have verfiied my identity like they asked by mailing my ssn and state ID. I signed up for the credit monitoring service which is $ XXXX/monthly and it's impossible to cancel. Their is not easy way. I have tried to cancel but the only way is to call customer service and wait extremely long.
Consumer complaint received 2019-02-07
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 — Problem with personal statement of dispute
Company: Perfection Collection (NY)

On XX/XX/2019, I received an email from XXXX  that a new addresss was being associated with my social security. I immediately viewed my credit report and noticed a delinquent account that had gone to collections. The collection company is Perfection Collection and they bought the collection from XXXX. XXXX is a home security company. My credit report shows an address in XXXX, GA. I have never lived in XXXX. On XX/XX/2019, I called XXXX and XXXX  and requested freezes and fraud prevention bc of the new address and the account. I even filed a police report with the belief that this was fraud. 

I also contacted the collection company. In speaking with them, they advised me that XXXX had installed a home security system at the home with the address now being used on my social. The account had been opened several years ago but recently went unpaid. This made no sense. The collection company advised me that they would delete the account from my credit report given that it was not me and that I did not open the account. XXXX  immediately removed the account from my credit report. However, XXXX  has refused to remove the account. I have attempted to dispute not only the charge but the new address with them on multiple occasions. Following my conversation with Perfection Collection, I did a search of the property address and the owner of the property is XXXX XXXX XXXX. My name is XXXX XXXX. Further searching I was able to determine that she is a XXXX year old, XXXX XXXX  woman. I am a XXXX year old, XXXX woman. Clearly, the collection agency made a mistake with the social security numbers given how close our names are. The tax record from XXXX also shows the owner of the property as XXXX XXXX XXXX. I have submitted proof of my driver 's license, the property record and the email from the collection company telling me the account has been deleted yet they keep denying my dispute. My credit score has gone from an XXXX to a XXXX on XXXX. I have spent countless hours on the phone etc trying to get this rectified to no avail.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX  XXXX  is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$1500.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim oXXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-02-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (TX)

Applied for financing with XXXX XXXX XXXX, XXXX XXXX I XXXX XXXX, XXXX TX. They ran me through multiple lenders, as expected. However, they also ran my girlfriend ( who resides with me ) through multiple lenders, even though none of her information was given. 

She has had multiple hard inquiries on her credit because of this, including through Ally Bank ( Application number XXXX ) and XXXX XXXX XXXX XXXX ( application # not available right now ). 

She was never a part of the purchasing or financing of a vehicle for me, her information was never included in any application. It's obvious someone ran a trace on the address and used all names associated with my address.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Reporting Dear Credit Bureaus I am writing to formally dispute inaccuracies in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit reports, I identified several charge-offs that contain incorrect information. 

The following accounts require your immediate attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The balances reported are inconsistent, and the status is inaccurately listed as a charge-off with current payments. This needs to be corrected and removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : The reported amounts are inaccurate and need to be removed from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : The report contains conflicting information, indicating both charge-off and open status. This incorrect information must be deleted from my credit report. 

According to the FCRA ( 15 U.S.C. 1681e ( b ) ), you are required to ensure maximum possible accuracy in reporting. If you can not verify the accuracy of these accounts, I request that you delete the inaccurate information promptly. Please provide me with all information your bureau used to verify these inaccuracies, including any METRO 2 compliant evidence, within the required 30-day period. 

Failure to comply with this request for deletion will result in my legal team taking action, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of North Carolina, as well as pursuing any further legal actions deemed necessary, including civil punitive damages. 

Upon completion of your investigation, please provide me with an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Experian is reporting incorrect and false information on an account that is currently charged. The account with XXXX shows charged off on XX/XX/XXXX and that is incorrect and should report XX/XX/XXXX. I have contacted the FTC, Attorney if need to be for them to remove or correct the incorrect data.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2022-03-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (PA)

Sent this affidavit to Sallie Mae Bank in regards to proof of obligation to this alleged debt. 

XXXX XXXX } Sallie Mae Bank XXXX XXXX XXXX } XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX } XXXX XXXX XXXX UT XXXX Affidavit Request Proof Of Indebtedness *NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* Date : XX/XX/2022 The undersigned Affiant XXXX XXXX XXXX herein after Affiant, does solemnly swear, declare and state as follows : Affiant is competent to state the matters set forth herein. 

Affiant has knowledge of the facts stated herein. 

All the facts herein are true, correct and complete, admissible as evidence and if called upon as a witness, Affiant will testify to their veracity. 

I am requesting your proof that I am the obligated party to repay this alleged debt. Please validate this alleged debt on account ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Please provide the original instrument of this alleged debt in its original form. Please be aware that any general accounting ledger, statements, or promissory note printed is not proof of obligation. Please provided proof by affirming you did not sale the original note and or transfer it to any third party. I am requesting this information in accordance with the Truth In Lend Act. I look forward to hearing from you. 

Thanks XXXX XXXX
Consumer complaint received 2022-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NY)

Greetings, I opened a new bank account with Ally, I deposited a check once the account was opened. As soon as i deposited the check my account was locked, they asked me for a picture of my social security card, my drivers license and my selfie with holding both ids in my hand. I sent it all the same day within an hour of speaking with them. I spoke to them everyday as they said it would take 1-3 days. Today is day 4 now they are telling me they are still reviewing my submitted documents. So the account is blocked But now the guy tells me they will verify the check, i deposited the check 5 days ago, the check should have been cleared by now. I have worked in a bank i know the check clears in 2 business day from the bank its issued from. Please assist.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I want to bring to your attention the Inaccurate reporting thats being furnished on my consumer report by the credit reporting agencies. These accounts that are being reported is 100 percent Inaccurate. And they should be removed immediately. 
Thank you.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (MS)

On XX/XX/2019, I was checking my credit reports and noticed that Credence Resource Management had submitted an account with my name attached to three ( 3 ) credit files, XXXX, XXXX, and XXXX. This company never sent me a request to validate the debt. This company violated my rights as a consumer.
Consumer complaint received 2019-07-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (FL)

On XX/XX/XXXX i disputed the account because it has a debt that is not correct. i sent over a letter to receivable management services that are collecting for progressive for debt validation. They sent me a paper stating that the policy was effective XX/XX/XXXX and i cancelled it the same day due to the fact that i got a better rate with XXXX. Today i called them to give me a break down on this debt, and they had no information pertaining to this. The representative did state that they do not hold any documents because the of the year of the debt. So the information that they provided to me is not a debt validation of any form. Also she stated that the calls are being monitored and recorded, so she stated that she will see if XXXX can come up with a bill that shows payments. Also stated she said the last payment was in XX/XX/XXXX, but couldn't verify last payment information.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (TN)

I had an XXXX XXXX with XXXX XXXX. They were taking daily payments from my account got XXXX. When I repeatedly told them that my business wasnt making money and to please stop, they continued to withdraw anyway, overdrawing my account. I filed a fraud claim with BB & T, and they have to provide me with proof that I authorized these withdrawals. But they denied my claim and still do not have the proof stating that I authorized these transactions. Yet, I do have proof in emails showing where I requested XXXX XXXX stop withdrawing.