davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I am disputing four transactions made from my sons checking account ( Account ending in XXXX. My son is a minor and I am joint on the account. ). These were disputed on XX/XX/XXXX over the phone. Additional documentation was provided at the branch on XX/XX/XXXX. Communication dated XX/XX/XXXX was received confirming no additional action was required. It also noted that {$80.00} would be credited to my sons account. This has not occurred. I received a letter from Huntington dated XX/XX/XXXX indicating that a portion of the dispute was being denied. I attempted to resolve this at the branch on XX/XX/XXXX with XXXX for over an hour. Because this could not be resolved, she committed to returning my call on the XXXX. I did not receive a call. I followed up on XX/XX/XXXX via phone and left a voicemail at XXXX XXXX. I still have not received a return call from the branch. 

Today I again attempted to resolve this via phone and was unsuccessful. I have asked for Huntington to provide me with evidence that supports their perspective that the claim was resolved in part and canceled in part. Huntington is indicating that information was not received on two transactions totaling {$35.00}, but this request was never received. Additionally however when I went to the branch on XX/XX/XXXX, I was assured by XXXX that nothing additional was required. 

Huntington also indicated that two transactions totaling {$80.00} were rejected by the institution however they can not provide me evidence to that effect. I feel like my son is owed {$110.00} for these disputes or satisfactory evidence should be provided to demonstrate that the letter they sent to us was incorrect and poorly drafted. I feel that the letter was deceptive and not able to be understood by average people. I was referred several times to the statement as it is the complete evidence of an account. Because the transactions were not reflected on the statement, they never occurred, and therefore they could not be disputed. The letters from Huntington are deceptive, incomplete, and take advantage of the consumer. 

Huntington owes my son the money for the disputed transactions. I want it refunded to his new account. Alternatively, if the money is not owed to my son, I would like to see evidence of that. So far they have been unwilling/unable to commit to providing me that.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

Paypal credit. Synchrony bank closed my account in XX/XX/2020, I had disputed over XXXX  Dollars of unauthorized charges and they never responded nor removed them, and continue to charge interest on them, Ive called several times only to be put on hold and transferred to fraud team who never picked up and after 20-30 minutes kept hanging up or disconnecting call.
Consumer complaint received 2022-05-20
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: OneMain Finance Corporation (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for purpose.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

I received a letter on XX/XX/XXXXadvising me that the Loan Depot had returned my {$750.00} bimonthly payment made on XX/XX/XXXX. Another one was mailed out on XX/XX/XXXX that has not been returned. The due date from my loan is XX/XX/XXXX. I acquired this refinance loan in XX/XX/XXXX and have been paying every two weeks since the first payments were due. I have never been behind and the monthly payment total due is {$1200.00}. I am remitting {$1500.00} each month by the due date in {$750.00} payments every other Tuesday. I contacted Loan depot in attempt to fix this and was advised they " Loan Depot '' would be happy to set up a payment of twice a month to come automatically out of my bank. I was told they will NOT accept a partial payment from me. I do not want the mortgage company to have control of my payments and when they are made. I do not understand why they can set it up internally yet, not allow it externally. I am actually paying an extra payment a year to principal on my schedule. This allowed me to budget my money and it has been a struggle during the pandemic with my husband working part time. They did not remit my insurance payment they collected from my escrow timely resulting in it expiring and me having to pay money down to keep it in effect until they would pay it. They finally paid it in XX/XX/XXXXwhen the insurance company billed them again. I continue to suffer severe anxiety due to the inability to structure my budget accordingly. I am the one paying the fees for failure to remit timely payments if they return the payments because it is not a full amount on the actual date. This must be against some law and fair practice. I would like any information that allows for me to make my payments and protect me and be sure they are paying my house insurance with funds they have collected. Loan # XXXX
Consumer complaint received 2020-12-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (GA)

I am a long time Navy Federal customer w/ a credit score over 800. I tried to refinance my car loan from XXXX  to NF. I have no debt with the exception of the car loan, house paid off. I was denied a loan based on my income of {$1400.00}. I combine a savings account and my SS for living expenses. I was recently approved w/ NF for a new mortgage. I have not used the mort. loan and understand if I do I would need to pay off the car, which I can do. I was told I would know instantly, then 2 hrs, then 24 hrs and now 2-3 days. I feel like I am dealing with people who dont care or understand debt to income or get my situation. Pls help.
Consumer complaint received 2022-12-20
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: STATE EMPLOYEES CREDIT UNION (NC)

I previously filed complaint # XXXX. Thus far XXXX still has not corrected the incident and as a result I have continued to be denied for everything that I applied and my limits are now being reduced as a result of this. I was in the XXXX XXXX area and I was declined for the XXXX loan and the XXXX XXXX XXXX  as a result of this. I received a letter stating that they would take care of this issue and it still has not been corrected. Also in the response they sent back to you they mad it seem as this was my fault when all I wanted was for the minimum payment to be taken out of the my account. They made the mistake to pay a set amount. In the response XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated I signed a authorization. I was not even in the state, I called to do this. I feel that this issue is about them having power and not doing the right thing. I would like to be sure that they do not treat anyone else like this and they all must be stopped and should not be able to work at any bank helping people.
Consumer complaint received 2021-09-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I paid off my auto loan with XXXX in full. The loan originated on XX/XX/XXXX. I never had a late payment during the loan. 

Because I paid off the loan and closed the account XXXX lowered my credit score by 41 points and the rating to fair. Equifax lowered my credit score by 39 points. 

As a result of their actions the rates I would be charged on new loans demand a higher interest rate as well as reduce the market for companies willing to loan to me. 

I protested to the companies and was told I was a higher credit risk since I closed the account which lowered my credit rating. 

This is absurd since by paying off the account I reduced my monthly debt by {$550.00} which intern increased my liquidity by {$6600.00} annually. 

I feel they should have done the complete opposite and increased my credit rating due to the perfect history for the loan.
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Please help its been frustrating time with the covid-19.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: American Profit Recovery, Inc., Marlborough, MA Branch (OH)

XXXX XXXX XXXX XXXX has been paid off since XXXX of XXXX. There are numerous late payments reported and I was never late paying the note. I have called constantly to rectify the problem and was told that it would be taken care of. I am in the process of purchasing a new home and I am having trouble with these late payments. Please have them removed and report as " Paid as agreed '' XXXX XXXX XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX AMERICAN PROFIT RECOVE XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX I have filed an FTC report on all of these items along with the numerous inquiries reported on my credit file
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From XX/XX/2021 to XXXX there was unauthorized charges on my credit card totaling {$7300.00}. I did not authorize those charges and no one else is on the credit card account. Initially Bank of America reversed all the charges, but after there very very short investigation, they decided that the charges were not fraud. In their letter to me they stated, " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' I have sent them numerous letters including a signed IDENTITY THEFT VICTIM 'S REQUEST FOR FRAUDULENT TRANSACTION/ACCOUNT INFORMATION. I have also sent them signed letters that I did not give permission to anyone to use the card. My last valid transaction on the card was XX/XX/2021. 
I have been able to contact one of the Merchants ( XXXX ) to reverse a {$25.00} charge on the account. I contacted XXXX for a {$6.00} charge, which they could not locate the card in their system because they said it was locked out because of fraud. I have reached out to other Merchants whose phone number was valid. I will attach a full copy of the transactions.
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (FL)

I can not login to my paypal account. I lost My phone so I can not use the authenticator app for 2 step verification. Also, my phone number has changed. The only 2 options for 2 step verification in paypal are text to phone number and authenticator app, so my paypal is now useless to me. When I Call Customer service, I wait for hours for a callback which never comes. I need a manager to call me and fix this.
Consumer complaint received 2020-12-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO. (CA)

I called chase today about a charge from XXXX. I was being charged for items I returned to them. Chase said tge vendor provided proof of the delivery. I never signed nor accepted the merchandise. Chase allowed the vendor to charge me even though I didn't receive the merchandise and returned.
Consumer complaint received 2023-03-23
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: World Acceptance Corporation (IL)

This account XXXX XXXX is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I was absolutely stunned this morning when I saw inaccurate accounts on my credit report, and I have no clue how this couldve happened. I checked my credit report like I always do, but this time there were errors out of nowhere. I even refreshed my browser hoping it was some kind of glitch, but unfortunately, it wasnt. The wrong accounts were still there after refreshing. This whole experience has me deeply concerned, and I am urgently requesting that the documents Ive provided be thoroughly reviewed so I can finally stop worrying about this nightmare.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 9. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report
Consumer complaint received 2024-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NV)

XXXX XXXXXXXX XXXX XXXX XXXXXXXX of XXXX XXXX XXXX refuses to allow customer equal credit account of XXXXXXXX XXXX  and correspondence to customer contains XXXX XXXXXXXX XXXX infringed banking notice data in sabotage to customer by thing XXXX of XXXX XXXX than XXXX spells the characteXXXX XXXX  ' of keyboard and XXXX currency is XXXX toward english legal name that's equal to XXXX XXXX XXXX 
XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2020-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (VA)

I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

This company has been reporting wrong information. 

My demand is TO GET THE 2 ITEMS REMOVED FROM ALL 3 CREDIT BUREAUS, and is based on many damages and several violations that they have committed : 1. Excessive phone calls. 
3. Falsification of account info and charges, 4. Violations of XXXX. 
5. Violations misrepresentation of facts, 6. Missing date of last activity. 

Accounts : Account number 1 : Account Name : ENHANCED RECOVERY CO L. 
Account # XXXX, Date Opened : XX/XX/XXXX. 

Account number 2 : Account Name : ENHANCED RECOVERY CO L. 
Account # XXXX Date Opened : XX/XX/XXXX I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Please sed the attached documentation to this company. 

Thank you.
Consumer complaint received 2020-12-28
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. (MS)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (PA)

On XX/XX/XXXX I called the XXXX XXXX One Main Financial to f

ind out what the balance of my loan was. I was told {$5100.00}. This check cleared my bank on XX/XX/2020. One Main w as getting automatic payments on a biweekly basis in the amount of {$91.00}. 
On XX/XX/XXXX, I contacted my bank and told them not to release anymore payments to

One Main Financial. I received a call from One Main Financia
l on XX/XX/XXXX telling me they wanted to retract the paid in full bill ; and for me to pay the additional amount of money in the amount of XXXX On XX/XX/XXXX a bill was produced amount of {$180.00}. 
On Thursday XX/XX/XXXX ( the date I received the bill ) I called the branch to find out why I received this bill. I was first told it was because the pay off amount was returned from my bank, which was untrue. Then I was told it was because the {$180.00} was due prior to the balance being paid, it should have been included in the payoff amount but was not. The bill that was produced on XXXX XXXX it says the amount must be paid by XX/XX/XXXX. I called and sent an email to the corporate offices, and was told I would have to resolve it with the XXXX XXXX branch. 
On XX/XX/XXXX I received another bill dated XX/XX/XXXX. This bill shows the payment amount of {$510000.00}. It also shows a late fee of {$91.00}. This could not be possible because the payments were automatically deducted from my account. 
On this bill it also has an amount adjustment of {$91.00} stating it was applied to the balance. This bill shows the total balance I owe as {$3400.00}. 
I do have documentation of the paid in full receipt, the bills, and the date the {$5100.00} was paid from my bank. 
On XX/XX/XXXX I gave the person I was talking to for payoff my debit card number, as I was paying off the loan from a different account then they had on file. Because of the amount my bank would not let the debit card be used. On this same phone call I gave my account number and routing number for the checking account to be used. The approval from the bank was given at that time. 
I am very concerned about this not being resolved and having a negative effect on my credit.
Consumer complaint received 2020-12-27
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.