davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (VA)

I received a call from XXXX XXXX XXXX who left voicemails for both my wife and myself. I called them back. 

They stated they sent me letters ( which I never received ) and were pursuing legal action on behalf of Huntington National Bank regarding a bank account I had in XX/XX/2011. 

I was advised I was being served notice. They threatened me with judgments but never disclosed themselves as a debt collector. 

To date, I have received no notice of this debt. 

When I requested a statement of all of the charges on my account to show how I could be overdrawn {$500.00}, they refused. I was never that far negative on the account and they are refusing to provide the account history. 

They told me I have no right to see it. When I advised them that I just wanted to see what I was being charged for on my old account statements since they are pursuing legal action, the woman was very rude to me and hung up. 

In XX/XX/2011, I was recovering from a bankruptcy. I had lost my job. I was suddenly divorced and owed child support. I have spent the last 7 years of my life recovering from the hardships I went through in XX/XX/2011. 

I finally caught my delinquent child support up last year. Ive paid several other creditors who I defaulted with. 

I would like to work with the bank to resolve the matter but I want to know what they are charging me for before I arrange any payments. 

I dont understand why she would tell me I have no right to know that information when she was threatening me with judgements.
Consumer complaint received 2018-07-31
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. (OH)

On the date of XX/XX/2018 I sent a certified letter requesting Equifax to investigate the accounts that were appearing on my credit report and to send me proof and original signed contract with my signature on it using Section 609 ( a ) ( 1 ) ( A ) which they are required by federal law to show proof that the debt is valid and they have not been able to prove this information. I have also sent a second letter on XX/XX/2018 requesting a second time for Equifax to remove student loans that are appearing on my credit report and I have disputed them as fraud and have submitted a FTC fraud form along with 2 police reports stating that these accounts are fraud and that they should be removed due to fraud and that the company XXXX can not produce an original signed document with my signature. I am requesting assistance with this issue I have also sent them a copy of my XXXX report that shows that theses accounts have been deleted due to the fact that these companies did not verify with XXXX that these accounts were valid, however Equifax has continued to state that these accounts have been verified but has not submitted proof. I am prepared to move forward with legal action with guidance from your office if that is an option for me. I am attaching documents that support my claim. Two notarized disputes letters, Copy of deleted accounts that I have disputed with XXXX, Certified mail receipts to Equifax, Two policed reports for identity theft, and the FTC Identity theft report. 

I thank you in advance for your effort and attention XXXX XXXX
Consumer complaint received 2018-07-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (NV)

In XX/XX/XXXX, my brother XXXX XXXX went to XXXX XXXX with his ex wife. She was trying to purchase a car. The salesman ran her credit and said she was denied. So they asked XXXX how is your credit? He said I am not sure. They got his Id, information, and ran his credit and told him they can get him approved for a auto loan in his name only. They asked him about his income and if he had proof of income. XXXX got XXXX and get a SSI check for XXXX a month. His only source of income. After he helps out with the bills he barely has money for a haircut. He gets food stamps. If he was to get approved for a car it should have been a used car under 8000.00 and with a XXXX month car payment. XXXX is XXXX XXXX as well. He is XXXX. He was presented with a good deal as the salesman said. A brand new XXXX more money for the salesman ). XXXX XXXX XXXX. XXXX was financed for this car@XXXX month. No one considered a debt to ratio for his car payment. And XXXX a month for insurance. I research and called 2 attorneys and was advised XXXX never should have been approved for this car. His income should have been between 1500.00 to 2000.00 a month at least. But his is only XXXX a month. I believe he was taking advantage of because 1 he is a minority and they wanted to put him in debt. Knowingly his income was too low for a XXXX car payment. 2. He has a XXXX and XXXX. He probably didn't understand. We have tried to help him much as possible with these payments that never should of been approved. I don't know of anyone with a Income that low that gets approved for a brand new XXXX. I want XXXX XXXX and XXXX XXXX XXXX  to make this matter right. If not we will seek legal advice and a attorney representation. Hyundai has damaged XXXX credit with reporting negative on his credit report. We want this revised to show good standing. We also want XXXX XXXX and Hyundai to refund all monies. XXXX was so depressed after he got this car. Worried about paying for it and keeping it. He ca. XXXX XXXX due to XXXX XXXX from his XXXX XXXX from XXXX. He went in XX/XX/XXXX and got a job. Hoping to keep his payments current. Stressed and worried from all the rude and consistent threatening phone calls. He got a job .but been so stressed out about his car on his 3rd day on the job he had a XXXX. Multiple XXXX, he been to XXXX. And is now on XXXX XXXX XXXX. Both entities play a part in his failing health. He never should have been approved for this car loan with his income. Please see attached documents.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Over the past three years there is a XXXX account that keeps popping up on our ( my spouse and mine ) credit report. After providing documentation it is removed to come back on in six to nine months. We are never alerted to the account getting ready to report, which per the FCRA we should receive a notice within five days of the account to be posted to our reports. Once this account is removed from one report, the status changes on the other bureaus ( changes from Joint to Individual or the last reported date changes but the account number stays the same ) and we have watched this happen not only on this account but on several of the others. This account has been sold three times to other " collection companies '' that are actually part of the same company and still reporting the same account - this is per the XXXX Legal Department who has helped me with this issue. 
After consulting with the three Credit Bureaus ( over 15 calls placed to them over the last four days ) we were told the following : 1. We could resubmit the information ( this is after I faxed, emailed and regular mailed the information ) and the bureaus would get back with me.

2. Regardless of the laws passed in the FCRA, I am not able to submit to the three bureaus any account that I have that isn't being reported if that company is not a paid member of any of the bureaus - see the Town of XXXX, XXXX docs below 3. I may submit, in writing, a statement to be added to my report but it will be screened and up to the bureaus to add it to my report and will be removed after 30 days ( it will take approximately 90 days to approve it ).

4. If there is a disputed item, the company has 90 days to review the claim and E-Oscar will handle the claim, not the company.

5. If it is found that I am in the right, then the credit bureaus have 90 days to remove the account in question. 

I have received screen shots, emails and documents from some of the companies that have requested that their accounts be removed or updated on our reports and the bureaus have not completed the requests, or the scores are not updated when the items are updated. Our scores fluctuate around 20 to 60 points per month because of all of this. Since the Credit Bureaus have control over everything dealing with our day to day life, dealing with these bureaus has become quite the experience. We have spoken to people from XXXX ( call centers ) to supposed supervisors to specialty departments with very little solution to our issues. Please help!
Consumer complaint received 2018-07-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MS)

I filed Chapter XXXX bankruptcy in XX/XX/XXXX. It is now XX/XX/XXXX and it appears as if I have just bought my home. Through the course of this bankruptcy I have paid 12 to {$1300.00} per month which amounts to approximately {$50000.00}. My principle has not decreased and OCWEN states via mail they have only received {$8000.00} over the course of this process. They are threatening foreclosure if I do not pay {$8000.00} by XX/XX/XXXX.
Consumer complaint received 2018-07-30
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. (NC)

XXXX XXXX is reporting late payments on my credit report every 15 days so my credit report is showing late payments up to 90 days. Spoke with the customer care rep at the mortgage company and asked why after the XX/XX/XXXX day are they reporting it late and I was informed that anything after the actual payment date can be reported. Its never 30 days late and I even sent them a goodwill letter and was told nothing could be done once they reported it. Contacted all three of the credit bureaus and was told in less than 15 days that the investigation was complete and no changes where made. I was no longer eligible to dispute again, because according to them by law they had done what they were suppose to!!
Consumer complaint received 2018-07-31
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Intermex Wire Transfer, LLC (SC)

I sent a transfer of {$200.00} on XXXX XXXX. I only found out the money was not claimed in the month of XXXX of XXXX, 7 years later. I am attaching the receipt of my original transfer. Now when i find out that the money was not claimed the company states they have tried contacting me all this time. I have always had the same address and I haven't received anything from them until now. they want to only return an amount of {$57.00}. I am requesting the original amount be returned to me of {$200.00}. i not more for interests for holding onto the whole amount all this time. I would love for this issue to be solved as soon as possible and not let any more time drag on.
Consumer complaint received 2018-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Hello, I opened a dispute due to three fraudulent charges on ( XX/XX/18 ) in three separate amounts of ( {$28.00} ), ( {$1000.00} ) and ( {$850.00} ). I was charge by XXXX for three different amounts in the same day. This is not a normal pattern. My account was not flagged to alert me about these charges, so when I saw them on my statement I filed a charge back and was denied. I do not use XXXX nor do I have one that I set up. After opening up a dispute chase sent a letter informing me the credits provided will be reversed after reviewing the claim because they are valid. I contact chase Bank on XX/XX/18 at around XXXX XXXX and spoke with the fraud department and a young women informed me that because they saw a charge before to XXXX and I did not disputed on my account for that XXXX payment, so this debit was valid. I informed the agent that I have never used XXXX and asked to speak to a manager, but she said one is not available. I am sending this email to have this reviewed, because this is a fraudulent transaction not authorized by me. I do not understand how three charges in that large amount were made to XXXX and I was not alerted by the fraud department. Please review and correct. I really rather not take my business to another bank, but will if not resolved correctly. There are a ton of complaints about the same issue and XXXX fraud online. Please contact me by email or by phone at XXXX. My name is XXXX XXXX. 

Thanks Charges below on XX/XX/18 to XXXX. 
{$1000.00} {$850.00} {$28.00} Claim number : XXXX Card ending : XXXX Account ending : XXXX XX/XX/18 : Spoke with an agent from XXXX XXXX TX with the name XXXX at XXXX XXXX. He stated that the information they provided was my address and name, which if my card is number is stolen they have that information because. Then he stated they sent an ip address which is in the XXXX and I stay in the XXXX. Which is no where near me. He stated that since it was close to me that I am responsible for the charge and then stated that there was more information and I asked him to send it to me and he hung up the call right away and did not contact me back. 

XX/XX/18 : Called back about XXXX and spoke with XXXX . Informed of situation about the guy hanging up and she did not apologize nor had a concern at all. She stated a manager will call me back and she will send the proof. She lacked any kind of empathy as if she cared or not.
Consumer complaint received 2018-07-30
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: Experian Information Solutions Inc. (CA)

There are credit inquiries on my credit report that I didn't authorize. This has been an ongoing problem that stemmed from Fraud about 6 years when I filed a Fraud Report with this credit reporting agency. 

My credit report is noted : MUST CONTACT BY PHONE TO VERIFY IDENTITY. I just recently had another Fraud Alert attached to my credit report about one month ago and I continue to get hard inquiries.

There are two inquiries both from : EXPERIAN CREDIT REPORT  UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXXXXXX XXXX XXXX   XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX XXXX   CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX-XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ
Consumer complaint received 2018-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

ERC XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$410.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XXXX XXXX THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT TO BEGIN WITH. ERC IS AGGRESSIVELY ATTEMPTING TO COLLECT THIS DEBT THAT I DON'T OWE AND DOES NOT BELONG TO BE IN FIRST PLACE. I CONTACTED THEM SEVERAL TIMES WITH NO LACK, RESPONCE THEY PROVIDED ZERO VALIDATION OF THIS ACCOUNT, I ALSO CONTACTED XXXX WHO DID NOT FIND AND PAST DU EACCOUNTS IN MY NAME AND UNDER MY SOCIAL #. I COMPLAINT WITH BUREAUS WHO STATE THAT ERC HAS VALIDATED THIS ACCOUNT. ERC IS CALLING MY WORK, MY PARENTS HOUSE AND THREATENING TO ARREST ME OR LIEN MY HOUSE IF I DIDN'T PAY THIS AMOUNT IMMEDIATELY, THIS SHOULD NOT BE ALLOWED!!! PLEASE HELP
Consumer complaint received 2018-04-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (IL)

I have asked numerous times TCF bank to talk to a manager. I was treated rudely by the girl at the front desk. Stating she was the only one to talk to. I tried calmly to explain my situation. As I had an alert put on my account so that I wouldn't go over. But for some reason TCF bank didn't put it on or removed it. Now they have charged me over {$2500.00}. in overdraft fees and taking all my money that I am trying to feed and house my children. I am going to be homeless with my family. All because of TCF banks horrible practices. They are literally stealing my hard worked money. This is wrong. I contacted Attorney General and they submitted a complaint to your office. I really need HELP ASAP befroe my family and I are homeless due to the practices of unrealistic overdraft fees. And also not contacting me when this first began. I tried to speak with someone to no avail. The girl at the TCF branch at XXXX XXXX XXXX in XXXX XXXX Ill. basically said oh well not our problem!
Consumer complaint received 2018-07-30
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. (NY)

I am a victim of identity theft, i have reported to the police, I have items on my XXXX and Equifax reports that are fraud I notified those reporting bureaus numerous times with copies of the credit report circling the fraudulent accounts, accompied by the police report a copy of FCRA 605B,  my identification, social security number, and address proof, however these companies XXXX and Equifax refuse to remove said fraudulent items after numerous attempts to do so according to the law. Because of there negligence I have been denied credit and jobs over the past six months. I want these accounts on my credit reports immediately as they are fraud and these 2 companies were notified and refuse to abide by the laws set forth by the FCRA. the accounts are on my report are ; All fraudulent accounts- XXXX XXXX XXXX - {$12000.00} XXXX XXXX XXXX - {$31000.00} XXXX - {$5900.00} XXXX XXXX - {$19000.00} XXXX XXXX XXXX - {$9800.00} and Inquiries are on account that are fraudulent, XXXX XXXX XX/XX/2018 XXXX  XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 ALL ABOVE ITEMS BOTH EQUIFAX AND XXXX REFUSE TO REMOVE FROM MY REPORT AFTER NUMEROUS REQUESTS AND SIGNED ADVIDAVITS TO DO SO AS I WAS INSTRUCTED BY THE FCRA ACCORDING TO SECTION 605B ( WITHIN 4 BUSINES DAYS ALLOTTED BY LAW. 

I DEMAND THAT THE FOREMENTION FRAUDULENT ITEMS BE REMOVED IMMEDIATELY BY XXXX AND QUIFAX CREDIT BUREAUS IMMEDIATELY AS I WILL BE FORCED TO TAKE LEGAL ACTION IF THEY ARE NOT REMOVED IMMEDIATELY.
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (GA)

Hello, I received a letter from XXXX XXXX XXXX, XXXX on XX/XX/XXXX for my Care Credit account. It claims that I owe a debit collection agency {$3200.00} for my Care Credit card. 

Last year, I paid off this Care Credit card on XX/XX/XXXX for {$2600.00}. On XX/XX/XXXX I was charged another payment of {$2600.00}. Therefore, in two days, I paid XXXX XXXX {$5200.00}. Both of these payments are highlighted on the attached XXXX XXXX   statement. 

I contacted XXXX XXXX and told them of the mistake. I asked that one of the payments be put towards paying off the Care Credit balance. I also asked that the other payment be refunded to me. A few weeks later, I received a voided check from XXXX XXXX that I could not cash. At this time I asked my bank to get involved and dispute the second payment. On XX/XX/XXXX, I received a refund for {$2600.00}. This is also highlighted on the attached XXXX XXXX   statement. 

Now, the Care Credit card was paid off on XX/XX/XXXX. I have contacted XXXX XXXX  customer service team no fewer than ten times over the past year. I have sent my bank statements to multiple people at XXXX XXXX. Every time, it is ignored and I receive letters and phone calls stating the debit was not paid. Every time I explain the situation and they tell me they are opening a dispute and to wait thirty days for a resolution letter. This letter is never sent and yet the phone calls, late fees and debt collection letters continue.

Now this debit has been placed with a collections agency and it has affected my credit score. I will dispute the erroneous credit score,  since the account has been paid off for a full calendar year.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

On or about Monday, XX/XX/2018, I submitted a XXXX orders from XXXX 's to be shipped to my granddaughter, to XXXX, NY. I put the wrong billing address for the bill to be paid on my charge card. I have called on several occasions to correct the problem. I am told it is to late. The problem is I don't want my credit card number going to this address. I have spoken to several workers, XXXX, XXXX XXXX and XXXX XXXX. 
I am told they have fixed it and I should be getting an email since Monday. ( XXXX ). The order number is XXXX. When I called today it is the same problem.