davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (IN)

My electric payment from XXXX XXXX posted on my account on XXXX XXXX,2017 for {$91.00} and some change and this payment showed clear after I made a transfer of {$130.00} from my second account that I have with Huntington which has my direct deposit. My XXXX XXXX was returned and I was charged two {$37.00} returned check fees. Huntington offers a 24 hour grace period but I was denied the grace because of an earlier complaint I made against them for discriminating against XXXX XXXX with regards to fees they charge them as oppose to their XXXX XXXX when it comes to them applying their 24 hour grace promotion. I have started an online petition with thousands of complaints and I will file a Class action lawsuit if all my fees are n't returned into my account within 30 days. They have misleading marketing when it comes to their 24 hour grace period because they pick and choose which ethnicity they extend that option to and it must STOP. .
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2019-02-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I XXXX XXXX purchased a XXXX XXXX XXXX. On XX/XX/XXXX I financed it through XXXX XXXX I made all payments on time. On XX/XX/XXXX I refinanced this loan with Bank of America. Made all Payments on time.In early XX/XX/XXXX, My car was stolen and then recovered. It was a total loss, I continued making payments though out this process. The payoff check from the insurance was processed XXXX XXXX. Which left a balance of XXXX on the acc. 
After this I heard nothing from BOA and could access the current Balance on my Online mobile banking. So XXXX 's Payment went though, XXXX 's payment went though, and XXXX 's payment went through. My Payment Date for this loan is XXXX of each month. So then on XXXX XXXX I get a notification that a Charge off was placed on my Credit files with all Three Bureaus from BOA. Stating that {$210.00} was charged off??? and isn't due till XXXX XXXX which would be my last payment. This is crazy I Made all Payments. 
I Spoke with XXXX XXXX and she was not helpful, and for a week I got no repose. Then they fabricated a whole Story about how i was suppose to Pay off that Balance of {$850.00} with in 60days, then they said i had no GAP which I do.. when I said had " no notice '' of this arbitrary 60 policy, she stated they wouldn't remove it. Even though they were auto-debting the acc every month. Bank Of america is blatantly trying to save face and not fixing this false Charge off. I am inclosing a full payment history which shows on time payments. I had to get a print out from the a bank Employee because they where told not to give to it to me, But Lucky there own employee saw how wrong they where treating me and printed it off for me anyway.The cover up of this false Charge OFF is sicking!! ACC of this loan as it was deleted off my online Banking for this reason. But i have the evidence. My Previous Credit Score Was XXXX This Damaged my Score over 75 points. All of this for no reason!! And they refuse to fix it. 
And also the XXXX XXXX Lady had the audacity to try and collect the {$210.00} that never should of been charged off in the first and still not fix the charge off on my credit!!!! I will Pursue legal Action If this isn't fixed. And to think all these idiots had to do was wait till the auto-debt on the XXXX of XXXX the payment would be done!!! even on the credit report the BOA states Charge Off Never Late How smart is that? Again This XXXX lady couldn't answer why the charge off was placed on my acc even though they still where getting payment.
Consumer complaint received 2019-02-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AZ)

the debt was with XXXX, they sold it to a company called XXXX, they also reported to my credit report- and I paid XXXX  - and they removed their derogatory mark but XXXX is still reporting as a closed charge off - i've asked them to remove it all together since ive already paid the debt and they don't
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I am writing to you today to address concerns regarding my credit report and request rectifications in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, 15 USC 1681c-1, and 15 USC 1681c-2 .

Pursuant to 15 USC 1681b - Permissible purposes of consumer reports, I would like to assert my rights to an accurate and up-to-date credit report. The FCRA stipulates that consumer reporting agencies, like yourselves, must ensure the accuracy of the information they provide. I have reviewed my credit report, and I believe that there are inaccuracies and discrepancies that need immediate attention.

Additionally, I wish to invoke 15 USC 1681c-1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts, and 15 USC 1681c-2 - Block of information resulting from identity theft. I believe that my personal information may have been compromised, leading to fraudulent activity on my credit report. To protect my credit profile and financial well-being, I have placed fraud alerts and actively monitored my accounts for any signs of identity theft. These actions have been taken in compliance with the FCRA, and I expect your cooperation in rectifying the inaccuracies stemming from any fraudulent activities. 

Furthermore, 15 USC 1681c-2 provides me with the right to request the blocking of information resulting from identity theft. As a victim of identity theft, I hereby request that you block any information on my credit report that has resulted from this criminal activity. It is crucial to my financial stability that these discrepancies are removed promptly. 

In light of the above, I kindly request that you investigate the inaccuracies on my credit report and take the necessary steps to rectify them as per the FCRA. I believe that once these issues are resolved, my credit report should reflect an above-excellent standing on all accounts, as it should accurately represent my creditworthiness and financial history. 

I understand that the FCRA requires consumer reporting agencies to investigate and respond to consumer disputes within a reasonable time frame. I request that you adhere to these legal obligations and provide me with written documentation of any actions taken in response to this request. 

Please acknowledge receipt of this letter and begin the investigation process as soon as possible. You may contact me at XXXX or XXXX for any further information or clarification you may require. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute in accordance with federal law to ensure the accuracy and integrity of my credit report. 

Sincerely, XXXX ; XXXX
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Paid full balance of expiring balance transfer, but Citi Bank applied the balance to balance transfer expiring next year. then they change full interest on expired balance. Also, No way to pay balance to the near expiring balance offer. Even if we pay full balance on due date, still they change interest on mid billing cycle balance transfers offer.
Consumer complaint received 2023-08-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This information being reported on my consumer report resulted from identity theft. Ive never provided you or any furnisher written instructions in accordance with the Fair Credit Reporting Act to furnish anything to my consumer report without my consent. I have kids and trying to better my life for me and them, but it has been a struggle for me. Due to your unfair credit reporting methods that's damaging my reputation which is vital to me for being able to properly operate in commerce. Please fulfill your vital by exercising your grave responsibilities with fairness and respect my consumer right to privacy.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (MA)

Transfer paperwork was submitted to XXXX in XX/XX/XXXX, on XX/XX/XXXX I received an email saying the transfer was completed. XX/XX/XXXX a collections item appeared on my credit report from XXXX, I never received a single notice & discovered this because I regularly check my credit. They never updated my forwarding address that was submitted on the paperwork, never completed the transfer & instead canceled my account before opening a new one in the new person 's name leaving me with a balance due when 3 separate representatives confirmed the balance was {$0.00} when the transfer was completed. I've gone back & forth with XXXX since XX/XX/XXXX, repeatedly being promised calls back & never getting any. XXXX Supervisors repeatedly unable to explain why the transfer wasn't completed, my address wasn't updated or why the transfer paperwork isn't on file. This has ruined my credit & caused me about 9 months of pain & suffering trying to resolve this. XXXX failed to keep legal documents on file & continue to try to cover their own XXXX with a new excuse each time I follow up.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX charged me annual fees {$40.00} on credit card which I was not aware of. I requested them to refund {$40.00} fees as customer courtesy one time only but they are forcing me to pay.
Consumer complaint received 2018-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (MT)

On XX/XX/2018 I Placed a Sell Order for XXXX Litecoin for a total ( USD ) XXXX with a disclosed fee of ( USD ) XXXX according to the GDAX  Order Form. Having Placed the Order I only received ( USD ) XXXX and was charged a fee of ( USD ) XXXX. Please see the attached photographs as evidence and proof.
Consumer complaint received 2023-08-17
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  XXXX # XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-17
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. (NY)

XXXX, Experian and XXXX are reporting closed accounts as currently late by placing information inaccurately onto my consumer report. XXXX XXXX account was paid and closed in XXXX of XXXX. However, I am currently being reported as currently late every month while showing a XXXX balance. ( See attachment ) XXXX XXXX XXXX Nevada is reporting this information purposely in this way to lower my score. The credit agencies have said that their hands are tied with respect to updating the information and that I would have to subpoena the results of the investigation if I wanted them. I have never received any results of the investigation I am requesting showing that the furnisher updated the CRA with accurate information. 

Furthermore, per U.S Code 1692a my transactions and experiences are not to be shared with anyone except the organization and this is a direct violation of my rights as a consumer.
Consumer complaint received 2018-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (OH)

I havent officially complained about this issue yet, but only because I cant get through to Santander Bank. Im XXXX and when I call their XXXX   line, Im on hold forever until it finally just disconnects. I tried calling their main number using a  XXXX  service but the representatives are either hanging up on me or Im getting disconnected with them as well. So my complaint is this ... I have two erroneous charges on my debit card. They appear to be atm withdrawals. There are also some atm fees. Im attaching a screenshot of the unauthorized ATM charges. Please open a dispute claim for these and send me a new debit card.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

I have asked Experian to please remove the security freeze that is on my account. It has been longer than 90 days and it renewed on its on. I want it removed because I have trouble when applying for something online.
Consumer complaint received 2018-08-06
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: EQUIFAX, INC. (MD)

I have filed 3 disputes with Equifax concerning an account that belongs solely to my deceased husband. After my husband 's death, I found out that I was listed as an " Authorized User '' on my deceased husband 's XXXX account with XXXX XXXX XXXX XXXX. I never knew about said XXXX account, never used said XXXX account, nor do I have any financial obligation or agreement with XXXX XXXX XXXX XXXX re : said XXXX account. I only found out that I was listed as an " Authorized User '' on my deceased husband 's XXXX XXXX XXXX XXXX XXXX account when I called to notify all of his creditors of his death. I even mailed a letter dated XX/XX/2017 to Equifax from XXXX XXXX XXXX XXXX that clearly states that I was listed as an " Authorized User '' of said XXXX account and therefore I am not responsible. I asked Equifax to completely remove the account from my credit report. They refuse to remove the account. I also contacted XXXX  and they immediately removed it from my report. Equifax needs to remove the XXXX XXXX XXXX XXXX XXXX account from my report as it is not my account and I am not financially responsible for the account so it is unlawful for them to report an account that I am not legally liable for.
Consumer complaint received 2024-10-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IN)

Midland Credit Management filed a collection lawsuit on XX/XX/XXXX without giving notice or giving me the opportunity to request a verification of debt. I had moved on XX/XX/XXXX and submitted a change of address with the XXXX. The forwarding XXXX expired in XX/XX/XXXX. XXXX then claimed to have served me with a copy of the complaint and summons, by posting and mailing, on XX/XX/XXXX at property I had not lived in for 17 months! A simple search of property records would have shown the name of the owner/resident of such property. The documents were served by process server who did not identify anything about the property and failed to note the fact that the residence WAS NOT AN APARTMENT. Midland then filed for default judgment 20 days after claiming it had perfected service. I did not know this lawsuit existed until XX/XX/XXXX when a relative saw it on the Indiana electronic filing portal and emailed it to me. By time I could respond, the court had already rubber stamped the default. I am an elderly person who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to the stress this has caused, I was XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

Hi I am submitting this XXXX XXXX his 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 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  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 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX 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.next step is to take XXXX  to court to sue for defamation of character of my name and damages that was caused to me 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 120 days 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 87 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. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX.
Consumer complaint received 2018-12-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

The homeowner is a XXXX year old senior citizen who has a loan with One Main. The homeowner has been paying her mortgage on time since XX/XX/2000 which should have been paid off. The homeowner still have a balance of approximately {$4500.00}. XXXX contacted Lender for update status. This is a revolving line of credit. I have enclosed her payment history. She is not willing to pay anymore towards this mortgage until she receives some answers to where her mortgage payment is being applied and believes that she should receive a refund for over payments. She is asking that you please assist with this mortgage and provide an update.