davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Ive approached Huntington Bank Located in XXXX Illinois over XXXX times by going inside the branch and called numerous of times more then XXXX sadly .... Huntington bank is holding my funds and will not release my hard earned money. This is illegal seeing HOW NO OVERDRAFT BALANCE IS THERE. Huntington has No right or legality to keep my money when none is owed to them and The balance can be payed down. I had 5 accounts with Huntington, The accounts have a positive balance from DIRECT DEPOSIT FROM MY JOB this proven direct deposit always comes to this bank and the rest of the money in all XXXX accounts belongs to me also I AM THE OWNER. I need to be able to walk into Huntington Today and withdraw my money. XXXX I would like you to EXCLAMATORY push to Show the laws of the people to Huntington immediately enforcing them to release all funds to me if none owed and Id like you to push the notice that IF NOT I WILL SUE AS FAR AS LEGAL LAW ALLOWS. Please help me get Huntington Bank to release all funds positive to its owners
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 15 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 2024-08-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On several occasions I have tried to signed into PORTFOLIO RECOVERY ASSOCIATES , LLC. I have called and is given the run around and asked a lot of questions on how I am trying to login. On the website it looks quite easy, until you fill your info in, then you are rejected. I have never seen my acct. on the website due to the problem of logging in!! This is a debt I owed to a credit card and have paid consistanly and am about to pay it off. 
The XXXX of every month {$150.00} is taken from my acct. 
I would like to see the website WITH my acct.on it, saying what is going on with it.And am now concerned, if I pay it off. What will be the next thing ie. I want the poaperwork showing everything. And also this was given to be via sheriff dept. and I got right on it. Though I am concerned as to what will happened when payed off, when I can't even get into the website!
Consumer complaint received 2024-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

Ive made repeated attempts to contact MOHELA in early XXXX via their message system on their website after MOHELA transitioned to a new platform about inaccuracies between the balance on my student loans before the transition and after, the status of my application to the SAVE Program submitted prior to the transition which no longer shows as pending, and being told my loans payments are administrative forbearance while my application to SAVE program was pending and that no interest would be accruing and yet payments were deducted from bank account and interest accrued during the alleged forbearance. I have had XXXX response from MOHELA to any of these requests. I called customer service twice last week and the week before and was on hold for 2.5 hours on the first call and 3 hours on the second call before hanging up out of sheer frustration. MOHELA should penalized again for wasting millions of dollars for providing extremely poor customer service and extreme delays in processing applications.
Consumer complaint received 2023-10-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (WI)

I loved Earnest at first when I refinanced and consolidated my private student loans. The rate was good and experience fine. 

The bad parts come after my in-school ( for grad school ) deferment. My deferment extension was denied ( due to being in a business PhD and not law or medical school ). This should tell you XXXX things : XXXX ) the company has very poor risk management ( they are not able to deal with risk on a more granular level than if you will be a doctor or lawyer - making no use of publicly-available job and salary data ) and XXXX ) the customer service agents are inept ( a representative told me on the phone not to worry about the extension- which was then denied by a different person ). 

The above is now in the past- the company has responded ( poorly ), but they have done so. Here is where this complaint begins : When repayment began, the roughly {$260.00} minimum payment the representative quoted on the phone in XXXX ( I have a follow-up email from her, which doesn't record the amount, that was sent on XX/XX/XXXX - the call should be recorded ) when we discussed what the worst case scenario of an extension application would be ) had become nearly {$400.00} by XXXX. How could she be so wrong? How could the company miss the mark that much, by not only encouraging me not plan for much given the chance of an extension and then being off my nearly double? 

Then the worst part : I received a paper bill indicating {$0.00} due by XX/XX/XXXX. When I log into my account to see why repayment hadn't begun, I notice the {$380.00} payment required by XX/XX/XXXX. This is trickery in its clearest form and a very clear effort to both XXXX ) rack up fees and XXXX ) extend the length of the loan and interest-bearing period. I received the paper bill on XX/XX/XXXX with the due date of XX/XX/XXXX.
Consumer complaint received 2024-07-08
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. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2019-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

XX/XX/2019 my checking account was charged fraudulently for two transactions one for XXXX in the amount of {$200.00} and XXXX for {$91.00}. None of these two transactions were authorized by me. I filed a dispute and the {$91.00} was already approved and returned to me however the one for {$200.00} has not, my bank which is Regions denied my dispute because according to them I authorized it. I have filed a police report already aswell. But I think it is really unfair that they did not approve my claim. I am going to provide the police report for the claim that has not yet been approved. Hopefully that helps. They also try to add my debit card information to a XXXX XXXX   account. I don't even have an XXXX phone.
Consumer complaint received 2024-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (NY)

RE : Divorce index XXXX, XXXX, XXXX Referee XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX. 
New York Supreme Court. XXXX. 

Marital property address : XXXX XXXX XXXX, XXXX, MA, XXXX Mortgage holder ss # is XXXX. 

The account number with community loan servicing was XXXX Monthly payment = XXXX aaccording to XXXX XXXX on XX/XX/XXXX. 
unpaid principal was XXXX, as of XX/XX/XXXX. 

XXXX not on the note and am not on the mortgage, according to XXXX XXXX on XX/XX/XXXX. spoke with XXXX XXXX on that date. 
The loan sale was " up to the investor, a private company, XXXXXXXX XXXX XXXX', according to XXXX XXXX. they could not give me the information, since I was not on the mortgage. 
I am on deed and title of the house above. 

The note holder ( XXXX XXXX ) signed a retainer agreement with attorney XXXX XXXX, who benefits from the sale of the property. There is also a second mortgage and my signature XXXX have been forged. 

I have tried to pay US Bank the monthly payments, and the funds were returned by US Bank to the note holder, XXXX XXXX, after they deposited my funds. 
XXXX XXXX has not provided an explanation for this. 
They will not sell me the loan. They'll only " trade a massive portfolio of thousands of loans to a bank '', I was told by XXXX XXXX. I was told that they would give me the contact information. XXXX XXXX XXXX XXXX XXXX was a contact, they stated. 

XXXX XXXX has XXXX the foreclosure process. as of XX/XX/XXXX. 
US Bank has refused to speak with me since commencement in XXXX and has charge me and the note holder fees. 

US Bank claims that I am not on the mortgage. 

The foreclosure is now XXXX land court, for those in the military. Once the deadline passes, they can start the state part of the foreclosure- they will have to give XXXX weeks notice. 

My name will be published in business west, even though I am not on the note. This will destroy my career and my ability to earn a living. This is defamantion and extortion. 

Attorney XXXX XXXX of XXXX made misstatements in court under oath about the downpayment on the home above. Attorney XXXX stated that XXXX XXXX had made the downpayment on the home, which is not correct. 

I would like to own the paper and start charging default interest and penalties and impact XXXX XXXX 's equity.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The accounts were fraudulently opened using my identity, social security number. 

I was not aware of this account until I received a summons from XXXX XXXX courts. 

A family member used my identity to open up a credit card without my consent or knowledge. 

To prove my innocents, the bank account used to make payments do not belong to me. 

The address used to received the billing statement and other information pertaining the fraudulent account does not belong me to, nor have I ever lived at that address.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MA)

On XX/XX/year> I was alerted of a fraud request for a credit card. I called Citi and they cancelled the request for a master card. I have since notified all 3 credit agencies of the Fraud and my credit has been put on watch for 1 year. I want to make this permanent as if the scammer knows my SSN and my date of birth I am concerned what else they can do knowing this personal information.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have auto pay with Capital One set up to take {$59.00} per billing cycle. My minimum payment was increased to {$63.00} and they charged me {$39.00} late fee got being {$4.00} short of my minimum payment. i believe the increase in payment was due to an increase in my interest rate which i was never notified about. How can a company charge {$39.00} late fee when the consumer made a good faith payment. I do admit to being particularly bothered that they can assess a {$39.00} fee for a payment that is only {$4.00} short of the required amount. There needs to be more oversight on these companies and the arbitrary amount they can charge as a late fee
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Driveway Finance Corporation (TX)

I am now requesting proof of previous investigation. I am asking that you send me your method of investigation. 

Along with records of whom you spoke with, their business address, name and phone number As well as documents that proves this account was late, including NOT receiving payment from a third-party online payment processor system If you can not provide me with this information within 15 days, please update this account to paid/never late and send me a copy of my updated credit report
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a letter stating that I have a balance due on a discharged account.

Form 1099c was issued for the discharge of the account in question, in accordance with 26 CFR 1.6050P-1. As the debt has been officially discharged, this agency is prohibited from collecting any payments on the discharged account.

Any attempt to collect payments on a discharged account would be in violation of the regulations set forth under 22 CFR Part 1306.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I mailed a certified letter to the debt collector on XX/XX/year> disputing an incorrect account reporting on my report. I asked for specific items to validate the account is mine and I have not received anything that validates this account is mine or that I am the rightful party that owes this debt. I also mailed a letter to all XXXX credit bureaus on XX/XX/year> asking them to investigate this account for me & get back to me within 15 days and I have not heard anything back from the debt collector nor the credit bureaus. I would like to have this account investigated and if the account can not be validated, I would appreciate it if it were deleted from report as the law states it should.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

XX/XX/year> XX/XX/year> XX/XX/year> I sent several goodwill adjustment letters for late payment removals. 
Dear, CAPITOL ONE BANK I am writing to inform you about Section 602 of the Fair Credit Reporting Act, as outlined in 15 U.S. Code 1681. This section addresses the permissible purposes for which consumer reporting agencies may furnish consumer reports.

Under Section 602, consumer reporting agencies are only allowed to provide consumer reports to entities that have a legitimate business need for the information. These permissible purposes include evaluating a consumer 's creditworthiness, making decisions regarding credit or insurance applications, and conducting employment background checks.

In addition, I would like to draw your attention to Section 605b of the Fair Credit Reporting Act, which requires consumer reporting agencies to provide consumers with a summary of their rights under the law. This summary must be included with any adverse action notice or when a consumer requests their credit report.

If you have any questions or concerns about how your credit information is being accessed or used under Section 602 or Section 605b of the Fair Credit Reporting Act, please feel free to contact me for further assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (CA)

I received an unsolicited debit/VISA card from Chime.com ; Chime XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 

XX/XX/year> - I received an unsolicited text from Chime XXXX stating " Your Chime account is ready! Just download the app to access it : XXXX XXXX XXXX '' My XXXX  received an email addressed to me stating that I have a Chime account. 

XX/XX/year> - My XXXX  called XXXX to report that a fraudulent account was set up. It was under my name, my phone number, but my XXXX  's email. They stated that they would shut down the account. 

XX/XX/year> - I received a Chime debit card/VISA in the mail with my name on it. 

XX/XX/year> - I tried to report the fraudulent card to Chime by calling the fraud number, which again, was XXXX. The only option was to have them call me back on my phone number, to verify the account, or provide the last 4 digits of my SS # and the last 4 digits of the card number. I tried both ; having them call me back 2x and it disconnected me 2x. Then I selected the other option, input my info and it disconnected me again. They knew my name, SS # last 4 digits, phone number, etc. and that I had an account connected to the phone number.

There were only 2 options ; 1 to receive a call back, and 2 to input my info.

This is fraudulent and the company provides no assistance and is 1 ) not responding to fraud OR 2 ) is sending out fraudulent, unsolicited credit cards. They have too much information on me and I NEVER apply for credit/debit cards and have a hold on my credit for this exact reason. 

Nationwide Multistate Licensing System ( NMLS ) Identification : Chime Capital, LLC XXXX ID XXXX In CA : Chime Capital, XXXX holds a Debt Collection License, License Number : XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have sent complaints to the company directly as well as to all XXXX credit reporting agencies. This false incorrect information continues to be reported on my credit reports Equifax, XXXX, and XXXX. 

These accounts do not belong to me but yet they continue to report these accounts XXXX account # XXXX XXXX account # XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-19
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: EQUIFAX, INC. (TX)

" I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Consumer complaint received 2023-05-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (MD)

Since XX/XX/2023, Westlake financial has been calling several times a day and more than 7 times within one week. They repossessed my car and provided misleading and inaccurate information about the process. My car was repossessed when my payment was 54 days last due ; however, I was informed during a prior call that it would not occur until 60 days past due. When Ive tried to communicate with a representative, I was told I was lying. They cut me off, spoke over me, and addressed me in a belittling manner.