davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bank forced me to put a fraud product on my acct or close it due to someone trying to use one of my company checks fraudulently. Huntington bank made a mistake entering the acct information which resulted in my company payroll not going through two months straight. This resulted in wire fees and NSF fees which never should have happened. I asked them to take the product off and they said they did. Two weeks ago, I had to write manual checks for payroll. My employees went to cash the checks and other banks would not honor them. I went to Huntington to find out why and it turns out that they never fully took the fraud product off and the teller blocks remained. I worked with them to get it removed and it still is not done. Some of my employees still have not been paid two weeks later. The money is in my account but I am unable to access my own money due to the blocks, and I can not get money to my employees. I have had to XXXX money out of my personal funds to make sure my employees have money. They need to get this resolved. It is affecting my small business negatively.
Consumer complaint received 2024-06-03
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. (LA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

BY THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, and XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX HAS VIOLATED MY RIGHTS.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 AN 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 IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (IN)

I asked the transaction he halted and the company be blocked. Rude customer service said nothing they can do about it, it's pending and they were done discussing or further assisting me on the matter. {$9.00} was charged to XXXX and there's absolutely no account with them in my name whatsoever.
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (IL)

I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.
Consumer complaint received 2023-09-11
Product: Credit reporting 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. (FL)

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

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NJ)

I am writing to formally dispute and demand the immediate deletion of a bankruptcy entry on my credit report, which I believe has been recorded in violation of federal law. Specifically, the reporting of this bankruptcy is in violation of the following statutes under the Fair Credit Reporting Act ( FCRA ) : Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : The aforementioned statute outlines the specific permissible purposes for which a consumer report may be accessed and reported. My bankruptcy record was included on my credit report without my explicit consent or any permissible purpose as defined by the statute. There was no authorized or legitimate reason for this information to be accessed or reported without my prior written consent.

Violation of 15 U.S. Code 1681q - Obtaining Information Under False Pretenses : It is my belief that my consumer report was accessed under false pretenses, without my knowledge or authorization. The inclusion of the bankruptcy on my report, without my written consent, suggests that the reporting agency or other entities involved may have obtained this information illegally.

Violation of 15 U.S. Code 1681c-2 - Block of Information Resulting from Identity Theft : Furthermore, I have reason to believe that the inclusion of this bankruptcy record may be a result of identity theft or unauthorized access. This statute mandates the blocking of information on consumer reports that are a result of identity theft. I demand that this information be blocked and permanently removed from my credit report.

The presence of this bankruptcy on my credit report is causing significant harm to my financial well-being and reputation. I demand that this record be deleted immediately from my credit report and that I receive written confirmation of this action within 30 days from the date of this letter. 

Additionally, I request that the CFPB investigate this matter thoroughly to determine whether there has been any illegal activity or violation of my consumer rights. I expect a prompt response and action to rectify this situation. 

Please consider this letter a formal complaint under the FCRA, and I reserve the right to pursue legal action if this issue is not resolved to my satisfaction. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MI)

Back in XXXX many unauthorized charges we made to my account with credit karma. Informed them of this the XXXX week it happened. They were international charges. they told me to file a dispute on each transaction. So I did and locked my cards. The fallowing week on my pay day I sat at a golf outing for work and watch as some hackers kept charging my account again even though my cards were locked and credit karma was awear of the situation. They did nothing except tell me to file a claim and this time froze my account this resulted in 22 claims I had to file plus be broke because even I couldn't access my account. I had bills to pay that I could not. Had to take a loan out to get buy because it took them 3 weeks with me calling ever day til I could get my funds back. It was over {$700.00} in cash. But even more with late fees I had to pay and a loan I had to talk out.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am writing this letter in reference to my previous dispute submitted to your agency on XX/XX/year>. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries.
Consumer complaint received 2024-08-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC (TX)

Auto loan company ( XXXX XXXX ) offered extension/ defer payment/ skip a payment on XX/XX/XXXX. Right after I received the email of the extension approval their app blocked or limited my access to make payments. On XX/XX/XXXX I received an email requesting payment past due yet on XX/XX/XXXX I was only able to submit a partial payment of {$110.00} app would allow for full payment of {$310.00} ( {$300.00} + {$5.00} fee ). On XX/XX/XXXX I was able to make a payment of {$140.00} again app wouldn't let me make full payment due. I then called the customer service number and only contacted the automated system no human XXXX On XX/XX/XXXX I received an email if I wanted to refinance my loan I called the number on the email and was transferred multiple times to different representatives and not XXXX said they could assist me in getting more information or loan department. XX/XX/XXXX I called and requested a billing/payment history that was sent by email that same day and I was then notified my vehicle was scheduled for repossession and contract was accelerated. Since the start of the contract I've been charged additional Other fees ranging from {$100.00} to {$300.00} plus my payment amounts. ( Never a clear answer why additional fees ). The vehicle was taken from my home without notifying me. I was not able to get my personal items or work time sheets until XX/XX/XXXX as the towing company only was available by appointments created online.
Consumer complaint received 2023-11-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (NH)

I use Sallie Mae for my student loans and if I miss a payment, they call me at least once a day every day until I pay it ( and sometimes a couple days after ). I missed my payment this month, and they have been harassing me for the last week. Since Wednesday XX/XX/23, they have called me 13 times and left 5 voicemails from 4 different phone numbers ( ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX ). The attached screenshots are from this week alone. They usually skirt the line of how much they can legally harass me, but the call volume this week is excessive and illegal.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf. After reviewing my credit record, I found late payments listed. Despite sending letters over XXXX days ago, I have not received a response, nor have they provided satisfactory validation. I kindly request your assistance in resolving this issue.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IL)

I received correspondence about a balance transfer promotion for my Citibank XXXX XXXX credit Thank You credit card. The promo offer was to transfer the BALANCE as of a certain date and pay a lower XXXX interest rate for XXXX months on the transferred balance, after which date, the interest rate would revert back to the original variable XXXX % APR. 
There was no other explanation as to how the promo offer would work and no explanation as to the impact on the credit card credit limit and available credit. 
Based on the limited information sent to me and on-line, my understanding was that my then current balance {$1800.00} plus pending transactions of {$1300.00} would be transferred and subject to XXXX % interest rate for repayment until XX/XX/2025. At no time was it explained that this was really a loan against my available credit limit of {$6800.00} which I had planned to use for some home improvement. 
Citibank transferred the above referenced balance which was approx. {$3500.00} to my checking account which I believed I would be paying back at XXXX % interest with my line of credit in tact. To my surprise and dismay, Citibank added the balance transfer and available credit reducing my credit limit to XXXX. This was nothing more than a loan disguised as a balance transfer and I want my credit limit restored to what it was and my available credit restored. I thought the transferred balance would be a separate accounting or whatever on my card. It was not explained that it would be debited against my available credit thus reducing or eliminating my available credit and credit limit.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (VA)

Continue to report an unverified account to my consumer report and I have no relationship with this company and they have no contract bearing my signature! This an accurate information has caused me to lose faith in the banking. System has been defamation of character, emotional stress, and makes it hard to obtain new credit. This company continues to violate the FCRA and my rights as the consumer!
Consumer complaint received 2024-08-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NC)

I was submitted a claim for a request for school misconduct form submitted to the CFPB on XX/XX/XXXX I received an application on XX/XX/XXXX and sent it back to Navient and they received it XX/XX/XXXX. 

I received a blanket denial XX/XX/XXXX that did not spell out why i was denied. and they said " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I submitted an appeal to the CFPB to Navient on XX/XX/XXXX for more information on why i was denied. 

Navient responded with a denial to CFPD on XX/XX/XXXX and received another blanketed statement including " we review each application holistically, it is not possible to identify specific criteria that caused your application to be denied. " and " that analysis is confidential and proprietary to Navient '' I would like another opportunity to appeal with new paperwork i have found
Consumer complaint received 2024-08-26
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: CITIBANK, N.A. (NY)

A Best Buy credit card was fraudulently opened under my name on XX/XX/year>. That day, I called Best Buy and requested a letter from them asking them to document the steps they were taking to close my account and remove it from my credit report, including that the account was not mine, I am not liable for the account, and that it was removed from my credit report. It has now been one month and I have not received this letter. I have called again 3 times requesting this letter. The fraudulent credit card was added back to my credit report due to lack of documentation proving it was fraud because I have not had Best Buy 's support in this matter.
Consumer complaint received 2023-04-17
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. (AR)

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 items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Aldous & Associates, PLLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Cease and Desist To whom it my concern at Aldous & Associates at this time I would like to make it clear that I wish for you to cease and desist all communication attempts. Please refrain from contacting me by phone, any relatives, my work place, by text messages, email and by postal mail. Please do not contact me at all! Further unwanted communications will result in legal action against your business on the account of violation of section 805. Communication in connection with debt collection, 806. Harassment or abuse and 809. Validation of debts of the Fair Debt Collection Practices Act.

Please make accommodations to stop contacting me at once as I have never done business with your law firm nor have you shown proof that I have any signed contracts from the offices Aldous & Associates stating that I owe your firm any debt. 

regards XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (NY)

To remove the following that are fraudulent inquiries : One Main XXXX XXXX ( XXXX ) XXXX Every one of these inquiries are from a couple of years ago already not 2024. They keep reoccurring on my XXXX account as hard inquiries.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been receiving phone calls from this company repeatedly after my account from them was successfully disputed on XXXX. The phone calls continued for at least a couple of years. This company also submitted XXXX ( XXXX ) soft inquiries on my credit account with XXXX over a single year and they did not have any reason to do so since they no longer owned an account on my credit report.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-27
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mr. Cooper Group Inc. (SC)

Nationstar Mortgage, I have never had any part of this creditor and this is a violation of my consumer rights. This is also a debt that belongs to an ex spouse soley. this has been court ordered as well. This is incorrect information and should be removed from all credit reports asap.