davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Back in XXXX I had a charge from XXXX in the amount of {$470.00}. Called the bank reported it wasn't authorized and that it was fraud. Went through the steps to dispute via phone. Apparently about 6 weeks later they state they had sent a mailing to me requesting more info ( never received ). Time goes on I notice the amount is withdrawn from my account again. They told me to submit the email in which I had reached out to them which I did. The email is a confirmation of the conversation had with an agent. I had replied back to the email with further information. They are now stating that they don't have enough info. Fast forward, they still want do anything as my card was compromised again, this time the elect to send me a new card. There is now a trend of my card getting hacked on social media sites with the most recent one being XXXX. Huntington is still refusing to do anything with the initial charge of {$470.00} from XXXX.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Hi, On XX/XX/XXXX around XXXX XXXX, I went to a citizens bank ATM to deposit 16 checks totaling {$2300.00}. After the machine took all the checks, it suddenly shut off without providing me any receipt. I called the bank and filed a claim, explaining what happened, and they credited my account right away. However, on XX/XX/XXXX, I received a letter stating that after their investigation, they couldn't find any errors or checks in the ATM, and they reversed the credited amount from my bank account. I called several times to request another verification and to have the credit reinstated, but the customer service representatives said they couldn't take any further action. Unfortunately, I lost the money as I'm unable to request replacement checks from the people who issued them to me.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-11
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. (FL)

This is 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 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the Fair Credit Reporting act XXXX  Account # 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. states a Consumer reporting agency can not furnish a account without my written instruction. 

BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires I will list them here also. 

Account XXXX XXXX XXXXXXXX XXXX # XXXX Balance {$560.00} XXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX XXXX # XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$140.00}
Consumer complaint received 2023-06-28
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: GATEWAY FIRST BANK (PA)

My XXXX XXXX report indicates that Gateway First Bank ran four inquiries on my report. Two on XX/XX/2023 and two on XX/XX/2023 At this time, my XXXX XXXX file was frozen. Gateway First Bank didn't have my permission to request a report attached is a copy of the report
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Account # XXXX Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. 

I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or 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 2018-07-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MD)

Loan XXXX Borrower : XXXX XXXX To whom it may concern, I am writing this letter as my last attempt in hopes of coming to a solution with my servicer and having them postpone the current sale sate scheduled for XX/XX/2018. My mortgage loan is an FHA type of loan and my investor is XXXX XXXX. I was informed that I can send a complete mortgage assistance package to my lender 7 days prior to the sale date in order to receive a postponement and proceed with my modification review. And so I sent over a complete package to my servicer on XX/XX/2018. I called my servicer and I spoke to XXXX the supervisor in loss mitigation on XX/XX/2018. She advised me that my investor was XXXX Not XXXX XXXX and that I had run out of time to proceed with my modification review. I let her know I was advised differently and that I even looked up my investor on XXXX and the system reflected my investor being XXXX XXXX. It seemed as if she didn't even care nor did she have the information for FHA 's guidelines. All she did was kept repeating herself that my investor was XXXX and they could not do anything for me anymore. From what I have been advised and what shows on the FHA website, is that a borrower can submit a complete mortgage assistance package 7 days prior to a sale date and still have the opportunity of proceeding with a modification review. It seems Mr. Cooper is trying to do otherwise and will not give me a chance to save my home even though by law I should be entitled to do so.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been on the phone all day with these crooked people from XXXX. I have been explaining to them that I have been affected by the data breaches and I need to have the information removed immediately. They tell me that all they can do is file a dispute, then tell me the account numbers are missing from my FTC report. There is no law stating that there has to be a account number on the FTC report. I request a supervisor and the representatives will hang up on me or hold the call and stop talking. I have had this experience with Employee XXXX and XXXX. It is sad that i have to request their employee number just to reference them after the call ends because they will not get a supervisor. I talked to zero supervisors today and I have been on at least 5 calls with XXXX. Previous complaint # XXXX
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

OPENED STORE ACCOUNT XXXX AND LATER OPENED STORE ACCOUNT XXXX  BOTH WITH COMENITY BANK. NEVER RECEIVED CHARGE CARDS- NEVER RECEIVED INITIAL STATEMENTS - DELAY IN RECEIVING STATEMENTS DUE TO BANK ERROR WITH MY ADDRESS - LATE FEES CHARGED - PAID OFF CLOTHES - SPOKE WITH REPS MULTIPLE TIMES TOLD FEES WOULD BE WAIVED - CONTINUED TO RECEIVE BILLS - CONTINUED TO CALL- CONTINUED TO HEAR FEES WOULD BE WAIVED - WAS REPORTED TO CREDIT BUREAU - IMPACTED MY CREDIT RATING UNABLE TO OPEN AN ACCOUNT AT MY BANK. 

CREDIT RATING RUINED DUE TO THIS BANK 'S ERRORS. WHY WOULD THEY DO THIS? I RESPONDED TO THEIR CALLS- I CONTACTED THEM A FEW TIMES.
Consumer complaint received 2023-08-11
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. (FL)

This is 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 2024-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Possible Financial Inc (TX)

I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I received it.
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (CO)

I would like all of my unauthorized inquiries, my derogatory remarks, late payments, public records, closed accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, Title X, 124 Stat, 2092 ( 2010 ) Fair Credit reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2024-05-24
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. (FL)

Dear credit bureaus, I am writing to formally dispute the accuracy of a collection account listed on my credit report. The details of the account are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/year> ( as reported ) After carefully reviewing my credit report, I have noted that this account is being reported as opened in XX/XX/year>. I do not recall ever opening an account with this creditor on the specified date. Therefore, I am requesting the following information in accordance with the Fair Credit Reporting Act ( FCRA ) : Method of Verification : Please provide a detailed description of the procedures used to verify the accuracy of the information regarding this collection account. I would like to know the specific method and sources you utilized in your verification process. 

Source Information : Please provide the name and contact information of the original source that provided this account information to XXXX. 

Documentation of Account : I request a copy of any contract or agreement that bears my signature and indicates that I opened this account in XX/XX/year>. I would like to review the original documentation to verify the legitimacy of this account. 

Under the FCRA, I am entitled to request this information, and I expect a prompt response from your office within 30 days from the date of receipt of this letter. If the disputed account can not be verified or if the requested documentation is not available, I request that this account be removed from my credit report immediately. 

Please confirm receipt of this letter and provide me with the requested information at your earliest convenience. I appreciate your prompt attention to this matter. 

Thank you for your cooperation.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I noticed a ATM withdrawal of XXXX from XXXX XXXX AZ on XX/XX/XXXX. I was in XXXX California that day and even made purchases with the card showing I was in XXXX. I only noticed this because on XXXX someone tried making an unauthorized purchase of {$150.00} early in the morning. I called Wells Fargo to report the fraud, initially they gave me the credit for {$140.00}. on XX/XX/XXXX they then took that money back claiming there was no issue and I was the one withdrawing that money. I even had an address and requested the police were to be involved, they didnt even look into it. I called Wells Fargo back questioning this and they basically told me tough luck.
Consumer complaint received 2024-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

The company sent me the invoice from a purchase someone made on XX/XX/XXXX in XXXX, Ca. I would like to see the signed purchase agreement. No way could I have made this transaction. As I was just released from XXXX XXXX XXXX in the wee hours of the morning on XX/XX/XXXX /or XX/XX/XXXX., 2018. In Addition my address was XXXX XXXX XXXX XXXX In XXXX, Ca, not XXXX XXXX XXXX. I never even saw this bill. 

I left XXXX in XXXX of 2018. This is not right its unfair that this has to sit on my credit. 

For the past 3 years I have been paying my bills and on time. It is now time for me to get a home for my son and I, and I cant get help because of a collection on an account I thought was closed paid as agreed and in good standing. The creditor sold the account recently to a debt collector, this is wrong and unfair, they even lied and said I made payments in XXXX, I never knew about this account until I recently received a phone call and ran my credit.
Consumer complaint received 2022-10-24
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. (GA)

I am angered by the Credit Bureaus ' choice of action and did not completely removed the disputed accounts and information from my Credit file in which the Fair Credit Reporting Act section 605b requires the Credit Reporting Agencies to remove any accounts and information that resulted due to identity theft. Also, the Credit Reporting Agencies have been failing to send me copies of proof of verification or proof of ownership having my legal signatures. This is a clear violation of a consumer 's Rights under the Fair Credit reporting act section 605b. I have discussing with my legal team about the lawsuit that we are willing to file in the event the Credit Bureaus failed to comply with the requests under the FCRA Section 605b. If it is not too much to ask for, I am requesting that the Credit Bureaus remove the following accounts and information completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$760.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX Owed : {$240.00} XXXX  XXXXXXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX Owed : {$51.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XX/XX/2021
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (KY)

Online access frozen on the morning of XX/XX/XXXX Called and was told their system detected suspicious activity and that I was would receive a call that day or the next day on next steps. 
I did not receive a call. I called the evening of XX/XX/XXXX and was told that someone would call the next day. I did not receive a call. I called again XX/XX/XXXX and was told it would be 10-30 business days before someone would reach out to me. When I asked to speak with a supervisor or manager, the employee told me " I can't process that request '' and hung up the phone. I have yet to hear from anyone or regain access to my account.
Consumer complaint received 2023-08-11
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. (GA)

I have made numerous attempts to correct this issue with XXXX through the complaints/disputes filed with the 3 credit bureaus ( XXXX, XXXX, and Experian ). The debt is a charge off but continues to show a past due amount of {$1100.00}, reflecting this as open revolving credit when it should report as {$0.00}. In addition I requested a 1099c form if this debt is in fact a charge off, as I would like to audit this debt with the IRS, and if it is fraudulent I would like to report it, as incorrect documentation and reporting on the credit report is a direct violation of the FCRA 15 USC 1681 eb.
Consumer complaint received 2023-08-11
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. (SC)

This is 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 2024-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC (LA)

On XX/XX/2024 I was Trying To Sent Money To A Company of Two Payments of {$450.00} Total {$900.00} XXXX Canceled These Two Payments, But when It Went Through The Bank XXXX Did Not Put The Money Back Into My Bank Account I have No Idea Were My Money Is At, I Contacted My Bank An Contacted XXXX An Neither One Has Got Back With Me Here It Is XX/XX/2024 An I Still Do Not Know Where My $ ( XXXX Dollars Is At Or Who Has It, I Want It Back Into My Back Account
Consumer complaint received 2024-04-26
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC. (WY)

Late charges on account only some months take late charges, and other charges in a lump sum being reported as late payment on credit report, showing missed payments. extra money paid every month is not being applied. This has been going on with my knowledge for 2 years plus. Since applied for deferment.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (FL)

therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I ) to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I ) to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 
XXXX XXXX  # XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing instructions