davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Hello my name is XXXX XXXX. I am trying to help my customer XXXX XXXX XXXX. Her phone # is XXXX. Her email address is XXXX. Please copy her on all information. I am helping because of the language barrier. 
She has a mortgage on her house. 
She is having issues with the mortgage company that I am trying to help her get resolved. 
Last XXXX she made her payment of {$1000.00} but the mortgage company tried to cash it for {$4000.00} by mistake which bounced. They have agreed this was their mistake. It was just mistyped. They were going to send a {$3000.00} refund when they saw the check did not clear. They told her not to send it the payment again and they did not compensate her for the bounce check they caused. A couple of months later they sent a letter to her trying to get her to do a loan modification which she did not want to do. She has made her payments on time ever since but they have since sent her loan to a collection company. She talked to them in the beginning. I started calling every month since XXXX 2022. I have spent hours on the phone with them trying to get this resolved. Every month I talk to a different person who at the end of the call says yes this is not her fault and they will get it fixed. But they never do. In XXXX I talked to a representative and she said the loan had been modified and they would have to redo the loan to fix it. She told me to send an email to them at that time saying that she did not want the loan modified. She just wanted to make her payments. In XXXX I talked to a gentleman and he said he would get it fixed. In XXXX I talked to a gentleman and he claimed the {$3000.00} check was cashed. I requested a copy of her statements and a copy of the cashed check that they claimed was cashed. They have never sent it to us. It seems like they are trying to take advantage of an elderly lady. 
We could use some help with this situation. 
Please let me know who we should contact.
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I'm XXXX years old, and up to now, I've had minimal experience with banking. My parents helped open my account when I was a minor but my banking experience was limited to direct deposits and debit card transactions. 
I deposited two checks I was given through an internet transaction. The bank cleared the funds into my account for thousands of dollars, even though I only had {$30.00} in my account at the time. Shortly after, the person who gave me the check demanded a refund, so I agreed to refund his money, not knowing that the checks he gave me were fake and would ultimately bounce.

Now Huntington says I owe them {$2000.00} for the fraudulent  checks. 
Huntington did not follow reasonable practices and procedures to protect my account. I now realize that the checks were both obviously fake, but Huntington lifted the hold without reviewing the checks : 1. Both checks had a seven-digit routing number when all routing numbers must be nine.

2. One of them was a third-party check and was not endorsed at all, including the third party.

3. The check number on the top of the check did not match the one on the number line.

4. The check number on the number line was the same for both checks, even though they were written for different amounts and to different people.

Huntington lifted the hold on these checks without even looking at them. When the hold was lifted, I thought the checks had cleared. 
The person who gave me the checks demanded I refund his money. Assuming that his checks had already cleared, I refunded the money. Now Huntington says I owe them {$2000.00} and they do not want to take any responsibility for their poor processes that led to the loss of the money. 
To add insult, they are adding fees to the balance because the non-checks they cleared bounced. 

I'm a victim of bank fraud, and Huntington Bank 's lack of commercially acceptable practices failed to protect me. They should not have cleared what was obviously fraudulent documents resembling checks without any professional oversight. Further, they cleared a check written to a third party that was not endorsed, which is a banking compliance issue.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My account has and currently is still being marked past due with many late payments being reported when my account is paid on time and needs to be updated. By law, a creditor shall not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX around XXXX I deposited around {$1500.00} into the ATM at this WF branch. Ive been making deposits in this machine for 10 years with no issue. During the deposit, the machine beeps and shows a message that says, you have canceled this transaction and then says retrieve deposited items. The problem here, which is on camera, is I never hit any buttons to cancel the deposit and the money I put in was never spit out for me to retrieve. I went inside and waiting for 40 minutes to talk to somebody who said we dont monitor the atm call this 1-800 number and theyll fix it. 40 more minutes later of blaring hold music later i state my case and give details. 2 weeks later I get a provisional deposit, 2 days after my paternity leave started the money was withdrawn with no warning and then I get a letter in the mail saying I never made any deposit. Ive called to dispute the investigation, to appeal the decision, and have spoken to multiple XXXX, XXXX, and XXXX XXXX. Im on camera making a deposit in the machine and leaving without a receipt or money coming back out of the machine.
Consumer complaint received 2023-01-09
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. (SC)

On XXXXXXXX XXXX  I sent an identity theft report at and and that was received along with my drivers license because I am a victim of aggravated identity theft. Equifax is the only credit reporting agency that is reporting these negative accounts on my reporting financially causing me great harm. According to 15 us 1682 c-2 ( a ) a consumer reporting agency must block the reporting of all ny information in the file of a consumer identified as information that resulted from an alleged identity theft, not layer than four business days after the date of receipt by such agency.
Consumer complaint received 2018-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management (NC)

On XXXX XXXX I have an account from XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX, MD XXXX XXXX that showed up on XX/XX/XXXX. However this account was opened on XX/XX/XXXX ( 6 yrs, 2 mos ). 

I'm confused and do not understand how this account just showed up on my credit report I have not received any notification of this debt and have no recollection of it. 

I do not have the account number but the amount for this account is {$280.00}.
Consumer complaint received 2023-03-01
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)

I am XXXX XXXX, and I am submitting this complaint and there is no third party involved. Thiese accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and Transunion Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
NAME : XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$660.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$550.00}XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00}, CHILDSUPPORT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/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 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (TX)

I have three active Apple installment agreements, whose balances total {$510.00} at this time. These Apple installment agreements are always paid in full and on time.

My card balance for purchases outside of these installment agreements are also paid in full and to a {$0.00} balance multiple times per month. 

On XX/XX/XXXX, I made a purchase for a medical bill in the amount of {$1400.00}. Afterwards, my balance was paid to {$0.00}. This medical bill payment was refunded in full on XX/XX/XXXX, resulting in a credit balance. I requested a refund of the credit balance on my card and that was processed on XX/XX/XXXX, but I was only refunded for the amount of the resulting credit balance LESS the {$510.00} outstanding on my Apple installment agreements. 

These installment agreements have nothing to do with the transaction, nor do they have anything to do with the merchant refund. I was informed by multiple agents that the XXXX would be held due to the installment agreements, even though the terms of the agreements have not been breached nor are they actively being closed- the money would just be held as the remaining payments become due. 

I consider this to be theft and predatory. This is not a secured credit card, I've never carried a balance and every installment agreement has been paid satisfactorily. There is no legitimate reason for the {$510.00} to not be refunded back to me.
Consumer complaint received 2023-01-09
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. (AL)

I am concerned there may be an account on my credit report that was not authorized by me to be obtained. The company XXXX XXXX XXXX XXXX XXXX XXXX shows an account on my credit report.. I am requesting the signed disclousure statement/contract that shows my signature as a result of this debt that could be upheld in the court of law that this debt is validated by me. If such document can not be provided, this accould should be deleted from my credit report.
Consumer complaint received 2023-03-01
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. (LA)

There is a collection on my account that is not only false it is NOT mine I have NEVER signed a contract with this agency I was NEVER contacted about this collection either! It is being reported that this is an open account for the amount of {$320.00}, BUT this is a collection this is a violation of my rights, also In accordance with the fair credit Reporting act XXXX Account # XXXX Security credit service, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

As I looked over my consumer report I noticed some inquires and late payments on my report that was not authorized : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX ). Per section 609 FCRA send me over any ORIGINAL SIGNED DOCUMENTS. FCRA states the bureaus must verify all information that they get from banks, credit card companies etc before putting into my consumer report. 
Under federal law any unverified accounts must be deleted.
Consumer complaint received 2023-03-01
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. (MS)

I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. Not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-01-10
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. (WA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-10
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My XXXX XXXX XXXX accounts have incorrect balances/ unauthorized charges on there. please REMOVE these accounts from my CREDIT REPORTS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-01-10
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}