davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (CO)

DO NOT BANK WITH HUNTINGTON!!! I went to deposit {$900.00} on XX/XX/XXXX into the atm at this location. This was for rent that was due the next day. XXXX in XXXX 's and {$200.00} in XXXXXXXX XXXX, to be exact. When I tried to submit the deposit, the screen told me the deposit could not be processed and to seek financial advisement from my institution. No money back and no receipt printed. Of course, they were locking the doors and leaving for the holiday weekend and told me to contact the fraud department. I went back through the atm to do a balance inquiry to see if maybe it had still posted. Upon finding that it didn't, I called the fraud department and reported this, even sending them the one receipt from the balance inquiry that had a time stamp. I was told there would be a rush on the credit to my account. Still took the full 10 day period. It is now XX/XX/XXXX, and they took back the credit to my account. I was told that the atm did not show an overage. So where did this money go?! The notes that were taken said they only saw me go through the atm to do a balance inquiry and that no deposit was made afterward. This would be because I made the deposit BEFORE the balance inquiry. I told the fraud department this when I reported it in the first place. So now I have bills to pay, and my account is sitting at - {$500.00}. This is beyond crooked. I am flat-out disgusted. Some people can afford to be out {$900.00}. I'm not one of them. If you're looking for a bank to XXXX you and XXXX  your trust and your rights, Huntington is the bank for you. If not, I would strongly advise you to look elswhere.
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I contacted someone via XXXX  regarding available concert tickets to a local event. The poster indicated 4 available tickets. When I reached out to the poster, I was advised they would agree to sell 2 tickets for an agreed price, {$60.00} each. We exchanged emails and I submitted a payment via PayPal. Upon my payment, the poster responded back to me that XXXX ( where the supposed electronic tickets were held ) would not allow a partial transfer of tickets and that I would now need to buy all 4 tickets. I advised I would not proceed and wished to cancel to transaction. The poster did not reply. I was able to make a dispute online with PayPal within XXXX  minutes and also connected with a service representative who informed me that since I selected the friends and family pay option, I was not eligible to dispute the charge. As a consumer who uses PayPal to pay for goods and services with traditional retail establishments, it is not easy to distinguish when you are paying an individual ( not retail ) that would land in the friends and family versus choosing paying for goods and services which feels like it is associated with a company. In totality, I feel like I was scammed, PayPal has the funds delayed to pay to the recipient until XXXX XXXX XXXX, and PayPal is not willing to take steps to prevent the payment. I was advised to go dispute with my bank, which I can do, however it seems like this should be a solvable issue for the payment provider to get in front of.
Consumer complaint received 2021-07-07
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. (MO)

I am a current victim of identity theft, Transunion, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ( {$2600.00} ), XXXX XXXX ( {$6800.00} XXXX, XXXX XXXX XXXX XXXX ( {$2400.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I disputed a erroneous name reporting on Experian credit report which is XXXX XXXX and the address XXXX XXXX XXXX XXXX XXXX, NM XXXX. EXPERIAN responded on XX/XX/2021 with an XXXX XXXXXXXX reply saying that I need to investigate who creditor is reporting that name and contact them directly. sorry EXPERIAN but that is your job not mine EXPERIAN YOU ARE THE ONE REPORTING INACCURATE INFORMATION NOT ME you need to investigate and provide me as the consumer with your METHOD OF VERIFICATION which I am allowed to ask according to section 611 of FCRA I want to know : Which creditor you talked to, name of the person you talked too, what prove they provide to verify thats this is me indeed what do they have please send a detail list of the people you spoke too during this investigation thx.
Consumer complaint received 2017-11-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Opportunity Financial, LLC (CA)

I have not even received any money from this loan that they say I allegedly took out. I have emailed them. Then they said that they would update the information. Then I get another email with a guy being completely rude They have contacted me all through XX/XX/XXXX and up until XX/XX/XXXX,. I can not seem to find a website on these guys. They have a XXXX number which seems long distance. 

It is my wifes email and she only uses it for XXXX.. That is the funny thing about this. Please help. They put this on my credit and I am having problems getting it removed.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have been locked out of my Transunion account for over a year. I have been trying for over a year to get someone to help me. Getting through to a person on their customer service is really hard. When I get someone on the line, they say it is fine, but I am not able to get in. I've tried so many things, speaking to different customer support agents, over and over, and it's the same thing ... hours on the phone, hours dealing with being transferred, and no access. 

I can't get anyone to help me from Transunion and the situation has become really insane. 

I should be able to access my account and see my information online. Please help!
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WA)

A certified letter ( Tracking number : XXXX ) dated XX/XX/2021 was sent to Experian showing inaccuracies found on my credit report requesting these inaccurate items to be removed from my credit report. This deletion request letter was accompanied by supporting factual evidence from my credit report. 

As of today, more than 45 days have elapsed since this request for the removal of inaccurate information from my credit report was filed with Experian. In accordance with Federal Regulations ( FCRA section 609e, 611, 623 ) Experian should have investigated and provided factually supported evidence and appropriate documentation or removed these items from my credit report within a reasonable time of 30 days. In further violations of FCRA, Experian also failed to post disputed consumer remarks in the comments section of these accounts. 

Despite having sent two additional certified letters to Experian since the elapsed mandatory 30 day period, I have not received any response nor deletion of inaccurate information from my credit report. Unlawful reporting of inaccurate information by Experian has caused financial hardship on me including denials for credit, I demand these inaccuracies and unauthorized inquiries from my credit report be deleted immediately.
Consumer complaint received 2021-07-07
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. (TN)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-05-10
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: Credence Resource Management, LLC (MI)

On XX/XX/2023 a collections account by Credence Resource Management was added to my Credit Profile for the amount of {$2400.00} under the original creditor XXXX XXXX XXXX. The account number as per the credit bureaus is XXXX. I have never had any relationship whatsoever with XXXX XXXX XXXX, hence there is no Debt Pending. The collections account has been added fraudulently, without checking whether the information is valid or not.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America Account ending in XXXX was paid off as agreed. XXXX XXXX XXXX was all the payments made as agreed. Almost 1 year later they say I have a balance of XXXX or more. I called back sent over the payment history and they confirmed a glitch in their system. Talk to them XX/XX/2023 they saying its a balance of {$300.00} but my credit is say XXXX balance. Conflicting stories. Please help I feel helpless like Im being taking advantage of. 

I paid {$540.00} for 12 months as agreed now they saying they dont see it
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

I pay my credit card bills in full each month. The business-card statement with a payment due date of XX/XX/XXXX was paid prior to its due date IN FULL, after I reported approximately {$5100.00} ( out of {$11000.00} ) in fraudulent charges to Chase ( XX/XX/XXXX ) and asked for new cards ( my wife is the only other authorized user ). Several of the charges included on the XXXX statement included charges made in person, even though my wife and I were travelling out of state ( we provided evidence to Chase ). I have been asking Chase to send me a corrected bill since that time ( late XXXX ) and the matter has not been resolved. Chase keeps sending me obscure and inaccurate documents removing some small fraudulent charges but not all. Chase has yet to provide me with any explanation of their investigative results ( " You received benefit from the transaction. '' ) Chase keeps reversing credits previously given, and adding interest and late fees. The XX/XX/XXXX statement included previously-stated fraud and yet was paid in full. The XX/XX/XXXX showed a {$790.00} credit after the payment and fraud that were reported, less {$4300.00} in charges, several hundred dollars of which were fraudulent, occurring while we were travelling out of state. The XX/XX/XXXX statement, which we paid in full before reporting + {$1000.00} in fraudulent charges made while we were travelling out of the country, was much of the same. We did not notice any fraudulent activity until the XX/XX/XXXX statement arrived, with thousands of the reported fraudulent, and previously credited charges, reversed. None of the statements received since then have been correct, and the repeated phone calls, certified letters, faxes, and emails have resulted in any solution. Chase has reported me to the federal credit bureaus, damaging my once stellar credit rating. These charges I reported to Chase were not made by me, nor by the only other authorized user, my wife, nor by anyone with our permission to do so nor with our knowledge. Nearly 2 years later, the matter is unresolved.
Consumer complaint received 2021-07-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I mailed letters to both XXXX  and Equifax on XX/XX/2021 disputing the XXXX XXXX account for the second time. They have been unable to validate the account or provide me with the necessary documentation. XXXX  has removed this account from my profile as a result of the inability to validate it. XXXX  has previously removed it and has since relisted it without notifying me properly. 

Additionally, this account has now become part of a Multistate Settlement providing relief to accounts with this. company during the time period the account is listed for. I have provided both bureaus with documentation of this settlement and the relief they've already sent. Still, I have not been provided with any documentation from either bureau.
Consumer complaint received 2021-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MD)

I submitted my TEPSLF documentation to FedLoan around XX/XX/XXXX. I have worked for the Federal government ( one employer ) for over 10 years I thought this would be a good chance to see if my payments qualified considering the Covid relief bill allowed the months of forbearance to count as qualifying payments. I received a letter about a week later saying that they received my application and are verifying my employer. 

A month later, I submitted my wife 's paperwork which included two different employer verifications. In two weeks, they reviewed her documentation and found she didn't have the years of service yet to qualify. I found this odd since I haven't received anything other than my initial letter. I called and was told it could take 60 days and to call back in a month. 

I called in XXXX and was told it was still being processed. I called again in XXXX and was told that they are reviewing them as they come in and have a backlog. I said I mailed my wife 's a month after and she was done. I was told well verifying some employers take longer. 

I contacted the Dept of Education and they had FedLoan escalations contact me. They requested updated documentation the time I was requesting that they look at it but then said that they will send a letter when they finish reviewing it. No timeframe or anything. The TEPSLF is a temporary program. It seems like FedLoans is slow-rolling anyone that might actually qualify. 

I can send you my forms but it does have XXXX in it.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

Refinanced loan with XXXX prior to loan being transferred from XXXX XXXX to XXXX. Have copy of the cashed check which was paid directly to XXXX. XXXX customer service has been terrible to deal with. They are simply a disorganized mess. Have communicated with CS via phone and email for 4 months. Sent copies of cashed checks. They report no issue yet they reported a new load AND delinquency to my credit report. Their response was " just wit a few months '' and then if nothing happens to dispute the report .... WHAT!!!!!! It is their responsibility to correct their error - not just blow off the issue. My report took an 80 point hit. There should be laws against this sort of behavior with no repercussions. We wanted nothing to do with this institution, it was forced upon us.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Synovus Bank (GA)

In XXXX of 2021, I received a direct mailer from Synovus bank advertising a promotion for a new checking account. Synovus opened a branch within a mile from my house and the promotion was decent, so I decide to take advantage and open an account with Synovus.

The new account promotion read as follows : Open a Synovus Consumer checking account with a minimum of a {$100.00} between XX/XX/2021 and XX/XX/2021. Earn {$200.00} after completing 15 debit card purchase within 60 days of account opening. Earn {$200.00} for having qualifying direct deposit of {$500.00}. Earn {$50.00} for completing both requirements. 

If all activities were completed, I would be entitled to a new account bonus of {$450.00}. 

I completed all of the activities in XXXX and XXXX and patiently awaited by new account bonus of {$450.00}. 

However, on XX/XX/2021, a bonus of {$200.00} was deposited to my account. As this was {$250.00} less than I expected, I contacted Synovus to find out why I had not been given the full {$450.00}. The representative I spoke with agreed that I had completed both activities and that it seemed I should have been awarded the {$450.00} bonus as advertised. However, the Synovus representative did not immediately have an answer as to why I had not received the full bonus so she sent my case off for further review. She promised to call me back within 2 or 3 days with a resolution.

After waiting a week for a call back from Synovus, I again called to check on the status of my case. At this point, I was told that XXXX ( account to account ) transactions did not qualify. I explained that I understood that any account to account transfers would not qualify but that I had made at least 19 non XXXX debit card transaction during the 60 day window. The representative just kept repeating that XXXX transactions did not count and referred me to my local branch. I again explained that if they checked my account, they would see 19 debit card transactions that were not account to account transfers but the representative did not seem interested in what I had to say. As suggested, I tried to call my local branch for help. However, I was put on hold and waited for over 30 minutes. After waiting what I felt was a reasonable period of time, I gave up and decided to go directly to the CFPB for help.

In summary, Synovus mailed me a promotion for a new checking account. I acted on that promotion and followed their rules to the letter. However, Synovus is not honoring the promotion and has failed to award me the other {$250.00} I earned.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, 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. 

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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. 
The details of the accounts are inaccurate they are not exact in details and amounts. 

( XXXX XXXX XXXX ) you shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!! 
( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
DELETE THESE INACCURATE & INCOMPLETE!! ACCOUNTS FROM MY CONSUMER FILE Yours Truly XXXX XXXX
Consumer complaint received 2020-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

XXXX sent my XXXX bill to debt collection even though I was paying on time and was on a payment plan. They admitted it was their fault because of a computer transfer when they merged with XXXX XXXX XXXX XXXX. I have since contacted the original creditor and paid the bill in full. The bill collector, Wakefield & associates, continues to call even though I called them to dispute the validity of the debt on XX/XX/20 as soon as I revised the first letter as per their instructions. I have since received calls on XX/XX/20 and XX/XX/20 requesting I pay the debt that is already paid.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

They continuously harass me via letters and phone calls. I had disputed the debt they claim I owed. They never responded within 30 days so therefore it was removed from my credit report 30 days after the 30 days so 60 days until they responded. XXXX  has removed this account from my credit report but XXXX  and XXXX  refuse knowing that they missed the deadline of 30 days to respond I had told XXXX  and XXXX  to remove it because that is the law but they refused. I have done everything in my power remove and dispute but I am being unfairly treated they are slandering my credit and my name not to mention harassing me through the mail and via phone. The claimed debt is well over 6 years old.