davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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 (IL)

There was a total of XXXX fraudulent checks used to withdraw money from my XXXX XXXX Checking Account, in addition to XXXX fraudulent debit. All of the checks/debits were in the amount of {$200.00} with the company name on the check being : XXXX XXXX XXXXXXXX and the signature not matching my signature. The total amount stolen from my account was {$1800.00}. The dates of the fraudulent activity were : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not notice this fraudulent activity on my account, because the amount per transaction was relatively low, I was not receiving paper statements in the mail, and I did not check my online account due to this being a side business of mine. When I noticed the fraudulent activity, I immediately notified Huntington, froze the account, and later closed the account. I went into my local branch in XXXX XXXX, Illinois and spoke with the branch manager. I filled out and signed an affidavit in XXXX of XXXX. I also filed a police report on XX/XX/XXXX at the XXXX Police Department. After filling out the affidavit at Huntington bank back in XX/XX/XXXX, I received an email on XX/XX/XXXX from XXXX XXXX ( XXXX XXXX XXXX ) stating : " Huntington has determined that we were not provided notice of unauthorized forged item ( XXXX ) within 30 days after your statement ( XXXX ) was made available to you as required by the Rules and Regulations that govern your accounts with us ; therefore, Huntington now considers this matter closed and any further dispute related to this transaction should be directed to the third party. '' My Huntington case number is : XXXX. I responded to the email from XXXX XXXX on XX/XX/XXXX asking to be reimbursed for the money fraudulently taken from my account and was contacted by XXXX XXXX XXXX ( XXXX XXXX XXXX ) via phone on XX/XX/XXXX saying Huntington stands by their decision and there is nothing more they can do to help me. Huntington and the other banking institution ( s ) who processed these fraudulent checks should have a ) noticed that the business name on the check was not the business name registered to my Business Checking Account at Huntington, b ) noticed the signature did not match my signature on file for my Business Checking Account at Huntington, and c ) noticed the check numbers skipped from the legitimate checks I was using for my business.
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (OK)

Netcredit withdrew two amounts from my checking account when there was supposed to be one amount and did not have my permission to do so. On XX/XX/XXXX they took out {$62.00} and {$59.00}. They deceived me in saying they would take out one payment per month. They never took out more than that before. They have changed my payment amount to {$120.00} per month without notifying me. They took out money that was for my mortgage payment and not for this loan.
Consumer complaint received 2023-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (MA)

I sent a validation letter to Financial Recovery Services Inc., asking them to validate the debt that they are claiming that I owe to them, I dont know who these people are, I have never done business with this company before, I do not have a signed contract with this company that says that I agreed to pay them anything. The response that I got from this collection company is 4 copies of a card statement and on 2 of the statements, the due dates are 2 different due dates on the same month, copies of statements of an account, do not prove that this debt belongs to me, I asked this company to provide me with all of the information that I asked them for and they just decided not to, the FCRA is clear when it states that I have a right to dispute this debt and that is what Im doing. I want this company to provide me with the signed contract that says that I have to pay them the amount that they are asking for, if they dont have the contract, I want them to stop asking me to pay them money that I do not owe to them.
Consumer complaint received 2023-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (TX)

I currently have loan with Flagstar bank and they are saying that I had a lapse in insurance coverage. I never had a lapse in coverage and provided them all the paperwork showing this. They added a XXXX fee to my Escrow which I have never had an Escrow accounting because we did 20 % down when we bought the house.

I called them on the XXXX and provided them all the documents the same day. The fee has not been removed and I was forced to pay it today so I would not be charged a late fee or interest affected for paying late.
Consumer complaint received 2023-03-08
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

**This is not a duplicate complaint** This is a new complaint with the same company** I have an account with a XXXX XXXX through XXXX XXXX. The account is set up with autopay to avoid worrying about the monthly payments. Yesterday, I noticed the autopay hadn't been charged for a long time and decided to log into the XXXX account to make sure the autopay was still set up. The autopay is still set up, and everything looks fine ; I noticed a balance of {$280.00}, so I decided to program the payment manually. Later that day, XX/XX/, I received a notification from my credit report stating that the XXXX XXXX  reported late payments on my credit. Even though they have a bank account set up as autopay, they never contacted me via phone, mail, or email to inform me if it is any issues relating to the autopayment. Now, my credit report shows one late payment from a XXXX XXXX, which affects me as a consumer for my future purchases. I have tried to call multiple times since yesterday and chat with customer service, but there is no answer.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

Use Cash app by Block , Inc. to try and transfer money to an intended recipient. Intended recipient never received the payment even though application sent " web receipt '' saying delivery occurred. Money had been sent to the same recipient the day before, using the same information, and it was properly received. Disputed payment using the process required, it was denied, checked with intended recipient, and they still had not received XXXX payment/transfer. Called customer service, refused to help. They will not check the recipient account and will not explain where the XXXX payment went. They have the money or transferred incorrectly and should refund. The amount is {$3500.00}
Consumer complaint received 2024-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to lodge a formal complaint against the credit bureaus for their failure to remove a fraudulent account from my credit reports, despite my repeated requests and provision of necessary documentation. This account was opened without my knowledge or consent and is a clear case of identity theft. 

Details of the Fraudulent Account : Creditor : XXXXXXXX XXXX Account Number : XXXX Balance : {$290.00} On XX/XX/2023, I sent a letter via USPS Certified Mail to the credit bureaus, requesting a thorough investigation and the removal of this fraudulent account. Unfortunately, my request was not only ignored, but I also faced outright refusal to remove this account from my credit file. This inaction on their part is not only distressing but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Protection Act. 

Upon discovering this unauthorized account, I immediately filed an identity theft report with the Federal Trade Commission ( FTC ) and placed a fraud alert on my credit files. Despite these proactive measures, the fraudulent account continues to be a blemish on my credit report, negatively impacting my financial standing and credit health. 

The inaction of the credit bureaus in this matter is unacceptable and unjust. Therefore, I am seeking the intervention of the CFPB to ensure that a proper investigation is conducted and the fraudulent account is promptly removed from my credit records. 

Enclosed with this letter are copies of my previous correspondence with the credit bureaus, the identity theft report filed with the FTC, and other relevant documents supporting my claim. 

I trust that the CFPB will address this grievance with the seriousness it deserves and assist me in rectifying my credit report. I look forward to a prompt and favorable resolution of this issue. 

Thank you for your attention and assistance in this matter.
Consumer complaint received 2024-01-31
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. (NC)

I am writing to report a case of identity theft that has resulted in unauthorized inquiries on my credit report. Despite notifying the companies involved, these inquiries have not been blocked or removed.
Consumer complaint received 2023-03-02
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX Co 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 a account without my written instructions
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

In XX/XX/XXXX. I received a statement that they are updating the system and the direct deposit needed to be re-entered in the system. I tried to re-enter the deposit with a representative over the phone. The representative helped me to log in however the system was having issues. The representative helped to remove the old account so that I could re-enter the new account. After I completed the update I asked the representative to check the account to make sure the information is updated and that we have everything completed. She confirmed everything looks good and the information and date is set for direct deposit. The following week I traveled out the country, went I got back I received notifications of the payment being late. I am disputing the late payment reporting. I have had this account for more than 5 years and never had a late payment. When I called Discover requesting a courtesy to remove the late payment due to system error and their update as well as having a great payment history, they said there is nothing they can do about it.
Consumer complaint received 2024-09-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Freedom Mortgage Company (VA)

I assumed a loan on XXXX XXXX XXXX in XXXX of 2024. The closing paperwork reflected a negative {$XXXX} escrow balance on closing documents. That money was collected from the seller upon closing. Simultaneously while signing paperwork to close on the property, Freedom Mortgage XXXX department disbursed payment to XXXX XXXX for the sellers updated homeowners insurance. This created a negative {$XXXX} escrow balance on our newly acquired account. The bank has acknowledged the error multiple times, given me the emails to supervisors & after weeks has provided no plan of action to fix the issue.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

As a student, I got myself a collateral-secured card from Bank of America XXXX But I canceled the card and the agent said the collateral of XXXX  will be returned after deduction of remaining credit. But only XXXX usd was deposited into my account. And no one can explain what happened to the remaining XXXX usd.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX I received for at least the 12th time an offer from Capital One to apply to their Platinum Card. I decided to try again for this card as the last time they stated they could not approve me due to " not being able to verify my identify via phone ''. The same happened again, where i received a denial email and the call rep i spoke to said " they couldn't reach me by phone and to file a dispute with the credit bureau ''. My phone number is correct XXXX on ALL THREE Credit Bureaus, i actually verified this 20 minutes before i decided to apply. In addition, I hold a CAPITAL ONE Checking and SAVINGS account to which Capital One has my personal information. In XX/XX/XXXX, I also obtained a mortgage as well as another credit card with their competitor in XXXX XXXX and a car loan in XX/XX/XXXX. Capital One continuously DENIES be based on the only factor of " could not verify identify/reach by phone ''. I have disputed this several times, considering the information they have is completely outdated and their system is never updated. If the FEDERAL GOVERNMENT and LENDER can verify my information for a MORTGAGE and have the correct phone number, as well as other lenders, than this is a capital one issue in their systems. I am tired of being told that I am the one who has the issue and to contact the credit bureaus. I have already contacted them this first time this has happened. I applied for Capital One Card THREE Times once on or about XX/XX/XXXX, XX/XX/XXXX and then most recently on XX/XX/XXXX, as well as capital one auto finance in XX/XX/XXXX all with the same denial Yet their pre qualify mailer they have already soft pulled my credit and have my information as well as from my checking account info with them. As of this complaint I now have THREE hard inquiries on my credit bureau due to this and THREE Adverse Actions in the period of a year. I have incurred the same issue with Capital One denying me for the same reason, when the issue is completely on their end and my credit DOES qualify. This is deceitful business practice!
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

USAA Closed a credit card account without sending any notice they were closing that credit card ( account number ending in XXXX ) nor did they send any notice for reasons they used for the card closure. The claim they sent a letter XX/XX/2020 informing me of this. Letter was never received. The letter they claim to have sent, and have since furnished, indicates closure of credit card with an account number ( credit card account ending in XXXX ) which does not exist. They are reporting a closed account to the credit reporting agencies, this has a negative effect on my credit score which has resulting in financial loss to me. I have uploaded the original letter they allege they sent, with the account number XXXX as well as a credit card statement from the same time period showing the credit card account number ending in XXXX. I have attached the letter USAA furnished, a XX/XX/2020 letter with a credit limit review as well as a statement showing my USAA credit card account number.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

XXXX XXXX Webster Bank XXXX XXXX  I was called and told I had a negative balance of $ XXXX which is not true. 
I opened an account with XXXX XXXX which is part of Webster Bank and also XXXX XXXX. 
It had the highest interest rate for savings. I found they didn't have things I expected, so I wanted to take my money out and close my account. 
I had started the account with a Plaid transfer instantly for $ XXXX. 
I tried so many time, XXXX, to close the account. I spoke to XXXX man who said he was a top manager and said it would be closed. I got emails from the bank saying I still have the account. Again I tried and was on hold forever. 
The initial deposit was made in XX/XX/2022 and funds also transferred out in XXXX. 
I was contacted this week XXXX  times by XXXX XXXX. I told them my account was closed. XXXX XXXX said that it was still open with a negative balance of $ XXXX. 
She asked me for all my personal information used to identify me. I said that the deposit was made with Plaid and transferred out of the same amount deposited. 
I did not ask for the interest back because it had been so much work to get in touch with a real person. 

I told XXXX XXXX I didn't have any money in XXXX XXXX  and I didn't owe them any money. I said, take me to court if you think I owe you money. 
Either the bank is a scam or disorganized. 

XXXX XXXX XXXX