davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
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)

On XX/XX/2024 our account was drafted by a company called XXXX XXXX XXXX XXXX XXXX to XXXX XXXX that there was no money left in the account. The charges were {$150.00}, {$150.00}, {$150.00}, {$190.00} and {$220.00}. I called into the bank, Huntington National Bank ( HNB ), at XXXX and again at XXXX and was on the phone for over and hour and a half. The representative closed out her debit card, sent her out a new one and said that they would investigate and give us provisional credit within 10 days. I reached back out to the HNB because only XXXX of the XXXX charges were refunded and ultimately talked to a XXXX named, XXXX on XX/XX/2024 for XXXX hour and XXXX minutes. She said that the last charge did not clear which it already did and filed a complaint for me. On XX/XX/2024 I reached back out to HNB and spoke to XXXX after receiving XXXX letters from the bank. XXXX was unable to see my third letter and would not allow me to fax or email the HNB letter to him. He said that I would have to go into a branch since they were not refunding the money and he couldn't see the HNB letter. On XX/XX/2024, which is over the 10 day timeline, I drove into the branch as requested with my letters and spent another hour with HNB. Ultimately, I spoke with the XXXX of the XXXX XXXX branch and she saw the XXXX charges and the XXXX provisional credits. She tried to reach out to the fraud department but you can not speak to the HNB workers who process the credit.

I understand that fraud is going to happen, but the way that HNB reacted is unacceptable. XXXX. They should of stopped the fraud when it happened ( i.e. the third {$150.00} charge ). It is extremely obvious that the charges were outside of the pattern spending. They were just rapid fire charges in the same amounts which are easily catchable. XXXX. I have wasted over XXXX hours of my life because the fraud department is unaccessible and quite frankly not equipped to monitor fraud nor fix it when it happens. When I shared my story with the branch XXXX and how their competitor catches fraud for our accounts, she just said that they are trying to hire better talent in the fraud department.
Consumer complaint received 2020-06-18
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)

XXXX and Transunion are reporting incorrectly that I was late in XXXX and XXXX, XXXX on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit as well as a spreadsheet for reference. ) I reached out the XXXX and talked to a representative and I was advised that all late payments had been brought forward and no penalties had been applied. These accounts are in forbearance and should not be reporting any lates. I have also contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the lates reporting. This is not true. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax and XXXX are reporting incorrectly that I was late in XXXX and XXXX, XXXX on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit as well as a spreadsheet for reference. ) I reached out the XXXX and talked to a representative and I was advised that all late payments had been brought forward and no penalties had been applied. These accounts are in forbearance and should not be reporting any lates. I have also contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the lates reporting. This is not true. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX # XXXX, XXXX, and XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

18 usc 1028
Consumer complaint received 2020-08-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have a loan with XXXX XXXX XXXX, XXXX, and PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX   XXXX XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-18
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. (MS)

I decided to get my credit pulled due to a couple bill I received in the mail. I have never heard from the place before. Therefore I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPTEDXXXX  XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} XXXX XXXX {$420.00}
Consumer complaint received 2020-06-18
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. (MS)

I decided to get my credit pulled due to a couple bill I received in the mail. I have never heard from the place before. Therefore I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPTEDXXXX XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} XXXX XXXX {$420.00}
Consumer complaint received 2020-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (KY)

I would like to link my bank accounts to XXXX for the purpose of buying stocks and building a portfolia. 

PNC have this blocked, I was unaware of any block in place, and by doing so they are restricting would I can do with my own money.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had a checking account at Capital One 360 for 12 years with no problems. 
In XXXX of this year, they blocked my access to my online checking account. 
I called Capital One 3 times and once spoke to a manager. 
They said it was because I would not give then a phone number in order for them to text me. 
My account is an online account. I would rather they send me an email. This has been sufficient method for 12 years. 
I do not want to buy a smart phone so that they can text me. I am XXXX years old and don't want to wrangle with the complexity of a smart phone. 
For them to block access to my account during the pandemic was very crude business and created hardship for me.
Consumer complaint received 2020-06-18
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$640.00} XXXX XXXX {$6800.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$600.00} XXXX XXXX   XXXX {$560.00}
Consumer complaint received 2020-06-18
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$640.00} XXXX  XXXX {$6800.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX {$600.00} XXXX XXXX   XXXX {$560.00}
Consumer complaint received 2020-08-12
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: Caliber Home Loans, Inc. (LA)

I have a loan with CALIBER, XXXX XXXX, and  XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CALIBER, XXXX XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-12
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: RFNA, LP (LA)

I have a loan with XXXX XXXX XXXX, XXXX/XXXX, and REPUBLIC FINANCE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, and REPUBLIC FINANCE with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-12
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: Bread Financial Holdings, Inc. (LA)

I have a loan with XXXX XXXX XXXX, CCB/CHLDPLCE, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, CCB/CHLDPLCE,  and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. EQUIFAX XXXX {$7000.00} XXXX XXXX {$7000.00} USDEPTED XXXX {$2100.00} USDDEPTED XXXX {$1700.00} XXXX XXXX {$4500.00}
Consumer complaint received 2023-01-06
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. (NV)

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts on my report. Ive attached a police report pertaining to the incident. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like the following fraudulent accounts removed from my credit report immediately. 


XXXX XXXX XXXX Account number - XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
Consumer complaint received 2022-10-31
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Our building is a small building with under 20 units condos in XXXX, because this is a very expensive area and just across the XXXX XXXX from New York City, a family of 4 ( husband, wife, mother & father ) using their connection with a loan officer of WELLS FARGO BANK and able to get conventional loan to slowly plotting to rob out the rest of building owners. 

In XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The family got the control of XXXX XXXX ( their family got XXXX seats out of XXXX ) they manipulate to increase the monthly maintenance fee to 34 % and add another 34 % assessment fee, they have a way to set a high budget and so. this increase become a big burden to unit owners and make it sounds reasonable. 

Our building is a vintage building, there aren't any special amenities. no elevators, no parking, no gym, no doorman, no swimming, childcare center, no landscape to maintain. and the maintenance fee for the smallest unit + assessment come to $ XXXX and for largest 2 bedroom unit cost $ XXXX. this is just like the cost of high end Coop near XXXX XXXX in XXXX. 
We know we need to take care of the building, we just paid off the earlier assessment around XXXX. But increase aggressively will just became heavy burden to unit owners and satisfied the plot of this family. 

Because of the expensive monthly HOA fee + assessment, many unit owners are fearful and this too discourage any prospective buyers They took advantage of the pandemic moment with a lot of uncertainties and fear. 

During the XXXX and XXXX they bought 6 units ( 5 units CONVENTIONAL LAONS from WELLS FARGO BANK ( public data from the NJ tax record ). They rented all the units out as soon as the deal is closed. 

The president of XXXX XXXX  follow whatever the family 's suggestions and it threatened the other 50 % of the building owners. At this moment he might be in the process of buying from another owner to get more power to control the HOA. ( over 55 % ). 

In XXXX of XXXX the management company send out a " disclosure of sales '' letters to the units owners. meaning, this is the highly rental ratio building and it's impossible to sell because no bank will want to give a loan to a high rented ratio unit. If you review the XXXX  or XXXX review, they have the worst rating, they don't answer regular peoples call or email, but this time, they will take the trouble to send everybody this disclosure letters. 

I hope the Bureau please investigate the WELLS FARGO BANK underwriter and loan officer for the occupancy frauds and the unjust to the rest of condo owners. Thanks!
Consumer complaint received 2020-08-12
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. (PA)

I paid in full to my credit report collections accounts, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, but still my account not updated showing as serious delinquent accounts on my credit report. 

I lost my current job due to covid 19, I have XXXX XXXX old kid and XXXX XXXX XXXX kid, my current lease manager told me to vacate the current house by XXXX XXXX XXXX XXXX XXXX, i am trying to find an apartment in Massachusetts, i am unable to find an apartment because my credit reports accounts still showing as collections so please delete them from credit report, so that I can find a home to keep my family safe during pandemic. 

We are from XXXX working here as XXXX, staying with families, please show some sympathy on hard working people. 

Please update my credit report so that i will get a home to keep my family safe. 

Thanks, XXXX
Consumer complaint received 2020-06-18
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: SYNCHRONY FINANCIAL (NY)

Synchrony Care Credit and XXXX XXXX XXXX XXXX Date opened : XX/XX/2017 The veterinary hospital told me to open a Care Credit medical use credit card. 
I told the front desk that I did not have income, I am a student. 
He told me to put SSI and food stamp as my income in order to get approved for the credit card. 
I did not need this credit card, i already have a XXXX credit card. 
This credit card was opened under fraudulent conditions, and should not be charged in the first place, and I should not be held responsible for the amount. 
Furthermore, the Vet hospital said we would not be charged because we told them we were low income and they would charge a third party organization for the statement. And that the credit card would just be on file. If we knew they were going to charge us thousands, then we would have left after the initial exam cost around {$100.00}.
Consumer complaint received 2020-08-12
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. (PA)

I paid in full to my credit report collections accounts, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, but still my account not updated showing as serious delinquent accounts on my credit report. 

I lost my current job due to covid 19, I have XXXX XXXX old kid and XXXX XXXX XXXX kid, my current lease manager told me to vacate the current house by XXXX XXXX XXXX XXXX XXXX, i am trying to find an apartment in Massachusetts, i am unable to find an apartment because my credit reports accounts still showing as collections so please delete them from credit report, so that I can find a home to keep my family safe during pandemic. 

We are from XXXX working here as XXXX, staying with families, please show some sympathy on hard working people. 

Please update my credit report so that i will get a home to keep my family safe. 

Thanks, XXXX
Consumer complaint received 2020-06-18
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$22000.00} XXXX   XXXX XXXX {$190.00} XXXX {$1700.00} US DEPT ED XXXX {$13000.00} XXXX XXXX XXXX {$500.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery ( XXXX ) XXXX calls repeated times throughout the day, often beginning at XXXXXXXX XXXX  and then multiple times throughout the day. 
The debt they are calling about was written off in XXXX when I declared bankruptcy.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

On XXXX, I received a notice from a Mortgage Broker with whom I've filed an application stating that my credit has been frozen. To my knowledge, I've never frozen my credit. In order to unfreeze my credit, I went to the Experian XXXX XXXX XXXX  ( https : //www.experian.com/freeze/center.html ) and followed the " Remove or lift a security freeze '' button. I fill out the form correctly and truthfully, but when hitting Submit, I get a " Security freeze error '' with " We are unable to process your request. If you would like further assistance in removing your Freeze, please contact us at XXXX ''. Calling that number, however, is completely unhelpful. It's an unmanned line with only two inappropriate options and no way to reach a person or address my concern and ending with a description of how to send a snail mail letter.