davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
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)

Reference # XXXX Huntington bank I thought I purchase concert tickets XX/XX/2024 in the amount of {$320.00}. These funds were taken from my account. I never received a confirmation number, a receipt or the tickets. I filed a fraud claim with Huntington after multiple attempts to reach XXXX  ( an app ) I used to purchase the tickets I never received. I had to use a chat feature as the phone number kept me on hold for hours. The chat kept disconnecting as each agent asked me to email them various pieces of information which I did.. not one agent could locate my order. I was given multiple phone numbers to contact as each stated the purchase was through XXXX  XXXX  ( a reseller ) when calling the numbers provided those agents were unable to locate my order as well.. the phone number provided on my Huntington bank statement was also for XXXX.. when I tried to call that number they were unable to locate my order. Again, this number was given to me by my bank .. printed on my statement. When I called Huntington Bank and was in touch with their fraud department, they provided me a disputes email address to send all of my information to. I emailed them screenshots of my chat, communications, a copy of the transaction, where the money was taken out of my account and expressed multiple times that I did not receive a receipt or a confirmation of my. Again, all of this information was emailed to them. I received written communication from Huntington requesting the same information, in which I hand wrote that I had emailed them what I had and that was all that I had and mailed it back. I received a letter from Huntington claiming that they did not receive the documentation that was requested and so they had concluded their research, and did not find any evidence that an error had occurred. An error did occur, and money was taken from my account without providing me with what I thought I had purchased. Huntington Bank has failed in this investigation. I do not believe Huntington bank did any investigation, and I would like proof of their investigation. I do not believe Huntington bank acknowledged the emails that I sent to them at their request. This should have been opened and closed. The phone number provided by them Huntington Bank for this transaction is clearly printed on my bank statement again provided by Huntington Bank that phone number is unable to locate an order or a transaction for what Huntington Bank allowed. 
All attachments here were sent to Huntington bank via card disputes email
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (CA)

.there is a past due amount of XXXX dollers and a monthly balance of XXXX dollars and the account is still open marking me late on payments it should be updated to positive regarding Title 15 of the United States Code, Section 1681s outlines the responsibilities of furnishers of information to consumer reporting agencies. These responsibilities include providing accurate information, investigating consumer disputes, and correcting any inaccuracies promptly
Consumer complaint received 2023-07-20
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)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$27000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Not Reported XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-07-20
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. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXXXXXX & XXXX XXXX
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP (MA)

My computer got hacked and got wrong wiring instructions, i was sending a wire to who i thought was a vendor " XXXX XXXX '' on XX/XX/2023. My bank ( XXXX XXXX XXXX '' sent the wire to XXXX XXXX XXXX XXXX  -- - the beneficiary on the wire was " XXXX XXXX ''. Once we found out this was a fraud, workers credit union on XX/XX/2023 sent a request to Key Bank to return the wire. Key Bank sent an email stating that the beneficiary of the wire was a name '' XXXX XXXX not XXXX XXXX XXXX. Key bank also stated that XXXX XXXX wired this money 2 more times to other Key bank branches -- the first being Key bank in XXXX XXXX XXXX  then that got wired to Key Bank- XXXX XXXX XXXX 

To me, Key Bank has a responsibility here -- 1 ) they never checked to make sure the beneficiary was correct -- i sent it to a business and it ends up in someone personal acct??? that should send a red flag 2 ) then the person " moves '' that same money to two different key bank locations -- that should be a BIG red flag the amt of the fraud is {$46000.00} actions taking 1 ) filed a report w FBI 2 ) filed report w local police 3 ) my bank - XXXX XXXX fraud div has contacted Key Bank Fraud and am waiting on response
Consumer complaint received 2024-02-23
Product: Credit 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: GOLDMAN SACHS BANK USA (IN)

One night around XXXX I had received multiple alerts of purchases in {$50.00} in increments for XXXX gift cards . All of these charges were made within the span of about 20 seconds and there were over 15 charges before I was able to lock the card. Despite Apple Card agreeing that 14 of them were fraudulent they insist the first charge which was made at the same time as all the rest from the same location in a foreign country, was legitimate to them. In their terms and agreements they have a clause stating that consumers are not liable for fraudulent charges yet they insist on telling me I am responsible for paying for it now.
Consumer complaint received 2024-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (CA)

To : The Freedom Mortgage Team I would like to share an interaction with an employee of freedom Mortgage. I will share additional details below, the major concern is the approach and demeanor I was addressed with, that was in sharp contrast from Freedom Mortgage XXXX  and Values, start with well-being and improvement of our customer livesas well as US Veterans which I am XXXX XXXX XXXX XXXX 
I am asking for a review of the conversation on XX/XX/year> @ approx. XXXX XXXX, with what I am referring to a XXXX XXXX customer service ( XXXX ) person, I believe her first name was XXXX, she mentioned would add notes to my file, information provided below. 
The initial contact XXXX person was very good, however, could not provide the required assistance, I asked for a supervisor was transfer to XXXX, I hope she does not represent Freedom Mortgage values. 
The propose of this correspondence is a review of recording on XXXX, with level XXXX XXXX  Basically, I was asking about rescinding the negative credit report for a missed payment, due to the fact the payment was made in a timely fashion, per Freedom Mortgage records. 

For others to read, based on my experience.XXXX Do not use Freedom Mortgage for all locations, very poor customer service personnel at all levels, even reported my experience with Freedom Senior management team, the upfront persona does not match the actions of this company. 
In the event they purchase your loan, Sorry. They purchased our loan, now I have a much lower credit rating, due to their actions. Please, keep your sanity. DON'T USE FREEDOM MORTGAGE for any mortgage business. If you do, you won't be satisfied!
Consumer complaint received 2023-07-20
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. (AL)

I am filing this dispute against TRANSUNION for unfair and inaccurate credit reporting for an unvalidated XXXX XXXX XXXX Credit Card Charge Off/Other Derogatory account with a balance of {$4200.00}. I have made several attempts to resolve the matter with All In XXXX and TRANSUNION. I have disputed this account without any action which is a violation of The Fair Credit Reporting Act. Charge Off definition based on XXXX : A charge-off is an entry on your credit report that indicates a creditor, after trying and failing to get you to make good on a debt, has given up hope of getting payment and closed your account. Per the comments reflecting on my credit report : Unpaid balance reported as a loss by credit grantor. I requested a 1099 from XXXX XXXXXXXX XXXX by certified mail and did not receive a response. I am disputing inaccurate and incorrect information on the account. The account is reporting as Charge Off but does not have any payment history reporting to support delinquency on credit report therefore payments made on time, late payments, and C/O status is unknown and can not be reported as Charged off as bad debt. This is inaccurate information and I demand the charge off to be deleted immediately from my credit report. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. They need to be held of violation of the consumer 's law.
Consumer complaint received 2024-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc. (GA)

Rozlin financial group has claimed I owe a debt for XXXX its not mine Ive told them it was XXXX XXXX and showed them forms from ftc and police reports proving it wasnt mine theyve been reporting it to my credit Ive told them to cease and desist and Ive also asked them for debt validation they cant provide the original signed contract or where they have ownership of the debt they also dont have a license to collect in my state this debt is also not mine
Consumer complaint received 2023-07-20
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items 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 items 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. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 2023-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX US DEPT ED Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I am writing to dispute the recent reversal of funds related to unauthorized transactions with XXXX XXXX on my account. 

On XXXX XXXX, XXXX, XXXX unauthorized withdrawals XXXX of {$50.00} and another of * $ XXXX occurred, and on XXXX XXXX, XXXX, another unauthorized withdrawal of ** $ XXXX was made. I promptly filed a claim for these transactions. Wells Fargo initially credited my checking account for the full disputed amounts. However, XXXX weeks later, Wells Fargo reversed this credit after denying the claim, approving only XXXX of the unauthorized withdrawals. 

I contacted XXXX XXXX, and they directed me to address this issue through my bank. Given that I followed the proper procedure and reported the transactions immediately upon discovery, I am requesting a thorough review of my case. 

Thank you for your attention to this urgent issue.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

Leased a new car from Hyundai ( Hyundai Motor Finance ), Lease term was 36 months from XXXX to XXXX. All monthly lease payments were done on time never late and completed in full. I returned the car back after the lease and got a request for payment of {$400.00}. Called Hyundai and they told me that because I did not lease a new car, or purchased the car from them, I had to pay the {$400.00}, that is much more than my monthly lease was. I disputed that alleged debt and asked them to provide evidence, they did not provide any. 

Meanwhile Hyundai reported to credit agencies that I owe {$420.00} now. I have a dispute with Hyundai about this amount and also tried to reach a settlement with them, they refused to talk about it. They reported this alleged debt to credit agencies as if it was part of the loan. That is not correct, it is a disputed charge after the lease payments were paid in full. Their report is wrong, the {$400.00} had nothing to do with the monthly lease payments that anyway were already paid in full. Now this alleged balance shows up as nonpayment delinquency every month on my credit report. By filling this false information Hyundai tarnishes my reputation and negatively affects my credit history. After they made the report to credit agencies, they after initially ignored my request to settle, offered to settle by giving me a small discount. I made a counteroffer which they ignored.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (NY)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (FL)

My partner had his IRS refund set up to deposit into my account. XXXX XXXX  and IRS website both say it was deposited/funded into my account on XX/XX/year>. Chime is saying its not there and there is no record of it. My partners money is just now missing?!? We also have a trace # that says it was sent to chime to be deposited. 
Yet someone told me thru chat help it was under a manual review. Then I spoke to someone on the phone thru chime and they have no clue what Im talking about saying its not there.
Consumer complaint received 2023-06-23
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.