davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

At Huntington bank, in XXXX Ohio in front of giant eagle, I deposited a payroll check. I asked them their policies on holds and if there would be one on my check and the bank teller told me no that my funds would be available next day. I asked again if the teller was sure explaining the previous weeks issued and she reassured me my funds would be available the next day. I cashed back {$300.00} of my {$1100.00} paycheck. I trusted the banker to provide me with the correct information. The next day I got an email about a hold with no explanation why. When I called Huntington explaining my experience they told me they were going to hold my funds from friday morning deposit until Thursday the following week. My electric went off from non payment because of this hold. I have a XXXX year old daughter, and XXXX older kids who are all now in XXXX  XXXX  due to the lies of the bank teller. I deposited my check under the lies of that bank teller. Now I'm XXXX  without electric until they release my hard earned money.
Consumer complaint received 2021-01-05
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. (MS)

I am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XXXX XXXX file and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for inaccurate reporting
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (CA)

When I first applied for a Victoria Secret Card I was turned down. Although I saw other people being approved. I finally received my card, after initiating a call to the Service Center, and verifying questions from my Credit Report. This was the first of many issues I have had with the Service Department of Comenity Bank. Recently I requested an additional card for my daughter. Instead, I received a letter from Comenity Bank indicating the process was delayed because they were not able to reach me with the information provided.

I called Comenity Bank, explained the situation, and was told I would be transferred to the Service Department Supervisor ( as I was when the account was first approved ), but instead I was transferred to Fraud Prevention. The Agent answering in Fraud Prevention indicated it was unusual that I would be transferred to Fraud. She indicated my scenario was common and could have ( should have ) been handled by the Service Department Supervisor. She suggested that she transfer me back to the Service Department Supervisor, with a soft hand off, informing the Service Department of their error. I waited 30-45 minutes for someone to pick up. No one ever did.

I tried to sign on to my online account, so that I could write the Service Department. But my password ( although verified and saved ) was not recognized. I went through the formality of changing my password ( to the same password I previously assigned ). I left a detail secured message. I received a rude, unprofessional response from the Service Supervisor, who never addressed the service failures. In my secured message, I requested a call from a Supervisor, and to be sure I recognized the call number, I requested the number from which to expect a call. I have yet, to not only receive a call back, but even a response to my secured message. Today I tried to sign into my online account, and YES. Once again, my password could not be recognized. This is ridiculous. Enough is enough. I hasten to believe that all customers are treated with such disparate treatment.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

I have had my account frozen twice in the last few months for funds being taken from my account that i did not approve. I just had {$800.00} taken out of my account from a XXXX Credit card that I do not have nor did I send a payment to. Now I don't have the money to pay my mortgage that is due today and they will not call me back to fix the issue and free up that money. There security is XXXX and I'm tired of struggling because they don't fix the issue timely nor do they have protections in place to prevent this from happening in the first place.
Consumer complaint received 2022-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This letter is to inform you that I am disputing this debt. After receiving a response to my original dispute letter, I contacted the original creditor who was unable to verify this account as mine. Please delete this furious account off my credit report.
Consumer complaint received 2021-09-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (IL)

i signed a contract with elastic XX/XX/2016 not with ncb management my original account with elastic account number ( XXXX ) consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and thier responsibility must consist of something more than merely parroting information recieved from other sources. the collection account is also reporting open, please remove this account immediately from my credit report. and please provide me a copy reflecting this account removed,,
Consumer complaint received 2021-09-19
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: EQUIFAX, INC. (VA)

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Consumer complaint received 2021-09-28
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. (PA)

fact, I the affiant is aware and have proof that Equifax has and continued to violate my consumer privacy rights. I the affiant observed 35 violations on my consumer credit report. XXXX is and continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed numerous times that's the information was incorrect and should not be on there. I have been injured numerous times from XXXX 's gross, negligent and willful behavior. these injuries include, and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX, and mental anguish.
Consumer complaint received 2021-09-20
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. (NY)

I am complaining through the Bureau because Transunion LLC has not reasonably determined that ( A ) the information was blocked in error or a block was requested by the consumer in error ; I did not write an FTC report in error whatsoever. I noticed fraud on my file and notified Transunion and other Consumer Reporting Agencies, promptly. I have attested to that fact in an affidavit under the penalty and perjury of the law. Can Transunion show me any error they have found, in writing. I request that.

( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ; No misrepresentations, I submitted all pertinent fact relating to the fraud on on my consumer file and have taken appropriate means to block and remove them.

( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Please have a senior representative of any data furnisher that appears on my consumer file attest to the fact that I am in receipt of ANY goods, services or money. Transunion has determined that I may have but has submitted no proof of this ; I am requesting proof and if not provided proceed with my request to remove the fraudulent account from my consumer file ending in XXXX. 

On XX/XX/21 Transunion wrote a letter claiming that they will not process the block but have not given specific reason why not. This is harming my reputation and prohibiting me from extending credit as a consumer.
Consumer complaint received 2022-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I opened an account with XXXX on XX/XX/XXXX in which I only ordered a SIM card, which was free, since I had my own phone. When I received the SIM card a few days later, I attempted to activate my account so that I could use the service; however, I was not able to activate the account due to a PIN number issue. After calling their customer service, my issue was not resolved, so I returned to my previous mobile provider and canceled my account with XXXX They assured me that the account was closed and I would not be charged anything since I was not able to activate my account use the service. Fast forward, XX/XX/XXXX, I receive a letter from XXXX  about an overdue amount. I called customer service once again and they again canceled the account and assured me that the account was closed and the amount would fall off, so I did not need to pay anything. Then again in May I receive another letter from XXXX regarding the bill that I was wrongly fully charged and that they had claimed would fall off after closing the account. This time, they said they would send it to debt collection if not paid. I then again call customer services who is now telling me that they can not access my account to cancel the charge since it has been closed. After 10+ calls with customer service giving me the runaround, they tell me to go to the store and change my pin so they can access it. I do that, call back, and they still tell me that they are unable to access my account and change anything because my account now belongs to the debt collection Agency Amsher. I called the debt collection agency and they tell me that XXXX has to resolve the issue. Bottom line, after months of speaking to representatives and getting the runarounds, the charge hits my credit score in XXXX as an unpaid debt. I never owed XXXX any money to begin with and they have now ruined my credit score due to terrible customer service and bad business management.
Consumer complaint received 2021-01-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I reviewed my credit report to prepare to buy a home in XX/XX/XXXX for my growing family now that my wife is XXXX  with our XXXX  child. I became aware that my identity was stolen and used to open various fraud accounts so I sent certified letters to each credit bureau to dispute and delete the fraudulent accounts. Tracking confirmations were received and I gave the bureaus more than enough time to review and delete the items. I have paid a monthly membership cost of {$29.00} to XXXX  for months and another {$24.00} to Transunion and XXXX  for months now keeping my credit reports frozen and locked. I have now spent a total of {$300.00} in mailing in my letters to each bureau and it is now XX/XX/XXXX. I have never gotten a response from the credit bureaus and it has been well over 30 business days since they received my items on XX/XX/XXXX. Tracking : XXXX Transunion, XXXX : XXXX XXXX  and Tracking : XXXX  XXXX. I just reviewed my credit reports again and there are no changes in my file and now I have to wait longer before buying our home next month due to my rights being violated as a consumer with the FCRA. This is not right and I am now filing a complaint with the CFPB to expedite this matter and have these fraudulent items deleted immediately from each credit bureau. Thank you for your help so I can provide for my family as my wife is now due XX/XX/XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian Credit Bureau decreased my score by 37 points after I made a payment ON-TIME to a creditor, XXXX XXXX, for an automobile lease. Knowing that my payment was on-time, I reached out to Experian, but was able to talk only with a front-line Customer Service Representative, whose name I could not acquire,. She informed me that, because my payment was the final payment of the automobile lease, I no longer have an ongoing installment loan, which lowers my credit score per their algorithm. I can't account for their algorithms in computing credit scores, but I don't believe that I should be punished simply for fulfilling my obligation to pay an installment loan - such as an automobile lease - in its entirety. This is as counterintuitive as anything that I've seen. If anything, I now have less debt than I had one month ago, so my creditworthiness should have improved or, at worst, remained the same.
Consumer complaint received 2021-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

Collection Company attempting to collect a debt that is not mine, That's Identity Theft and Fraud.

Collection Company They co

mmitted more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I agree.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations.

Each of credit reporting agencies has a different amount of the alleged debt on my report, ( misleading information ) And Collection company has a different amount as well {$950.00} Interest due {$130.00} Pursuant of 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Also they sent me a letter refusing to investigate the account.

I will invoice them for each violation ( illegal activity ) If they don't take care of this matter.

I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). I need them to : Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 3 An Audit trail Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in my state. Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA I have never give XXXX, XXXX, XXXX a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in my credit report agency, specially a alleged debt that is not mine.

No consent is Identity Theft.
Consumer complaint received 2021-01-05
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. (LA)

I was so stress Today, I've sent disputes letter since XXXX2020 regarding to those inaccurate and unknown accounts that I found on my credit report, but they didn't response yet. and those accounts are still on my credit report. I demand that those accounts will be DELETED immediately or I will file a litigation.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It is essential to note that I did not grant permission for these accounts, and their presence is causing me substantial distress. I kindly ask that you prioritize this issue, carry out a comprehensive investigation, and expeditiously remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely valued.
Consumer complaint received 2021-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MD)

I recently noticed I have been a victim of identity theft. There are some accounts that were opened in my name that I did not open, and it is severely hurting my credit report. 

It would be greatly appreciated if you could please delete these accounts off of my credit file. 

This recent discovery has been hindering me in many aspects of my life. I am currently in the process of buying a house for my family. I ask that the items be deleted to correct my credit report.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I tried faxing i.d an proff identification card an Equifax steal having tried fixing it going on year My I cant use .my credit steal letting company use account I lost so much money bank accounts card dealing false birthday
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (CT)

I applied for a BJs Credit Card through Comenity Bank. They approved it for a {$10000.00} limit. In less then a month, they closed it because they said they didnt like some information found on my credit report. Now I have an account that was opened and closed within a month on my credit report. This leaves a negative mark on my credit stating that the creditor closed my account less then a month after opening the account. I requested the bank to reopen the account but they will not. I rank a VERY GOOD credit score. If they dont want to extend the line of credit then so be it. However, I should not be penalized on my credit statement showing an account that was opened and immediately closed. If they they didnt like me credit report then they should not have approved it just 3 weeks prior. I showed no sign of excessively utilizing the given credit line, so there determination should have taken place before opening this account. So I would like to request the removal of this account off my credit report entirely. This is not fair for them to leave their mark on my credit report for 10 years based off something they could have denied from the beginning. Please let me know if you can be an assistance in this matter.
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I don't know how, but I made a late payment to Capital One in XXXX of 2021. As you can see from the attached file, the amount late was {$4.00}, which is obviously a tiny mistake on my part. They have put a 30 day late notice on my credit report due to this {$4.00}, which is ridiculous since it dropped my score a good 30 points. 30 points over {$4.00}? Really Capital One? You're so petty you'll destroy a man 's credit over {$4.00}?
Consumer complaint received 2022-09-17
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account * 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 A Has Violated my rights.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1618 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX