davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
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. (TX)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-09-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My Huntington Bank standby cash account was disabled under constantly-shifting terms. 

I met the stated requirements to access my standby cash/credit line, per multiple official correspondences from Huntington Bank . It took 4 employees almost 2 hours to discover that a term of service had shifted regarding recency of overdraft charges and standby cash. It took a team of 4 employees to figure out a service term had changed. They work there and couldn't figure it out - How is a consumer expected to be informed? 

The result is that I am not able to access my own credit line, but they still collect interest on my balance. 

Timeline of my attempts to remedy the problem with Huntington directly : XX/XX/2021 - XXXX XXXX I was transferred via customer service phone line to XXXX XXXX, customer service supervisor. XXXX XXXX read me a Terms-Of-Service document about interest accrual, then said I didn't pay my standby cash balance. 

I have proof I did. She put me back on hold " to do research. '' I stated repeatedly that I only wanted to use the standby cash I was told I have access to. 

XXXX said that none of the information I presented her with was true ( this was a lie, I would later find ). 


XX/XX/2021 - XXXXXXXX XXXX On XXXX, XXXX DM 'd a complaint to Huntington Bank. XXXX, their service rep, referred me to a private secure chat line with Huntington Bank. 


XX/XX/2021 - XXXX XXXX  A customer service rep, XXXX, finally informed me that a new term of service disabled my standby cash for at least a few business days. I asked if there was any way to override this new term and was told no. I pointed out that they would continue to accrue interest on my remaining balance while refusing me access to my own credit line. XXXX apologized and offered no remedy.
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (FL)

I have disputed the late payments on my old car loan several times and each time I get a response from XXXX XXXX that they have asked wells fargo to fix the errors but they never do. I also sent a fax, as wells fargo customer service refused to provide any other contact method besides paper mail. I sent that on XX/XX/XXXX and still no response to my request. Every time that I had an issue with payments, I would call and speak with a wells fargo customer service rep who assured me that notes were placed on my account and that I would prevent my credit from being impacted. I was never more than a few days late and it was sporadic never consecutive. 

30 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2018-06-28
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: National Credit Systems,Inc. (GA)

I Noticed The signature on those document they send me. That, s not my signature.I wrote a latter to collection representative XXXX XXXX XXXX asking to remove that debt is not mine. I hope they do they write thing by deleting that information not matching Signatures That is not mine.
Consumer complaint received 2022-12-01
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)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report XXXX as Company Info : XXXXXXXX XXXX XXXX Account No - XXXX XXXX. XXXX XXXX- {$1300.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account XXXX XX/XX/XXXX I already contacted XXXX XXXX on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2021-09-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (NY)

On XXXX XXXX,2021 I opened a money transfer using RIA. the transfer 's order number, XXXX, XXXX for XXXX XXXX XXXX located in XXXX XXXX XXXX On the XXXX XX/XX/ 2021, or the next day, Saturday I canceled the Money Transfer. The amount of the money transfer was {$100.00} plus a fee of {$6.00}. 

At the time of the cancellation, I was told the money would be available in 40 mins. I went to the storefront I purchased the transfer, XXXX XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX.on Sunday the XXXX 2021 to pick up my funds. I was told by the clerk that the funds were not yet available. I began calling Ria almost daily from Monday the XXXX to today, the XXXX. to get an update on the funds. Each time I am told that the bank in XXXX has not released the funds.. Today when I called I received the same reason and that the funds were not available. When I told the operator or agent that I was thinking of placing a complaint, FTC, I was told that the funds were ready for pick up. I am going to the storefront to see if my funds are available
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (LA)

My husband and I lived in an apartment XXXX XXXX. We were told our lease would not be renewed. We had a {$450.00} dollar deposit and when we checked out the leasing agent went through apartment and said she had never seen a cleaner apartment. When we moved in we did not get any new paint or anything as we were only on a 3 month lease. Our last month as the leasing agent XXXX told us that we would have the remainder of our deposit mailed to us which we only owed 9 days on rent. They put me in collections for over XXXX $ which we did not Owe! I tried to contact the apt manager and she would never call me back and just put me in collections on my credit bureau! They even put our water bill which is not affiliated with them.
Consumer complaint received 2021-03-09
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: Early Warning Services, LLC (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2018-06-28
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 XXXX ] has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus. 

I closed this count in XX/XX/2017 and it has yet to be reflected as such on my credit report and is still accumulating interest I Spoke to XXXX XXXX who advised our request for validation of this debt has not been received. 
at this time this debt is considered Legally noncollectable
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

Recieved an alert detail from XXXX XXXX on XXXX/XXXX/XXXX they found report through Experian credit agency. 

Regarding : Suit or judgement notification submitted by XXXX XXXX XXXX. 
date filled XXXX XXXX, XXXX date satisfied XXXX XXXX, XXXX court : XXXX XXXX XXXX Status : Grid code 9 Case number : XXXX XXXX XXXX of XXXX, IN I have called XXXX to discuss this matter representative was not helpfull at all and seemed he had no idea what i was speaking of currrently my loans are not in default and on auto payment through my bank.
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear Capital ONE Credit Card ; Happy New YEar! Hope all is well on your end. Listen, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2019-03-29
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: CITIBANK, N.A. (CA)

I am telling Citi bank from XXXX that did not use the card. Open a dispute, but they are saying I am responsible for it because they found my card chip on transactions. They can not help me with it, and I don't know what I do not. My credit score is going in terrible condition
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is a new complaint but is caused due to another complaint currently pending. I am negative my account because BOA refuses to revese the funds they took out of my account causing me to go negative. I had a bill come out of my account yesterday and it caused me to go negative due to well the money for this bill is being held up by BOA claims department and fraud prevention ( i guess when you're fraud prevention you know how to scam your cosumers without any quilt. ) Thing is i dont get my check until Monday and now i am in a even bigger mess because i am deeper in negative which they didnt give me any time to get to a bank to deposit money to get my account up to date. I forgot the payment was coming out and before i could change my payment method it was too late. And BOA doesnt care. They are going to sit here and hit me everyday until moday with overdraft fee of {$35.00} causing my check on monday to be even less and putting me at a even bigger disadvantage to catch back up from the hole they caused me by not giving my money that was taking out of my acount not once but twice without my permission. Claim department wont help me at all and i have to wait even longer for them to prove why I dont deserve my money that is legally mine. They refuse to give me any help because of the complaint i put in i am sure. Bank of america has to be investigated. They are hurting cosumers more than helping. Its a shame. They are supposed to protect thier customers. We chose to put our hard earned money in their banks, with the confidence that they wont scam us of commit fraud like they have already done to me so far. Please, something has to be done. If this is happening to me, i can only imagine how many more people they are doing this to. And i currently bank else where, and i promise you, it is nothing like here. This is horrible.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FIDELITY CAPITAL HOLDINGS, INC (AL)

I called Fidelity crd several times stating that the time they are charging me for I was no longer a resident in this area they reported I left without notifying the landlord that's wasn't true I return key and remove myself from property because my lease was up and I never agreed to another lease agreement for the year and months she is reporting me for .Me and my children was living in a XXXX XXXX XXXX at XXXX XXXX XXXX at the dates she is referring to I have text messages saying I paid her what I owe for the month of XXXX, XXXX, and XXXX and then we removed ourself from property
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XX/XX/2022 an Affidavit of Fact was sent to Equifax Certified mail : XXXX with confirmed delivery XX/XX/2022. XXXX Certified mail : XXXX with confirmed delivery XX/XX/2022. 

This was a request for inaccuracies amongst the three credit reporting agencies to validate alleged debt accounts. The listed accounts below are negative accounts that are reporting on my consumer credit profile and causing great harm to me mentally and financially. 

Equifax and XXXX have failed to respond in the time allowed by the FCRA. 

XXXX XXXX XXXX Account # XXXX Amount : {$3900.00} ( both Equifax and XXXX ) XXXX XXXX Account # : XXXX Amount {$130.00} ( both Equifax and XXXX ) XXXX XXXX  XXXX Account XXXX : XXXX Amount {$9800.00} ( Equifax ) XXXX  XXXX XXXX Account XXXX XXXX XXXX Amount {$6400.00} ( XXXX )
Consumer complaint received 2021-03-09
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. (GA)

I have disputing with XXXX two different accounts ending in XXXX opened in XX/XX/XXXX opened without my knowledge or consent for {$3600.00} and act ending XXXX opened in XX/XX/XXXX with my knowledge or consent for {$2000.00}. I have sent certified letters to XXXX, Experian, XXXX and XXXX XXXX. XXXX XXXX asked for Bankstatements, and a previous utility bill for XXXX of XXXX and XXXX for proof that I was not living in Georgia when these two fraudulent accounts were opened in my name. I have called numerous times and have spoken to XXXX XXXX manager ID # XXXX in the fraud department along with her co worker XXXX extension XXXX at XXXX XXXX.I have phone records to show an incoming call on XX/XX/XXXX at XXXX EST I was called by XXXX for 18 min 42 sec call asking for the above documents. She provided a Fax number and email address to upload all documents. I sent everything over as request and I was informed all was received the same day. I called for several months trying to receive help to remove these fraudulent accounts and none of the agencies seemed to care or assist. On my XXXX account I submitted many online disputes. Please see below : Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair and accurate investigation or dispute. 
Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair accurate investigation or dispute Opened : XX/XX/XXXX closed on XX/XX/XXXX Opened : on XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not allow me a fair and accurate investigation Please see below the times of which I contacted XXXX with no help or calls back after I faxed and email the docs that were requested : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 6 times that day ) XX/XX/XXXX XXXX ( 2 times that day ) XX/XX/XXXX XXXX ( I was transferred and spoke with 3 agents for a duration of 2.5 hours ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 3 times that day ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I was informed that my documents were being reviewed and that I would receive a call back. Till this day I not received anything back. I also attached all documents and information to XXXX, Experian and XXXX and still nothing. 

Please investigate as I need Both charge off accounts for XXXX XXXX needs to be Removed!! 

Thank You, XXXX
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (NM)

T-mobile, working with Amsher Collections harmed my credit score substantially by prematurely reporting a debt to all three credit bureaus without proper notification on a closed, paid in full account. I have not received any correspondence from either XXXX or Amsher. My first notification of any amount due was an alert from my credit monitoring service. 

Upon further investigation it appears to be standard operating procedure for these two entities to act in this manner, which may be a violation of the Fair Credit Reporting Act. There are multiple complaints online of similar behavior from these companies which appears to be retaliation for dropping them as a wireless carrier. 

I called XXXX yesterday, and they refused to speak to me stating that they could not verify my identity because I didnt have some PIN code they wanted. I do not recall ever having a PIN code and when I requested that they verify me by some other means, they refused. 

I called Amsher today, and was repeatedly placed on hold for long periods, hung up on more than once, yelled at and then threatened with a ludicrous accusation that I made a false statement. This company should be investigated for their unethical business practices.
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

Reporting negatively on my credit that I owe them money for an account that I have no knowledge of. I have disputed with the credit bureaus and this company has reaffirmed that they have a debt. They have never contacted me regarding any debt and I have no knowledge of this company or of any debt with which they represent or are reporting.
Consumer complaint received 2022-01-26
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. (AZ)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take action due to the stress you caused me. My information was also may have got into the hands of the wrong person