davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XXXX at approximately XXXX est while attempting to deposit a cash deposit using my atm debit card issued by Huntington Bank the kiosk experienced a system error and proceeded to shut down for no apparent reason. After contacting my bank located in XXXX, MI. XXXX immediately during this transaction a representative ( XXXX ) told me that the bank does not handle atm deposits they could not help and directed me to contact the phone number on the machine. After the machine shut down not returning my cash or my atm card and not issuing me a receipt I pulled away from the kiosk and contacted the number for customer service. The initial representation I spoke with was not able to answer my questions and concerns so I asked to speak to a supervisor and was transferred to ( XXXX XXXX ) who after speaking with for 15 mins began to open a case # ( XXXX ) in regards the error. I was informed that this sorta thing can happen and was likely due to a system update and the investigation process to return my funds and card can take up to 45 days. That is NOT acceptable! I stated to XXXX XXXX that I was not in a position financially to wait that long for them to due an investigation as I have obligations allocated for those funds. He ( XXXX XXXX ) also told me by filing a complaint with this agency, would lengthen the process and that they would not be held accountable for any fees or charges that I would incur because of the error in the machine. Again NOT acceptable! I am seeking the attention of this matter to be escalated to locate my deposit, my card and monetary damages associated with the company 's errors. I was not given the company 's name who handles the Atm kiosks by ( XXXX XXXX ) as he refused to provide me with that information repeatedly claiming it would be a security breach. ( XXXX XXXX ) also provided a false corporate phone number for Huntington bank and expressed to me that by bringing this matter to your attention and/or to the attention of the public via social media I would be risking the possibility of a possible unsuccessful return of the investigation. Given me an ultimatum to not voice my opinion is a violation of my rights NOT acceptable. So many things are wrong here I dont even know how this could ever happen to anyone and take so long to rectify, I'm absolutely horrified at how this bank operates and will be closing my account as soon as this matter is adjourned with compensation in my favor for having to undergo this whole process. Thank you for seeking a positive outcome on my behalf I look forward to your response.
Consumer complaint received 2018-12-17
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. (NY)

On both XX/XX/2018 and XX/XX/2018 there appeared two hard credit inquiries on my Equifax credit report from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Upon being notified of the first hard inquiry from above company ( on XX/XX/2018 ), I put a temporary freeze on my XXXX, XXXX, Equifax, and XXXX reports. Additionally, I reported this to Equifax through their online dispute center. 

Then, as stated above, on XX/XX/2018 another hard inquiry from the above company appeared on my Equifax report, again. Upon seeing this, I placed a total 1 year fraud alert through Equifax which should trigger a notification to the other credit agencies automatically. Additionally, I disputed this second hard inquiry through the Equifax online dispute center, again. 

I do not currently use XXXX XXXX XXXX as a provider, nor have I applied for any of their services. 

Through a quick XXXX search, I have found many people claiming, on the XXXX XXXX XXXX forums, that they have experienced something similar in the past few months. People have described this exact issue, and have stated that the credit agencies have sent them to XXXX XXXX XXXX to resolve it, and XXXX XXXX XXXX sent them back to the credit agencies. 

This seems to be a cycle, that neither party, the credit agency nor the telephone company, want to take responsibility for. I really hope that through reaching out to you, swift action can be taken to have both of these hard inquiries, removed from my credit report. 

Thank You!
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (MA)

I signed up for a XXXX XXXX through Barclays back in early XXXX. I was told I was accepted, but I never got a card. I called I think on XX/XX/XXXX after I never received it and they said they would send another one. I never got that as of today which is XX/XX/18. I called twice today and without warning was cut off and sent to another department. I called a third time and asked for management which they would do until I threatened that I would get hold of the CFPB. I asked them what they had for my address and they wouldn't give it to me. I had given them my DOB and last four of my Social Security number. I was also told on my call back in XXXX that I still had to spend {$1000.00} by the time I was approved not whey I received my card. It has been two months since I applied and I had also flown XXXX again and I couldn't use the card which would have me about {$700.00} of the {$1000.00} I needed! I have never been treated so poorly by a financial firm ever!
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (AL)

Received credit card in XX/XX/XXXX. Paid off outstanding debt to collection company XX/XX/XXXX. Moved lost original payment confirmation paperwork. XX/XX/XXXXcontacted by another collection company threatened concerning BARCLAY BANK OF DELAWARE paid new collection agency XXXX settlement, because of lost original paperwork. Threatened with court and garnishments. Received letter from XXXX XXXX  Office of the President at Barclay Bank Delaware stating that Barclay Bank is not party to any pending judicial matters associated with you or any outstanding debts you may have. I have called an left message at the number given with this letter and yet it is XX/XX/XXXX and I am still receiving debt collections threats and garnishment threats concerning this same account. Does BARCLAY BANK NOT CLOSE OUT their accounts correctly are they rotating through the system and fraudulent debt collection companies allowed to have your personal information are they not sharing that the account is closed out. Does BARCLAY BANK have ACCOUNTANTS are they not keeping up with their own information does XXXX XXXX even exist, does BARCLAY BANK EVEN EXIST or is this a situation where there is a person sitting at home making up fake credit cards and flooding the market with fake credit cards this is my second complaint about BARCLAY BANK FILE COMPLAINT XXXX in XX/XX/XXXXwhat else needs to be done besides me filing a lawsuit against this bank for harassment. This problem has been ongoing for ten years I need help!!!!!!!!!!!!!!!!!!!!! XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (MD)

I am extremely upset and am considering sharing my experience with the local news, XXXX, and any other outlets for consumer protection that exist. The FDIC encourages banks to work with consumers affected by COVID-19. These efforts may include waiving certain fees, including overdraft, ATM, late payment, early withdrawal, and other fees.. This bank did not follow covid protection protocols put in place by the President of the United States for anyone affected by Covid. I clarified that I was affected by covid and I also was severely struggling due to the pandemic. I made proper people aware of the situation and I was basically treated like complete disgustingness by the bank staff and their behavior deserves to be investigated. Not to mention I was forced to pay fees that I could not afford, that were out of my control because the bank refused to assist me regarding the issues I had. I want the chairman of the bank involved I want an explanation of why he thinks this is ok to do to people who are struggling and who were affected by the pandemic directly. I lost so much from this pandemic and how it affected my life, and the bank did not protect me. Now, I paid this bank off immediately after they closed my account, on XX/XX/2021 and SunTrust bank has yet to REMOVE the report THEY HAVE BEEN PAID and there is NO MONEY OWED, there is no reason to hurt my credit, this was not intentional this was because I was affected by XXXX REMOVE the report from my XXXX XXXX now! I demand this issue be resolved and I also demand any and ALL overdraft fees, bank fees, and any other fees that were erroneously, illegally, or improperly charged to my account and taken from me to be immediately refunded. SunTrust should be ashamed of how they treat their customers. I will also go to social media and tell my story in detail. YOU ARE RUINNING MY ABILITY TO GET BACK ON MY FEET AND RUINNING MY QUALITY OF LIFE.
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (VA)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (WV)

This is a utility debt well over 10 years old and the date keeps being changed by the credit collection company to make it look as if it's a new debt. I have disputed this before to no avail and I don't even know for sure if that is the correct amount because mountaineer gas no longer has record of it and attempts to verify with the collection agency have not been successful.
Consumer complaint received 2023-02-04
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: CONTRACT CALLERS INC (PA)

There continues to be a collection reporting on my consumer credit report from Contract Callers in the amount of {$2000.00}.

I have disputed this in the past on two occasions and it was removed due to the company and the credit reporting agency unable to provide me with validation regarding this debt. This is not my debt.

Recently it was once again placed on my consumer credit report using a different open date of XX/XX/2022. I again disputed it and am still unable to get anyone to send me any type of proof or validation concerning this debt. 

My consumer rights are being violated, and no one is taking responsibility for the seriousness of this situation. Therefore, I am making a former complaint to resolve this case once and for all.
Consumer complaint received 2022-07-24
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: Continental Finance Company, LLC (MI)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights.

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-05-17
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. (NV)

I really hope you can help me. XXXX and Equifax reporting an account that is past the statue of limitations. It's over 7 years and should no longer be reporting. I really need your help. There is an account with XXXX XXXX XXXX that it appears is some time of debt buying company. I have disputed it several times and XXXX said to contact XXXX and XXXX will not send documentation showing the account information. I really need your company 's help.
Consumer complaint received 2022-06-19
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 — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (VA)

New Rez -Shell Point mortgage incorrectly credited a payment to principal and then reported a 30 day late, when in fact, they had the payment and a I had sent a second payment once I was notified ( only via US Post almost at the 30 day limit ) so they had a double payment. I am on a credit monitoring service. I complained to both the monitoring service and New Rez. I have tried spending hours on the phone to get no where with New Rez. Their customer service is rude. I have uploaded the complaint letter and documentation to this website. New Rez never even acknowledge receiving my complaint. In frustration with them, I paid that mortgage off and now that account is closed. I would like to get my XXXX credit score back. Their reporting has dropped my score to XXXX. Please help me fix this error which New Rez will not even acknowledge.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CO)

I had leased a XXXX vehicle and when i returned the vehicle i did a walk around the vehicle with a company representative to show no damage to the vehicle. Later on i got a final bill that said i had XXXX bill do which showed XXXX in damage. I called to dispute it but they never sent me proof of anything. I eventually paid it anyway just because it was easier to do then to continue to fight it. i recently got a home loan and saw that the dealership listed my account as a paid charge off. This account was never charged off. I made my payments every month and even the final bill was paid in a timely manner. It is being misreported as a negative account when it was never a negative account. No payments missed and not a charge off. Please help me to get this removed from the credit bureaus as a negative. I have perfect credit and this bothers me especially since it never happened.
Consumer complaint received 2018-05-17
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: DISCOVER BANK (NY)

Discover card has breached my security by allowing a person to plug in my numbers to obtain limousine services from XXXX. According to Discover card a person by the name of XXXX has put {$1400.00} of unauthorized charges on my Discover card by using my card numbers. I blindly paid the credit card my entire bill. After noticing these charges on my credit card around XXXX I brought this to the attention of Discover card. Discover card refused to credit my account after giving me the credit they recharged my account. 
I have not authorized those charges.
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (AZ)

Ive sent XXXX  a dispute letter in XXXX and the reached out in early XXXX but in that letter I told them to send me sign documentation bearing my signature in 30 days I didnt receive nothing. So finally after 60 days I recieved a bogus letter and account number they had to make up. Because if they had it, it wouldnt have took them so long its just not right. Thats why you hear so many bad things about them
Consumer complaint received 2022-06-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Starting on XX/XX/XXXX to XX/XX/XXXX there was unauthorized transactions done by an alleged family and close family friend. As I was displace and XXXX  because the house I was receiving mail at was my grandfather 's house that passed away leaving me to have no choice but to move out. So the alleged family member told me that all mail be stopped and return to sender so I called XXXX to let them know my situation then was told that they didn't have access to my account that I needed to contact bank of America so I did and they had suspended my card and was told that there was a claim to be filed so I did but told them how can I receive my card if the address on file is not valid no more due to me not living there no more so then was told to contact XXXX for change address so within the time frame I was checking in my account I wasn't able to get access to my account because someone had access to my account and set up my online account and I wasnt able to verify myself questions were set up without knowing and having no authorization on who or what the answers were given so every time I would call to get help on my situation it was a hassle I losing hope til recently I was given a bag full of my mail which was sent to me by my brother that he had found in my grandfather 's storage that only my alleged family had access to so I finally was able to get through with bank of America and filed a fraud claim that was made on XX/XX/XXXX that was then denied on XX/XX/XXXX due to being a reopen claim that was made last year in XXXX of XXXX which was done by not me but the person to whom was commiting fraud on my account. So I tried telling bank of America explaining my situation for them keep repeating that I'm not able to file a claim for all transactions made not by me so I was told I can only file a new claim for the transactions that were not on the claim which came out be only XXXX which didn't make sense if there was more then that amount that filed which the total amount should of been more then XXXX which would be {$29000.00} that I was defrauded for
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (CA)

I closed my account in XX/XX/2021 following the instructions given to me by Citibank. For two months my balance was XXXX. Then they started charging both a monthly fee and an overdraft fee each time they charged a monthly fee. Ive used chat multiple times to explain that my account was closed in XX/XX/2021. Each time the representative apologized and explained they would reverse the fees and close the account. But that hasnt happened. Today I got a threatening call saying I owed over {$150.00} in fees for this account- all the fees are for monthly account fees and overdraft fees.
Consumer complaint received 2020-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (GA)

In XX/XX/2020 I purchased tickets to an event using my Regions debit card. The following month, in XXXX, this event was cancelled due to COVID-19. I never received a refund from the vendor despite contacting them multiple times. Therefore, I filed a transaction dispute over the phone with Regions in late XXXX ( proof attached ). The Regions claims rep told me the money would be refunded to my account within 10 business days. She lied. Instead, Regions sent me a claims denial letter the very next day due to " lack of evidence '' ( proof attached ). I faxed Regions proof of the event cancellation ( proof attached ). Regions never responded or refunded the money to my account, so visited a branch location in XXXXXXXX on XX/XX/XXXX. The asst mgr, XXXX XXXX, told me that she can not assist with a claims dispute in-store and that it must be handled through their 800-number. I informed her that I called the number multiple times and no one EVER answers. She said " I know they don't answer, but you just have to keep trying. '' To-date, Regions has failed to refund my account ; I am escalating this matter to CFPB for investigation and resolve.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

I requested to open a secured credit card in order to help build up my credit score on XX/XX/2022, saving account ending in XXXX secured credit card savings. I applied {$400.00} dollars as required. I called several times to find out the where about of my credit card. I was giving misinformed information over the phone repeatedly. I was told from customer service that their systems are converting to the recently merged from BB & T to Trust. I received my card in the mail yesterday but that was after the fact when I called in to the credit card department and was told that the card was not submitted, out of anger, I requested to have the credit card canceled and the refunds returned to my account. I was told that it can take 30 days to do so. The bank gives customers misinformed information about their own accounts and during the process, the customers don't have access to their own funds due to the bank errors and inaccuracy. This is unacceptable to punish customers for their out-of-data system by holding customers ' funds and not releasing them by applying the funds to another account, sending a check by mail, or in-person return funds.
Consumer complaint received 2022-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (GA)

I've repeatedly disputed the third-party collection agencies that brought the original creditors that were included in myXX/XX/XXXXXXXX, bankruptcy. I would like to know what proof was provided to Experian, report number, XXXX, XXXX. XXXX, 2022, to remain as accurate reporting? Because I'm disputing the original creditors that were sold to the third-party collection agencies listed below. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$410.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2700.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$8800.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2500.00}, Original creditor,XX/XX/XXXXl XXXX, XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2400.00}, Original creditor, XXXX Bank, Contact info, XXXX. 

Best regards, XXXX XXXX XXXX XXXX ( XXXX ) XXXX cellphone number