davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I applied for an SBA loan with Huntington Bank and the representative took my information and submitted the application supposedly to underwriters on XX/XX/XXXX. The issue that I have with Huntington Bank is their representative lead my business partners and I that the loan was still being reviewed but was already decision without a notice or letter of denial which is a violation. I called on XX/XX/XXXX and spoke with another representative in the branches stated it was denied and reasons did not fit my financials. SBA loan originators need to viewed by the government to vet their lending practices because they are making it hard for middle class and small business owners to utilize this product from the government. They advertise that they help out veterans and minorities and yet the loan originator stated that they treat everyone the same to avoid " prejudices '' or " treat others indifferent '' how can that be when they advertise it means they really dont believe it and they really dont understand the business practices that the SBA lender guidelines require. The government really need to look at their lending practices they also stated that the industry " coffee '' is high risk supposedly when it is on the SBA lending approval. The company needs to revisit their business practices and go by the guidelines set by the SBA also there should have been a letter of denial explaining the reason for the denial. I'm not for sure how we were denied my credit was not pulled and he gave me scores from one bureau that did not reflect an inquiry from myself or business partners. This experience has felt very prejudice, biases and insensitive to people trying to start a business that will benefit the economy.
Consumer complaint received 2022-01-27
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. (FL)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I see I have another 2 accounts, I dont understand where you get from them I believe that someone have my personal information. I m disappointed!
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX 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 15 USC 1681Section, 602 ( a ), states I have the right to privacy, XXXX XXXX XXXX, Section XXXX XXXX, also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX c ( a ) ( XXXX ) XXXX XXXX, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX years. Lastly, 15 USC 1681 s-2 ( a ) ( XXXX ) 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 in accurate.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Albert Corporation (MD)

On XX/XX/2022, I received in the mail an unsolicited Albert cash card. The card reflects my name and was mailed to my home address. On XX/XX/2022, I sent an email to XXXX notifying them that this was a fraudulent account opened in my name. I requested that they close all accounts in my name and send me confirmation that action to close all accounts in my name were closed. On XX/XX/2022, I received an email from XXXX thanking me for bringing to their attention the Albert cash card I received in the mail. They asked me to confirm the full name printed on the Albert cash card and the last 4 digits of the debit card number. They indicated they would close the account once this information was received. On XX/XX/2022, I responded with the full name on the Albert cash card and the last 4 digits of the debit card number. I requested written confirmation that the account was closed and also confirmation that there were no other accounts open in my name. As of XX/XX/2022, I have not received any further communication from Albert.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CT)

I no longer wanted to deal with a merchant with whom I had a terrible experience. Unfortunately, while doing business with her, I gave her a preauthorization to charge my card on XXXX, XXXX and XX/XX/XXXX. I decided to end the business relationship and paid all money owed to the vendor on XX/XX/XXXX. This unscrupulous vendor was angry that I was discontinuing her services and insisted that she was going to charge my card on XX/XX/XXXX. Knowing this, I called Chase and asked for any charges to this merchant to be declined. Instead, they disputed a valid transaction with the merchant, which caused me more problems - including her consulting a lawyer, additional atop payment charges and further harassment. I called Chase again and they assured me that the charge on XX/XX/XXXX would not go through and I was so nervous about it, that I changed my card. The charge did not go through on XX/XX/XXXX, but did go through again on XX/XX/XXXX and the merchant charged me {$290.00} and undoubtedly will try again in XXXX and again in XXXX to make up for not getting money in XXXX. 

After submitting the dispute online on XX/XX/XXXX, I got a message that I had to call the bank about the dispute. When I spoke to a customer service rep, and explained how frustrated I was, he explained that no one stopped additional future charges from this vendor. Unfortunately, the reception was very bad and I didnt understand all that he said and the call got cut off. I dont understand what is unclear about stopping future transactions from a merchant - especially after explaining what a horrible experience I had with the vendor. I had to call four times to make sure charges from this merchant would not be paid. 

Now the bank has to dispute the charge with the same vendor who will stop at nothing to get money not owed to her. 

I am a bank XXXX XXXXr and this customer experience leaves a lot to be desired. No one should have to go through this kind of experience with a vendor and having to chase the bank further adds salt to the wound.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

I had a XXXX account ending in XXXX that was sent to collections with XXXX XXXX XXXX. However, XXXX has confirmed that the statute of limitations expired on this alleged debt as of XX/XX/XXXX, and that they are not owed any money and will not be collecting on the account. 

Despite this, XXXX XXXX XXXX inaccurately reported this account as a collection item on my credit reports through XX/XX/XXXX. As of XX/XX/XXXX, XXXX is now inaccurately reporting this account themselves directly to at least Equifax. 

I have filed multiple disputes with Equifax to have this erroneous collection removed. However, the disputes are being denied, with Equifax stating the information is being verified as accurate by XXXX XXXX 

The only fair resolution is for XXXX, as the furnisher, to instruct all three credit bureaus to promptly delete this account from my credit reports, as required by the FCRA. XXXX needs to rectify their inaccurate reporting and provide confirmation to me once the account is removed. I look forward to their cooperation in resolving this matter.
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.
Consumer complaint received 2021-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates XXXX at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$610.00} and calling me after I have asked them repeatedly to stop to the point I had to block their phone number. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. Portfolio Recovery Associates XXXX does not have a contract with my signature and I do not owe them a debt.
Consumer complaint received 2017-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Service, Inc (FL) (FL)

Recently a complaint was resolved between me and United Collection Services on XX/XX/2017. 

CFPB Complaint:XXXX The terms which were made by Manager XXXX XXXX XXXX ( XXXX ) stated that my collections would cease and that all reported information to the credit bureaus would be deleted entirely. It is exactly 20 days later and the fraudulent collections are STILL being reported on my XXXX credit report preventing me from acquiring new credit. 

Please confirm the removal of all collections and forward them to either me or the CFPB.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Lending Club Corp (NC)

On XX/XX/XXXX, LendingClub Bank, banking partner of XXXX XXXX, suspended my account, demanding an external investment account statement ( from an account that doesn't provide statements ), info regarding my recent debit card transactions, and a copy of my XXXX Tax return. The freeze caused two returned ach deposits at different institutions that were in transit to the account before the account was frozen, hurting my relationship ( and causing another freeze at a different bank, where I have to explain why the ACH was returned ). 

Paradoxically, the reason for the freeze and intrusive investigation is a result of LendingClub/XXXX " taking my security and privacy seriously. '' I can't reach them via phone as they're always " helping other customers '', and their email support is unresponsive, despite the 24 hour SLA. I reached out by email at XX/XX/XXXX XXXX XXXX XXXX, and I haven't heard back yet. I'm hoping that by filing this complaint, LendingClub/XXXX can institute an actual customer support channel, and in addition, will close my account+return my funds promptly to the address on file.
Consumer complaint received 2017-08-25
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. (KY)

On XXXX XXXX, 2017 I received a reply from Equifax regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. Equifax says the information is verified as accurate. 

However, they have continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is currently being investigated or as consumer disputes. Furthermore, Equifax is not supposed to score the contested information against me during the verification process. Equifax has violated the Fair Credit Reporting Act on numerous occasions. 

Additionally, Equifax has NEVER verified the public records information DIRECTLY with the Bankruptcy XXXX XXXX XXXX XXXX XXXX. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the XXXX Bankruptcy XXXX or XXXX XXXX XXXX. I have also attached a letter from the XXXX Bankruptcy Clerk that states that credit agencies get their information from a 3rd party service such as PACER or other agencies like XXXX. 
This is not reliable, and is prone to errors. 

But Equifax has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to Equifax. 

Lastly, Equifax has also continued to show my full Social Security number directly on the credit report ... instead of masking all or the majority of my Social Security number. 

I am demanding that Equifax be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the XXXX Bankruptcy XXXX or XXXX XXXX XXXX ).
Consumer complaint received 2018-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (AZ)

I had a few late pays in XX/XX/XXXX and incurred late fees, but brought my loan current in XX/XX/XXXX. I have paid on time every month since XX/XX/XXXX, but XXXX XXXX posted my monthly payment incorrectly back in XX/XX/XXXX and still haven't corrected the problem even though I have spoken with them at least six or seven times and was assured that the money would be reallocated and posted correctly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. They harass me at least five times a day - saying it is important that I return the call. Every time I call or answer their call, they assure me that the problem will be corrected. It hasn't been and I'm tired of wasting my time talking to them. When I answer their call, they state " do you realize you are XX days late on your payment? '' I ask them to look at the notes from the previous caller and then they apologize and state they will put another request in to reallocate my funds to my payment. I ask them to make sure to remove any late charges that they have been charging me, and the caller states " once the funds are reallocated, they can remove the late charges. '' Neither has been corrected. I want this to be resolved and the calls to stop, PLEASE!
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUnion consistently ( for TEN years! ) has refused to provide me my free annual credit report online. Their reason is always either technical difficulty or could not verify my identity. They then tell me I have to pay for my credit report for a monthly fee of {$24.00}. I use the exact same form with the exact same information for XXXX and XXXX and have never had a problem accessing my free annual credit report online. This is a problem specific to TransUnion. I also notice that when I put my address information in the form, when it gets to the TransUnion site, it puts my previous address in the current address field, which could potentially cause a verification issue, but that aside, even when I have lived at the same address for more than 2 years and don't need to provide a previous address, I still get error messages of a technical difficulty or can not verify my identity. Again, the exact same form from the annual credit report official website with the exact same information does not create any problems in access my credit reports for XXXX nor XXXX. This is TransUnion only and I believe they are just trying to get people to subscribe to their service and pay the monthly fee when people are unable or unwilling to wait up to 30 days to get their report, rather than get it instantly like XXXX and XXXX.
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (CA)

Hello, My account is frozen and i have sent gemini trust company support 3 messages and no answer. 
Im losing alot of money and i cant do anything. 

What can i do? 
How can i unfreeze my account? 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. 

In Accordance with the Fair Credit Reporting Act Convergent this account below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account Name : XXXX XXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. Thanks
Consumer complaint received 2022-01-27
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. (FL)

I'm writing this complaint and there is no third party involved. 
This company Equifax is very deceptive and unfair, they keep ignoring the situation based on the istrunction I'm giving them. After all the due diligence I have done, I found out that pursuant 15 U.S. Code 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ), In accordance with the written instructions of the consumer to whom it relates. I have sent them plenty of letters giving them instructions what to furnish in my consumer report and all they do is ignore me and send me the same document asking for Proof of Identity. I sent them my SSC, my Florida ID, and a bill with my current address and they keep coming out with the same excuse that they need to verify my identity, ( document they sent attached ) They already sent it to me 3 times. later on I found out that Equifax like to use that technique to ignore the letter consumers send. 
This is my privacy and I take very serious and if Equifax wants to keep doing business with me, they need to understand that they need to do what I say if it has to do with my consumer report. 
Based on Congress Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. They have not been assigned by congress. 
Equifax broke the law and they keep doing thing with my consumer report without my consent. No consent is Identity Theft. 
Recently I was reading the article from the cfpb on XX/XX/2022 ( CFPB RELEASES REPORT DETAILING CONSUMER COMPLAINT RESPONSE DEFICIENCIES OF THE BIG XXXX CREDIT BUREAUS. AND THEY TALKE ABOUT HOW eQUIFAX ROUTINELY FAILED TO RESPON TO CONSUMERS WITH ERRORS AND REQUEST. ( Article attached ) They also talk about how Equifax often promised to open investigations and sent the results to the consumers later dates, but it would fail to provide the CFPB with the outcomes of the investigations. 
I don't want the same thing happen to me. I need Equifax to take responsibility and stop sending me the same document avoiding everything IM asking for...

Im attaching all the copies that I have sent to equifax, attached with my social security card, ID and proof of Address.. Lets see what will be the excuse this time.
Consumer complaint received 2017-08-25
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. (FL)

On XXXX XXXX, XXXX, I requested Equifax to dispute the following unauthorized Inquiries on my credit report and was told to contact them directly! But it 's the credit bureau job to investigate my claim and they refused. 

The following companies made unauthorized Inquiries on my credit flies. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX 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 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aqua Finance, Inc. (CA)

Aqua Finance marked my account as 30 days late in XX/XX/2023. From XXXX XXXX XXXX Aqua Finance was a Line of credit which I signed a contract as and I was make more than the minimum payment often times covering more than one months payment. Then in XXXX of XXXX  they closed that account and opened a new account as a revolving credit without my approval. I was still making more than the minimum payment. I have documentation that shows on XX/XX/2023 I paid {$150.00} which was XXXX months payment and XXXX payment. Then on XX/XX/2023 I paid {$300.00} which was XXXX monthly payment and XXXX monthly payment. So as you can see I was never late. When I spoke to the costumer service rep on the phone today, XX/XX/2023, the rep did not listen to what I was saying and talked over me. When I asked to speak to a manager he put me on hold for 20 minutes and came back and told me that no manager was available to talk to me. He did not listen to what I was saying as I tried to explain this. 
If I was late I should have received emails with my statement saying late since I am paperless, I never received anything stating that. I have phone records that also prove they never called me either. I have always paid and more than the minimum.