davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

This occurred at the Huntington Bank/XXXX, Ohio.On XX/XX/2016 I applied for a personal loan and they correctly requested a copy of my credit report on the same day from XXXX ; which is all fine.After clearing up mistakes made by the underwriting dept. at HB the loan for XXXX was finally approved. On XX/XX/2016 I received a letter from HB underwriting concerning an increase in my HB credit card limit and this is where their electronic filing system failed their underwriting department.He mentioned a possibility of needing to look at my credit report and I assumed they would look at the one HB underwriting requested just 12 days earlier on XX/XX/XXXX.They could not locate the CR requested on XX/XX/XXXX so I am being penalized with XXXX hard hits on my credit report.All banks require any credit requests be processed thru their underwriting departments. HB underwriting 's electronic filing system failed them as they already had my current credit report just 12 days old on record.I have asked HB repeatedly to send a redaction request to XXXX on the XXXX requested unnecessary credit report due to the failure of their electronic filing system to produce the credit report requested on XX/XX/XXXX. 

Why should the consumer be penalized on a request for a XXXX credit report within 12 days of each other? It was HB 's underwriting dept. who failed and still can not find the XXXX credit report requested on XX/XX/XXXX.They deferential respond was their systems are not integrated and much improvement is needed.Credit reports are full of confidential information and should be electronically filed under the applicant 's SS # .HB 's cavalier attitude about the consumer 's credit reports and their confidentiality leaves much to be desired./where is that XXXX credit report? The Banks like this have too much unbridled control over the ordinary citizen ; this is why I have reached out to the CFPB as I am done trying to work with them. 

If you can provide an e address I can send all the written messages back and forth with Huntington Bank as you see fit sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I received both an email and a text alert from XXXX that my credit file had been updated. When I went into my XXXX credit file, I saw that there were XXXX hard inquiries from Capital One : XXXX on XX/XX/24 and XXXX on XX/XX/24. It was suggested that I contact Capital One first, which I did, and they confirmed with me that they could not find any information about a credit card being opened with my personal information. I then received an email from Capital One saying that they could not process the application for a XXXX XXXX XXXX credit card in my name. I then proceeded with calling the dispute line at XXXX to dispute these XXXX inquiries on my credit report. When speaking to them, I was advised to also file an identity theft claim with the XXXX. I was routed from their website to your website to file the claim.
Consumer complaint received 2022-07-21
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. (FL)

I've submitted disputes your way and I didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes, thank you for your time.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (PA)

I believe the issue is with the XXXX system for auto payments, the system forces me to enter XXXX 's at the end of my bank account number that are not in my actual account number. 
The issue began XX/XX/XXXX - monthly payment not made and an NSF fee assessed, I made the payment online {$XXXX} fee assessed XX/XX/XXXX - auto payment refused and when I contacted my back I was told there was no charge that had denied in the amount of my mortgage payment XX/XX/XXXX called XXXX XXXX  inquired about what the bank told me and made the payment over the phone using the same account - no issue with the payment asked for the issue to be looked into XX/XX/XXXX called to follow up told to give it more time - only a supervisor can remove fees XX/XX/XXXX called to follow up, told to give it more time and a note sent to supervisor to call me within XXXX business days and payment made for XXXX over the phone from the same account - no issue with payment XXXX called to follow up, told now to send a written email complaint, should have follow up in 24 hours XXXX - called to follow up again, was told my request for the fees to be removed denied asked to speak with a supervisor, spoke with XXXX, she again sent a written request for the account to be reviewed and the fees removed. Give it at least XXXX business days XX/XX/XXXX - called to follow up once again now I am told I need to wait at least 30 days and that fees typically are not removed for XXXX - explained once again this is not an XXXX  issue, the issue is the XXXX system forces me to add XXXX 's to the end of my bank account number that are really not part of the account number.
Consumer complaint received 2019-07-01
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: SYNCHRONY FINANCIAL (CO)

I have tried multiple times to contact XXXX XXXX XXXX for the late payments that are showing on my credit report. I do not understand their language and nothing seems to get resolved so I want to see if someone can help me to remove the late payments from my credit report for the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I was having health issues and moved states called and had them change my due date from the last days of the month to the beginning of the cycle and it was never changed. 
It was not my fault. Please remove I am trying to purchase a home and this needs to be removed immediately, Thank you
Consumer complaint received 2018-04-29
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: Experian Information Solutions Inc. (PA)

Fruad account account was deleted twice from credit report then keeps reappearing mid XXXX XXXX XXXX XXXX   creditor change name to the back of Missouri and readded account with the same account number that was deleted I attached proof Amount XXXX XX/XX/2015 account was open
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

american express agreed to credit my account for misleading advertising in a previous CFPB complaint, and has not done so within the time stated. 

please follow through on your previous agreement ( attached ) to credit my account {$1200.00}
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (CA)

I wanted to buy a desk from uplift desk. I chose the buy now pay later option with affirm. I returned the desk. The incorrect amount was applied to affirm. They charged 15 % at XXXX  for restocking- outside of their available policys incorrectly. I submitted documents proving that to affirm in my dispute within 30 days. Affirm continued to respond with automated responses, which mean nothing to me. They did not contact the company uplift desk until XX/XX/2022 about their policies of returns. Affirm told me it is too far outside the time frame to accept the dispute even though I provided all the correct documentation to them in my dispute that they requested. No one opened the documents in my original dispute at affirm. Affirm is reporting negatively to my credit and incorrectly. I am not responsible for payment of an item I returned to the company in whole and in compliance with their returns the entire amount should have been returned and it was not.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

This is to inform the reporting agency that I discovered some unauthorized inquiries on my credit report which violated my consumer right In Accordance with the FCRA section 611, I have tried to resolve this situation but nothing as happened please kindly remove the following inquiries from me report because i do not authorize them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXk XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (GA)

I and XXXX travel companions made a reservation at the XXXX XXXX in XXXX. I charged this reservation on my Chse credit card. 

On arrival, we discovered that there was no hot water available ( see attached affadavit ) so we went to a different fhotel ( receipt attached from XXXX XXXX XXXX ), I disputed the charge at the XXXX hotel since no hot water was available but Chase has sided with the XXXX hotel. 

I feel this is not right since we did not stay there and we had good reason ( lack of hot water ) for going elsewhere. 

Thank you for your kind attention, XXXX XXXX
Consumer complaint received 2018-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (FL)

Creditor has stated that I owe XXXX then XXXX then XXXX. They change the amount each month. They constantly report it differently on my credit report. This debt was paid by the insurance company back in 2012. XXXX XXXX keeps reporting different creditors under my name with the amount of XXXX then they will decrease it to XXXX. Then re report it with a different date. Then they change it again to XXXX. This goes on constantly.
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Revolut Technologies Inc. (NY)

From illegally restricting my account which caused havoc and violated UCC 4-202, to unfortunately, a man I was in a relationship with stole my phone & began sending himself money using my account on Revolut. After learning of this abuse which amounted to over {$800.00} in unauthorised charges, I contacted the XXXX and Revolut who in turn closed my account and prevented me from removing the remaining funds I had in the account.
Consumer complaint received 2022-04-28
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX, XXXX 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.

15 U.S.C 1666B : States : 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 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: RELIANCE FIRST CAPITAL LLC (TN)

To whom it may concern, I do NOT accept the fact that I am continually given the run around regarding my credit report! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized XXXX XXXX XXXXXXXX to run my credit! XXXXXXXX XXXX XXXX has distributed my report with out my knowledge & consent on these dates! XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission! I do not accept the previous response sent by the company on XX/XX/XXXX! I want these inquiries off!
Consumer complaint received 2018-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

A debt validation letter was sent to Ability recovery services in mid XX/XX/2018, I in return received a letter from them dated XX/XX/2018 stating that the debt but purchased by XXXX XXXX from original creditor said to be emp of XXXX. Letter received is also a violation of my HIPPAA rights notating hospital visit and procedures done but none proof from original credit. I have never received a letter from XXXX XXXX XXXX stating that they are collecting for said debt in the total of XXXX. Debt is till being reported on my XXXX and XXXX reports unlawfully.
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc. (TX)

On XX/XX/year>, a letter was received from XXXXXXXX XXXX indicating that CARMAX Auto XXXX XXXX XXXX, located at XXXX XXXX XXXX. XXXX XXXX, TX, was contemplating extending to the recipient a credit sale or lease of an automobile or another product. The letter requested that XXXX XXXX  accept the obligation. The recipient, having no prior knowledge of the letter 's contents, contacted XXXXXXXX XXXX  on XX/XX/year>, inquiring about its origin. It was established that the recipient had not applied for anything with CARMAX XXXX XXXX, nor had they visited the local store. Following the inquiry, XXXXXXXX XXXX sent a letter dated XX/XX/year>, responding to the recipient 's request for the removal of an XXXX XXXX credit inquiry from their credit report. The bank suggested that the recipient contact the Finance Manager at XXXX XXXX XXXX XXXX TX at ( XXXX ) XXXX, as well as all Credit Reporting Agencies , to report potential 'fraud ' or 'identity theft '. Additionally, the recipient reported the incident to local law enforcement and submitted an Identity Theft Report to the Federal Trade Commission. Two weeks ago, the recipient visited CARMAX but has not received any updates or further information. Despite their attempts to contact the company, they have been ignored.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX, XXXX 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.

15 U.S.C 1666B : States : 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 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

To whom it may concern, I do NOT accept the fact that I am continually given the run around regarding my credit report! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized Equifax Mortgage Services to run my credit! Equifax mortgage services has distributed my report with out my knowledge & consent on these dates! XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission! I do not accept the previous response sent by the company on XX/XX/XXXX! I want these inquiries off!
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2022, while reviewing my consumer report I noticed inaccurate personal information being reported. I contacted Experian via certified mail, including documents to verify my identity. To date, I've received negative results from Experian in reference to this matter. 

Certified mail # XXXX
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (NC)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim to identity theft, as I dig d not approve any information to be used in my name. I am requesting that the fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Theft Affidavit in regard to this incident. I have listed the additional fraudulent accounts below : XXXX XXXX XXXX : Account # : XXXX XX/XX/XXXX, Amount : {$170.00} XXXX XXXX XXXX : Account # : XXXX XX/XX/XXXX, Amount : {$2700.00}
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I have disputed a bankruptcy on my Experian report and have ask that Experian provide me with written document proof of how this was verified/certified. Experian hasn't provided me the information as requested but continue to report on my profile. I would like the document proof that I requested or delete it from my profile.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

This complaint concerns Citizens Bank of Massachusetts Account Name : XXXX XXXX, XXXX. 

On XX/XX/XXXX, XXXX wrote check # XXXX in the amount of {$10000.00} to XXXX XXXX XXXX XXXX, a company we do business with. On XXXX XX/XX/XXXX, we were notified by XXXX XXXX that they had not received payment. We confirmed that the payment had cleared our bank and funds withdrawn from our account on XX/XX/XXXX. On further investigation, we confirmed that the check had been paid, to a company named XXXX XXXX XXXX XXXX We have no business with XXXX  XXXX XXXX do not know who they are, or why they obtained our check. 

I immediately notified Citizens Bank ( at XXXX EST on XX/XX/XXXX ) by telephone of a potential fraudulent activity and/or an error and asked that they return the funds to our account immediately. I was told by phone that they would investigate and reverse the charge if confirmed. I have a copy of the canceled check that shows the depositor name is not the payee name ; it is clear that this is a Citizens Bank error, but they refuse to acknowledge it. 

On XX/XX/XXXX having heard nothing about the issue, we visited our local branch manager and were advised that the claim was still being investigated. I was promised a call back within XXXX hours by the branch manager. On XX/XX/XXXX, I called him and was told the claim was still being investigated. 

Approximately, one week later, I called the manager and demanded the funds be returned to our account. I was given contact information for a more senior regional manager, XXXX XXXX ( tel XXXX ), Citizens ' " XXXX XXXX XXXX ''. 
I immediately called XXXX XXXX and was told the matter was still being investigated, but that I would hear back from him in XXXX hours. I have heard nothing back. I left him one voice mail that he didn't return. I have since tried to call him two other times, but his voice mail box is now full and I have no where else to go. I've left two messages for the local branch manager, and he has not returned either of them. I think they are just ignoring the issue and hoping I will go away. 

At this point, as far as I'm concerned, Citizens Bank as misappropriated our money. It has been more than 3 months since I first notified them, and I've got nothing to show for it. I have attached a copy of the paid check and a copy of our initial claim notifying Citizens of the issue. 

Any help you can provide would be greatly appreciated!
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 — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.