davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Opened a home equity loan XXXX personal loan ) for a few months to fund a construction project. Post completion of the project, I refinanced my home and merged the loan into a new mortgage, effectively closing my loan with Huntington Bank ( personal loan / home equity ). I have received two notifications from Huntington saying you have an overpayment on the account, but no actual refund. 

I called them today and the phone rep said she would request the return of the funds to me and it would take several days. 

I am not sure why I would have to call to ask for my money back. They should have held onto their notice of overpayments and just sent me the refund.
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is showing an account that I do not owe on my credit. I have disputes several times and the company is stating that it is accurate. Experian refuses to share with me documentation on how this debt was validated and I have requested this from them several times. I am looking for this debt to be removed as I do own or owe this debt. The contact information that is showing for this company is XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A fellow Co worker, Used my information to buy a car. I am a nurse and a Patient with the Company that I work for so that Nurse " XXXX XXXX '' used my personal information with out my knowledge and There are several creditors that are calling one particular number XXXX Claiming that I owe them funds or if I know where to reach XXXX. I have advised XXXX that I did not authorize for my information to be used, yet they cont. to call. XXXX would be able to access all of my information through a company application that stores all patients demographics.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I noticed the XXXX XXXX XXXX was reporting to the credit bureaus that I owed them {$420.00} for account # XXXX ... I sent letters to them XX/XX/XXXX, certified mail ( tracking # XXXX ) on XX/XX/XXXX and XX/XX/XXXX. In these letters I asked them to validate this debt. With all documents pertaining to this account. I also requested any receipts or any documentation bearing my signature. They have yet to respond. They are continuing to violate federal law by knowling reporting inaccurate information about me.
Consumer complaint received 2018-08-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

It's been 4 years dealing with a collection company called XXXX They have been inserting unverifiable accounts in my credit report I have disputed numerous times and accounts are deleted for months then reinserted again without notice nor verification/validation on there behalf as proof of owed debt All accounts are reporting in equifax, XXXX, and XXXX. 

Attached proof of removals and disputes
Consumer complaint received 2018-08-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It's been 4 years dealing with a collection company called XXXX They have been inserting unverifiable accounts in my credit report I have disputed numerous times and accounts are deleted for months then reinserted again without notice nor verification/validation on there behalf as proof of owed debt All accounts are reporting in XXXX, transunion, and XXXX. 

Attached proof of removals and disputes
Consumer complaint received 2018-08-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2018 I traveled to XXXX. I remained in XXXX until XX/XX/2018. My absence from the US is confirmed by flight reservations, boarding pass, entry/exit stamps into XXXX and an internet voucher for my return flight ( see Attachments A and B ). 
On XX/XX/XXXX, my personal savings account and business savings accounts were hacked into by XXXX XXXX, who proceeded to change the notification email and phone contact number. XXXX XXXX elected a specific time to hack into the bank account, knowing that I would be traveling across XXXX by train and that I would not have internet access. XXXX XXXX was specifically NOT authorized to access the bank accounts from which she illegally removed a total of {$23000.00} by transferring these sums into an a checking account that she could access ( see Attachment C ). 
On XX/XX/XXXX, when I became aware of the fraud I called Wells Fargo from XXXX and was told that a cashiers check had been used to illegally withdraw the funds and that they would not be able to stop cashing of the check. 
On my return to the US on XX/XX/XXXX, I started a fraud complaint. On XX/XX/2018 Wells Fargo responded that the transactions were made by me or by someone who had my authorization. ( See Attachment D ). I requested the evidence used to come to this conclusion. On XX/XX/2018 I received the response, which was a print out of the log ins to the account ( see Attachment E ). 
This print out has a number of red flags. There are account accesses from XXXX, TX, XXXX, GA, and from XXXX XXXX, CA that are clearly abnormal, given that I was out of the country during that time period. The strange Phone Transfer access on XXXX XX/XX/2018 shows data formatted differently and looks like it was hand-edited, calling that data and adjacent data provided into question. 
The account accesses on and after XXXX ( when the account credentials were changed ) show a consistency of access from only four Florida locations. This clearly supports the assertion that some of the data accesses from XXXX to at least XXXX are abnormal and consistent with unauthorized account access. 
The Wells Fargo decision is flawed. The withdrawal was done in Florida. I could not have made the withdrawal transaction as I was in XXXX. I did not authorize anyone to withdraw those sums from my bank account. 
Wells Fargo clearly made a series of egregious mistakes but refuses to address these problems. Can you help me pursue collection of the funds that were illegally removed from my account?
Consumer complaint received 2018-06-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CLX Systems/ Westwood Management (IN)

I received threatening phone calls from Westwood XXXX. They also had a 3rd party person call and he stated he was a Sgt. With the Indiana State Police to my father and mother. He said he had a warrant for my arrest and needed to find me. He also left 3 intimidating and threatening phone calls on my voicemail. He threatened to show up at my place to " deal '' with me. My parents are old and he just about gave my mom a medical issue because he was so threatening to her. She was scared. 

I did pay all but {$200.00} of what was owed. My credit card was compromised and I had to cancel it. Immediately I started receiving threatening calls. Once again that they would show up at my house or my place of employment. I was not even given a chance to speak with them to explain the situation before the calls started.
Consumer complaint received 2016-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX ( XXXX ) first missed payment XX/XX/XXXX. Target gets judgement XX/XX/XXXX. 7 years credit reporting should end XX/XX/XXXX. Trans Union says XXXX. Does a creditor get XXXX chances to report bad debt 7 years to the credit agencies? First with the first missed payment and second for a judgement for same debt., in my case 1 year later. Loophole : Creditor can report debt when first delinquent then wait till the last month of the 7 year period, obtain a judgement for same debt then get another 7 years of reporting for a total of 14 years of reporting to credit report agencies for XXXX debt. FDCA needs to be amended to reflect that the 7 years clock starts the first month of default, or no payment on the debt and that any subsequent judgement obtained by the creditor does not start a second 7 years debt reporting but fall under the 7 years that started the first month of default or non payment of the debt. The law needs to reflect that a judgement is just a part of the debt collection process and does not make an already reported bad debt as a new separate debt. By changing the law, creditors will have to obtain a judgement in a timely manner and close the loophole that allows them to wait as a strategy to report the debt for longer then 7 years. It will also prevent the creditor from having XXXX debt reporting clocks. The way the law is now creditor can report debt twice, the debt itself, and then the judgement giving XXXX, 7 years debt reporting clocks as if they were XXXX separate debts.
Consumer complaint received 2022-02-23
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. (TX)

I had an issue with linking my bank account for automatic withdrawals. Their system would not allow me to link my new account. I tried to send them emails because that is what they prefer and I did not get any responses. I had to ask my former bank to allow me to have access to the old account and re-link it and then create a new account with XXXX to link the account. However due to having to go through all of that AND not hearing back from them, my payment was late AND I was reported delinquent. 
XXXX has failed to respond to my emails and when I call their number you literally can not talk to anyone because its just a recorded message. 
The only email response I get is the automatic email after I send them an email and the one advising to send detail information
Consumer complaint received 2021-12-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This complaint was previously filed under CFPB case XXXX, dated XX/XX/XXXX, against LVNV Funding LLC. The case was closed by LVNV claiming the following : " Company 's Response was : We are unable to locate an account under the name of XXXX XXXX XXXX with the information provided. Please provide additional information, such as the account number ( s ), to help us locate the account ( s ) and address XXXX XXXX XXXX concerns. 

The address was previously provided as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

Today I just received a summons to court ( case no. XXXX ) for the collection of the same debt they claimed they could not find under my name and address. I do not know the account numbers, all they have provided are copies of two XXXX XXXX Bank statements with all but the last four numbers blackout, the last four numbers are XXXX, and XXXX, the address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and the dates are for different month in XXXX. Again, I have resided at my current address since XXXX XXXX XXXX XXXX XXXX XXXX since XXXX, and previous to that time I was a resident of XXXX XXXX, and have never done business with XXXX XXXX with according with LVNV is the original credit holder.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Self Financial Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, i usually pay my bills when i receive my statements in the mail, i never received a statement for this account with my update bill
Consumer complaint received 2018-08-21
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. (TX)

I opened an account for XXXX card in order to finance part of the purchase of a timeshare with XXXX XXXX. The amount on the card was {$3000.00}. I paid the balance on the card prior to XX/XX/XXXX and never requested or received a replacement card, so I assumed the account was closed. 
XXXX XXXX, who was my wife at the time, was not an authorized user of the card, however, in XXXX of XXXX she advised me that she had been using the card for some time. I don't know exactly how long, and she had accumulated a debt of over {$17000.00} on the card. She advised that a collection agency was trying to collect payment for the debt for XXXX Bank XXXX, and they had threatened to garnishee her wages if she did not pay a certain amount by a date certain. She also advised me that she was issued a card in her name on my account by XXXX. 
About a week before XXXX contacted me about this, I had received a letter from XXXX in which they claimed I owed them {$17000.00}. When I learned about the debt from my ex-wife, I wrote to XXXX advising them that I had not authorized XXXX to use my account and I did not assume any responsibility for the debt, and I requested them to remove the debt from my credit report. On XX/XX/XXXX XXXX responded to me that since their records reflected XXXX as an authorized user on the account, they considered the debt to me as accurate and they would not remove it from my credit report. I discovered from the credit bureau that XXXX had written the debt off in XX/XX/XXXX, although they had never mentioned any debt to me prior to XX/XX/XXXX. Since my ex-wife was never authorized by me to use the card, and XXXX never attempted to verify by me that she was authorized to used the card, I think they are attempting to extort money from me to pay a debt I did not incur or authorize, and I would like for them to remove the debt from my credit report and to not harass me about the debt again. My ex-wife did not reveal the debt in the divorce decree, because she intended to hide it from me. Therefore, because of her concealing the debt from me and the fact that I never authorized her to use the card and XXXX never attempted to verify that she was an authorized user and never notified me that charges were being made by XXXX on my account, I consider the debt her sole responsibility
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

On Thursday XX/XX/year> I called Bank of America and advised I was unable to review & redeem my rewards money. She stated she would put a ticket in and it would be fixed in a day or so. 
On Friday XX/XX/year> I called BOA again and was told there was a problem with the app and it would be fixed by the weekend. 
On Monday XX/XX/year> I called BOA again and was told they were unaware of a problem but would put a ticket in. I asked to speak to a supervisor and was disconnected. 
On Thursday XX/XX/year> I went to a branch of BOA in XXXX XXXX & spoke with XXXX XXXX. She stated she would put a ticket in to get it fixed. She stated that was all she could do. 
On Friday XX/XX/year> I sent her an email asking what has been done to fix my inability to redeem my rewards money. On said date she called and stated it was an app issue. I advised her as well as all the other employees of BOA that I knew they were found guilty and fined XXXX XXXX dollars for not paying customers back their rewards money. All employees stated they were not aware of this lawsuit.
Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (CO)

BSI Financial Services took over my existing Conventional Home Loan on XX/XX/2022 from XXXX XXXX XXXX During the transition, my name and information was removed from the existing loan, and was never added to the new BSI Financial Services account. From XX/XX/XXXX to XX/XX/XXXX, I called and talked with multiple BSI Financial Services representatives and " managers '' to add me to the mortgage account, create a separate login to access the information, and to have all documents to that point regarding the account mailed to me. I am a 50 % owner of the mortgaged property and 50 % title holder alone with loan responsibility. BSI has refused to work with me, create an account I can access or mail me any documents, including notifying me when the mortgage was not received and went into late status. I have had to consult lawyers at my own expense to remedy this situation.
Consumer complaint received 2021-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

My mortgage company paid my property taxes. 
I do not escrow for taxes or insurance. 
During COVID, the tax office was nonresponsive in my attempts to remove my homestead exemption to pay the full tax rate and move my homestead to my primary residence. During that time, my mortgage company paid the tax bill and sent a letter stating it was paid. I called the same day I received the letter and explained the cause, paid the taxes to the mortgage company in full over the phone. They were trying to collect ecrows and escrow overages for taxes. The gentleman i spoke to assured me the payment would allow the to " fix '' the account before my next payment was due. 
This did not happen for 3 months. I called a significant number of times and wrote to them through their electronic messaging system. Each time they gave me non-answers, would NOT accept my payment and kept saying it was in review. They would not accept my payment until I received the last response stating they realized they only charged me for the taxes without the penalties. I had no way of knowing what they needed me to pay without calling and they appeared to have overlooked penalties. I paid the penalty amount to them that same day and they took a few weeks to update my account, then they were able to accept my payments - 3 months payments. I'm furious as to how this could happen. 

In the days of COVID, where people could place their mortgage on deferment- I didnt- I was making my payments. I dont understand why they couldnt have place some kind of hold on my account until they fixed it, if they were not willing to accept my payment.

After numerous attempts to get them to address this- my credit report still shows I was late 3 months in a row. 

I need assistance please. I dont feel it's fair to have been forced into this situation.
Consumer complaint received 2021-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recently checked my XXXX credit report and I seen unauthorized inquiries on it from capital one that I didnt authorized. 
I tried to fix the problem with XXXX but they told me I would have to call Capital One. 


Unauthorized inquiries are : Capital One. XX/XX/2019 Capital One. XX/XX/2019
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To make this short and sweet, I purchased an upgraded room called a traditional quadruple which was XXXX $ + more a night for 4 people using the Capital One Travel benefits. Capital One travel sent a booking to the hotel for a Traditional Double for 2 people. I called to have the issue corrected and to be given the right room. Capital one refused to correct the issue, and told me basically they don't care that I had to pay myself to make it right and refused to pay me back the difference. My own bank scammed me out of a room provided me a lessor room and told me to shove it. Please help me.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

Experian is violating my rights per the Fair Credit Reporting Act ( FCRA ). I listed the ways below : 1. First, I have sent multiple letters to Experian disputing the bankruptcy on my credit report requesting them to provide a description of the investigation conducted along with who they reverified this bankruptcy with including the business name, address, and telephone number of the furnisher of the information as you have on page seven ( circled in red ) attached to this email. They have never sent any of the information per my request but on XX/XX/21 they still said that this bankruptcy is accurate. This is a violation per the FCRA. 

2. On my experian report page 8 ( circled in yellow ), Experian said they certified the information ( US BKPT CT PA XXXX ) as accurate as correct with the company that reported it and to review my report for details. On page 9 ( circled in red ), experian said this section includes public record items from courts that Experian may have obtained from a third party vendor XXXX. I requested and reviewed my consumer report from XXXX on XX/XX/21 but there is no bankruptcy on the report therefore Experian need to provide me with the source of this bankruptcy ASAP because they are validating my rights per the FCRA because they are not validating this bankruptcy debt on my credit report. Please do not reinvestigate but confirm the third party company that reported this to you and made you report this debt as accurate on the dispute results report # XXXX for XX/XX/21 on page 8 ( sheet attached ).
Consumer complaint received 2022-02-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.