davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (CA)

Dear sir or madam : Huntington National Bank sent a {$1000.00} check from my checking account to the wrong bank and will not return my funds. I wrote a check numbered XXXX to my credit card company XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX for {$1500.00}. The credit card company accidently requested payment for only {$540.00}. I contacted the customer service department of Huntington Bank and asked them to correct the error and pay the {$1000.00} to XXXX  ( case number XXXX XX/XX/XXXX ). Nothing happened for weeks so I went to the Huntington branch in XXXX, OH, XXXX and asked them to resolve this issue. An adjustment debit for {$1000.00} was made on XXXX, XXXX, XXXX ( reference number XXXX XX/XX/XXXX ). 

The problem is that XXXX  never received the {$1000.00}. I contacted the customer service department of Huntington Bank and was told a check for {$1000.00} was sent to XXXX XXXX. I asked why the check was sent to XXXX XXXX  and not XXXX  and they said it is a subsidiary bank that handles XXXX  accounts. I contacted the customer service department of XXXX and was told XXXX XXXX  does not handle their accounts. I wrote a letter to Huntington Bank on XX/XX/XXXX, requesting that they return my funds as XXXX never received the check. 

I was contacted by XXXX XXXX of Huntington Bank and was told that a physical check for {$1000.00} was sent to XXXX XXXX  on XX/XX/XXXX. I told her XXXX has never received the {$1000.00} and that I wanted her to stop payment on the check and return my funds. She said there was nothing her bank can do and that I personally would have to track down the lost check and resolve the problem myself by contacting either XXXX XXXX  or XXXX  to have them locate the check using the trace id ( XXXX XXXX ). 

I believe Huntington Bank made a mistake and should have sent the {$1000.00} directly to XXXX  as it was the payee on the original check. I also believe it is XXXX responsibility to track down the check and make sure XXXX receives the {$1000.00} or return my funds. I do not believe a bank can not stop payment on a check they wrote if they know the check was lost and never received by XXXX. 

Right now, I am out {$1000.00} and have spent hours talking to customer service representatives who do not seem to be able to resolve this issue. I am formally requesting that your agency contact Huntington Bank and have them return my funds to my checking account..
Consumer complaint received 2022-03-09
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: BCI FINANCIAL GROUP, INC. (FL)

In XX/XX/2021 i called City National Bank of Florida, telling them that i did not recognize a charge for XXXX $ on my Bank Statement. At that moment, i spent 40 minutes with a person on the line with him asking me a million questions, which i gladly answered. When all this was over, he confirmed it was a fraud as the charge showed in Oregon and i reside in XXXX, Florida. He then confirmed that i would be issued a new card and that i would be credited the XXXX $ to my account. 

3 months later the card never arrived and nothing was credited to my account. I then called again, went through the same procedure to which they then said the same thing. The funds were supposed to be credited to my account and a new card would be sent my way. To this day, none of this has happened. It is embarrassing and infuriating to see how these banks dismiss peoples needs. I have my business accounts with them and keep extremely high average ledger balances and not even that gives me the leverage for them to solve a ridiculous dispute of this nature. 

Now, they've sent me a letter saying that due to the nature of my dispute, the transaction needs to be disputed directly with the merchant. I DID NOT AUTHORIZE THE CHARGE!!!! 

Please help!
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I was looking over my account and I peeped that there is some strange names, addresses and accounts that I have no ties to. I believe somehow my information was shared or mixed up with someone else. I need my report corrected at once I thought I had a right to privacy but clearly not if your company thinks its ok to post this misleading stuff and pin it on me unknowingly. I have loss sleep twice since these accounts were brought to my attention. I HAVE BEEN VICTIM OF IDENITY THEFT and also my information was breached in the Equifax 2007 and XXXX XXXX data breach. I did my research on the law, per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and these items must be blocked and removed from my credit profile. I really need these items gone from my report due to them being false and inccruate. This is affecting my life and preventing me from getting approved for apartments so im homeless.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My transunion credit score was XXXX on XX/XX/18. Three days later it dropped to XXXX and it did not pay anything late, in fact I had just paid 30 % payments on all my credit cards, My score should have gone u NOT down. 

My XXXX  score was XXXX. XX/XX/18 and dropped to XXXX on XXXX XXXX My. XXXX had dropped XXXX to XXXX on XX/XX/18
Consumer complaint received 2022-03-09
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. (CA)

I have a credit card with XXXX federal with a credit limit of XXXX my payment due date is the XXXX of every month. I made payment with representative on the XXXX of XX/XX/2022, I also reported my card lost on on XX/XX/2022 and they issued a new card that same day as I made my payment. XXXX XXXX canceled my payment of XXXX without my knowledge and reported XXXX XXXX late on my consumer report. I spoke to a representative and he admitted it was there fault but was nothing they couldn't do about it on there end. they suggested I dispute the XXXX 30 days late with the credit reporting agencies myself. I would like the false XXXX XXXX late removed from my credit report immediately.
Consumer complaint received 2022-03-09
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. (OH)

XX/XX/2022, submitted a letter to the XXXX XXXX XXXX XXXX  XXXX, regarding an entry appearing on my Transunion Credit ReportingAccount. 

XX/XX/2022, received a letter from the XXXX XXXX XXXX XXXX  XXXX, confirming that the XXXX. Bankruptcy court does not report case information to the credit reporting agnecies. 

XX/XX/2022, submitted a follow-up letter to the Transunion Credit Reporting agency in which Transunion has reported as being verified with the bankruptcy Courts, which prompted me to contact the Bankruptcy Court .
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts show closed on my credit report. 
XXXX Closed XX/XX/XXXX Account was never used and I never opened it. XXXX Department Store sent to collections right away before I could pay the balance of {$300.00} and shows closed on XX/XX/XXXX, XXXX XXXX XXXX   Closed XXXX XXXX  XXXX XXXX, XXXX. I believe I am a victim of identity theft I have had numerous collection companies calling my work and colleagues threatening to take me to jail if I don't pay. I have disputed these accounts. I also had an account with XXXX   which no longer exist and I took a second loan out to pay the date with XXXX and paid them off but now I have another collection company who said they bought the bad debt which was paid off 10 years ago but XXXX was original creditor which I did not take a loan with them and a new collection company is XXXX XXXX XXXX opened collection on my account XXXX XXXX, XXXX saying I owe them XXXX which I am disputing. XXXX XXXX says I owe them {$730.00} for not returning cable equipment which was returned and they sent account XXXX XXXX and I am disputing but constantly get the run around. XXXX XXXX I had my second with them my first was with XXXX XXXX. They gave me the run around when I was trying to save my home XXXX XXXX XXXX XXXX XXXX, Ca XXXX. They never gave me options to save my home and I went with a lawfirm that I believe was in cahoots with XXXX. My home was foreclosed XX/XX/XXXX. So XXXX   and no where to go with my XXXX children. I found a realtor to help my find a home to rent. XXXX wrote a letter to stating the second was paid in full and that foreclosure would not be on my account which I thought was weird at the time. XXXX paid off my first with XXXX and continued to give me the run around and said the only way I could save my home would be to pay the loan XXXX which was impossible. I was past due {$51000.00}. I asked if I could reschedule payment of {$1500.00} and they said no. I was try to get back on track.Then I see that CFPB filed a suit against them for the exact same thing that I went through in XXXX, XXXX, XXXX. I was never contacted about the lawsuit. XXXX XXXX @ XXXX XXXX XXXX XXXX  Ticket # XXXX wrote a letter stating mortgage was current and paid in full and would not put foreclosure on credit and it is on it. I am trying to buy a home and now it appears. I lost my home and 17 years of equity because they were giving me options and paperwork and then stating certain things had to be done. CFPB File No. XXXX and identified the that they were in violation. I never received any payment from XXXX only a letter stating that my loan was paid in full. I am hoping CFPB can help me restore my credit so I can buy a home and move forward.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My name is XXXX XXXX and I am submitting this complaint myself. 

After reviewing my consumer report, I noticed many inaccuracies in personal identifiable information. No permissible purpose was given directly to ANY consumer reporting agency on ANY occasion to report ANY information about me as it relates to ANY names, numbers, addresses, etc listed on my consumer reports and file. 

Please be advised that without permissible purpose, the consumer agencies have committed a violation against my consumer rights and this type of behavior is very inappropriate.
Consumer complaint received 2023-03-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

Navient has been calling me multiple times a day and also attempting to contact third parties about a debt. They've been emailing and calling me at work. They've been calling my children 's cell phones, they've been calling my mother. 

On XX/XX/2023 I sent a certified letter requesting that they only contact me in writing at my mailing address. I also requested a copy of the signed promissory note on the loan. A representative from Navient received my written request on XX/XX/2023. Since that date, they have continued to call various phone numbers associated with my name and sent various emails to email addresses associated with my name. This is in clear violation of The Fair Debt Collection Practices Act. 

I do not acknowledge this debt and dispute it.
Consumer complaint received 2018-08-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC. (CA)

We were in escrow for both the condo we were selling and the house we were purchasing. The closing dates were in XXXX and within a week of each other. The monies from the condo sale were to be used as an substantial down payment on the pre-qualified loan for the house mortgage. A week before the condos escrow closing date our buyer backed out due to family issues. 
XXXX XXXX from Guarenteed rate assured us we could get a different loan then the pre-qualified one. This would require just the savings we had around XXXX $ as an down payment and not the condo sale monies. The mortgage monthly payment dues however were over twice as much as the pre-qualified one and not sustainable for our familys income. XXXX promised before even the first mortgage payment due in XXXX we could recast the loan paying down the principal after the sale of our condo. 
We sold our condo in XXXX and XXXX was out of office for the XXXX XXXX XXXX XXXX. Once he was reachable again and many phone messages left for him, we received a letter from Guarenteed rate on XX/XX/XXXX stating once we wire XXXX $ to them they would recast the loan for a monthly payment of XXXX $ We wired the monies within a week. Once Guarenteed rate received the money XXXX XXXX called to say it was impossible to recast the loan as promised and stated in the letter we received on XX/XX/XXXX. We now can not afford our mortgage payment. XXXX also promised to return our XXXX $ so we could at least afford to pay the inflated mortgage out of that lump sum but in doing that to not go bankrupt we still lose XXXX $ until able to refinance as proposed in XXXX. 
That conversation and assurance that our monies would be directly wired back to us was at least two weeks ago. And then once again suppose to be returned by Friday XX/XX/XXXX. Guarenteed rate has not returned our money and now XXXX is on vacation according to his voicemail where I can not leave messages until Monday XX/XX/XXXX. 

We want our loan recasted with the promised mortgage payment. This is unacceptable that they refuse service promised and still keep our large sum of money.
Consumer complaint received 2022-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (GA)

Account Number XXXX Condition Paid Responsibility Individual Current Balance XXXX Original Balance XXXX Limit 0 Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Charge account Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Account closed by consumer Creditor Information XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone # : XXXX
Consumer complaint received 2018-08-13
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: Diversified Consultants, Inc. (UT)

Diversified Consultants is reporting an account for XXXX XXXX XXXX on my credit that is not mine. I've filed police reports and the fraud dept determined that it was someone in North Caroline who opened the account. I live in UTAH and have always lived in Utah. This is not mine & I have never had a collection on my credit nor have I ever had XXXX XXXX XXXX.
Consumer complaint received 2023-03-16
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: AMERICAN EXPRESS COMPANY (TX)

I reported the theft of my identity on XXXX in which my social security card, previous State ID, birth certificate, and my passport was stolen from my home. This incident was reported to the XXXX XXXX XXXX office to Deputy XXXX XXXX ID # XXXX with the case # XXXX regarding the theft of my identity. I also reported the use of my stolen identity to the XXXX XXXX on XXXX after reviewing my credit files and seeing fraud accounts appearing in my name which did not belong to me.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (PA)

In XX/XX/XXXX I started to fix my credit. I noticed sometime in XX/XX/XXXX a derogatory remark was added to my credit report ; when I investigated who they are, it turns out it was for a account that was already paid 3 months prior to it being reported. I began the dispute process and to this day they have refused to remove it off my credit report. 

I began disputing this account with XXXX XXXX every month since XX/XX/XXXX but I have not received verification of any kind or acknowledgement of receipt of any dispute letters I have sent to them. They have completely ignored all of my requests. 

The originator is XXXX XXXX who services credit for XXXX XXXX. The account then was sold to XXXX and I made XXXX payments from XX/XX/XXXX until XX/XX/XXXX in the amount of {$77.00} with the last payment of {$77.00}, totaling {$930.00}.
Consumer complaint received 2022-07-25
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. (IN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-09
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. (MI)

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX I XXXX of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2018-08-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

My husband and I bought our house XX/XX/XXXX for XXXX and two years later we did a refi XXXX for XXXX then GMAC went out of business in our area and then we were sent a letter that Ocwen Loan Servicing would be handling our loan and we had no Idea who the investor was on the loan. Today we are trying to sell the home and we owe more for the house now than we financed it for. We did do a modification on the loan but the escrow shortage was XXXX now its XXXX and how that happened we have no clue. Ocwen only notifies us of potential foreclosure and the added about XXXX to our home loan and told us that this is part of the modification and work out for our home. They refuse to research it for mistakes, which there are plenty. They do not have payments that were made when GMAC had our home loan nor do they have the records and will not try to fix the problem.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

On Thursday XX/XX/XXXX I paid my balance of over {$8500.00} completely off using a balance transfer deal with a credit union-the credit union sent a cashiers check issued by them via mail to usaa credit card payment XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX phone : ( XXXX ) XXXX. It took over a week for them to post the payment, ( on or around XXXX XXXX ) and they're still showing my available balance deducting the {$8500.00} even though they have had the check two weeks! These jerks are playing around with my available credit with them even though this had been paid off!! I called their customer service today and was given some limp excuse as to they hold this for some lame reason!
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

I contacted conserve for several days and was able to get ahold of someone. I contacted them into an account they are reporting on my credit report in the amount of {$760.00}. I was trying to get some information on this debt and associate named XXXX XXXX at ext XXXX stated the account is closed with their office and in order to get account removed to reach out to the credit agency. I informed XXXX XXXX that the XXXX XXXX is reporting inaccurate information that your office has supplied. XXXX XXXX did not have any other resolution or validation of debt but kept stating account is closed with their office and to contact someone else. I would like to get this information removed off my credit report.
Consumer complaint received 2018-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Im extremely upset with your service, customer services overall how you handle customers from your 360 bank service. When all i want is my money back, you close my account during sign up after i deposit money told me to wait until the hold becasuse how much the check deposit was to pull out funds but the money was a in my account 4days before i have proof from the bank that issue it. Now funds are clear and you wont send to me via overnight check, XXXX ( which i sign up for or wire ) im so fed up with this process im will pay the wire fee to get from your company. Was lied by your security team to drive 4hrs from my city to cafe for withdraws funds and was told capital issue money at cafe. So now im in situation to sue you guys to get my money back and the damages you have cause me. missing my rent, and car note because you wont sent me my own money for close my account!!
Consumer complaint received 2018-08-13
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: Early Warning Services, LLC (NV)

I WAS EVICTED FROM XXXX XXXX XXXX THEY REPORTED INACCURATE INFORMATION TO XXXX,   XXXX AND THE DEPARTMENT OF LABOR, THE DEPARTMENT OF JUSTICE INCLUDING IDENTITITY THEFT WHILE I WAS IN THE HOSPITAL MENTALLY INCAPACITATED XX/XX/2015