davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX Huntington National Bank debited my account with them XXXX from a debt they said I owed in XX/XX/XXXX. I just opened the account on XX/XX/XXXX with no knowledge of any past debt owed to Huntington. I feel it is unacceptable, very discourteous to a customer to do this with no warning or no verification the debt belongs to me etc. it cause me a lot of problems & set backs on bills to be paid, I had no money no food and could have been evicted from my residence because of the unforeseen circumstances. Could you please help to recover those funds for me, or assist with a better resolution if my funds can not be recovered, I do not believe this is lawful or is it being targeted at a specific group of people because its just not right. I should have been given some knowledge of the intent to do this and the debt verified before the bank just take my funds please help if possible. They also said they bought first merit bank and their debt so I presume they will take from anyone whom they feel owe debt to either entity. Also when I opened the account I have documents of my current residence on the documents but today XX/XX/XXXX the banks internal department did not have that information in their system it was just updated today How is that possible if I have the documents from XX/XX/XXXX with my current residence on them, what address did they use or were they using as my residence.
Consumer complaint received 2019-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I had no idea how Student Loans work. I took them out though because I needed the money for college, and my college told me it would be the only way I would be able to afford to go. That is on me. I attended the University of XXXX XXXX and graduated in XX/XX/2016. 

Fast forward to when I was graduated. About 5 months after I graduated, I started receiving calls about setting up arrangements to pay back my loans. I was still searching for a permanent job, but was doing odd jobs here and there to make some money. I explained this situation to them and they were very understanding. I offered to make a reduced rate knowing what I could afford. 

This is when things started going south for me. They mentioned a program where I could pay {$0.00} until I got to the point where I could afford the proper amount ( approximately 1 % of the my total loan amount a month ) / I offered to at least begin making small payments but was told that it would do nothing but lower my credit score as they would have to report it as incomplete payments. I was pressured in to the {$0.00} payment plan. 

I told them I would need some time to think about it. They responded with my need to act quickly as this was a short time offer that they do not regularly give out and I could lose it. I was rushed documents to fill out as they told me what to put down. I then entered in to this agreement where I paid {$0.00} for about 18 months until I finally had enough cash flow to provide the full amount a month. 

Having done research and having abetter understanding of how student loans work and money work, I feel that I was taken advantage of and could have at the very least, covered the payments of the interest to prevent an even higher amount being owed now. 

When I did bring it up to them, they just apologized for how I was treated and stated that all they could do is ensure better customer service moving forward.
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (IL)

Since XXXX I have called Macys about my credit protection. I asked several times for the contact information and havent been provided the information. When ever I received a call I asked about the credit protection ( insurance ). Instead I always receive a letter stating that I requested they didnt contact me. I have asked several times for this to be corrected and each time information and no correction was done. On Monday XX/XX/2019 I had to make five calls, speak to a supervisor, and fake manager. Ive been told that I dont have credit protection and about a program that had nothing to do with what I was asking. When I finally got on the phone with XXXX she stated that I did have credit protection and apologized for the lies of the last representatives. She then began to tell me about other customers not having it and that had nothing to do with me. I asked for the number several times and then she told me I dont want it. I asked to speak to a manger but was transferred to an operations support specialist XXXX who claimed to a report for me and that he saw that Ive been requesting the information. He apologized and promised to look into that matter. XXXX was suppose to contact me and its been a week. Customer service informed me the extension and number that he gave me wasnt correct. I called today XX/XX/XXXX and everyone is acting as if they dont understand. Macys has fraudulent employees that pose as if theyre managers. XXXX didnt file a report or investigate the credit protection issue
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I was charged {$70.00} for a monthly parking service that I was no longer signed up for. I had called the company at the beginning of this month and they stated the refund would be back in at least 7 days so I did not attempt to cover the costs since they had that 7 day promise. It is now XX/XX/XXXX and no refund had been established and now my credit score is taking a dive because XXXX XXXX XXXX XXXX can not establish their funds back to my card. I paid the charge to my account just so it wasnt going to be a running balance but I am planning on buying a house soon and this parking company is compromising my livelihood and it is out of my control.
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CA)

America Express reported me to the credit card agencies with no real explanation AND then said I was in good standing. I have very good credit. I tried calling over XXXX times and faxing letters and NO help whatsoever. It appears on my credit report as a negative. The laws need to be changed. If I paid for 10 years perfect and owe them nothing so that would 99.9 % that my account was paid and they have ruined it 100 % by making a false statement. The statue of limitations has expired.
Consumer complaint received 2019-06-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Associates Loan Servicing LLC (NC)

After graduating from XXXX XXXX XXXX XX/XX/XXXX, I was certain the only debt I had were from the federal loans taken out on my behalf to go to school. Over a year later, I received a bill from PEAKS Student Loans indicating I owed north of {$24000.00} in private student loans. I never heard of this company until then, and only after they already tacked on interest and late payment fees. I specifically instructed the XXXX XXXX to NEVER take out private loans as they are often predatory and I didn't want to deal with any private entity. It is now XX/XX/XXXX and I'm still getting harassed by this company through collection agencies regarding this bad debt and I am not responsible for it. I have a family now and my credit score is still terrible after all these years and we need to buy a home. 

I have tried working through the credit agencies showing this debt to get it removed from my report due to fraud on behalf of XXXX but PEAKS has repeatedly called it legitimate and renew pressure on me to pay this off. Working with their new collection agency, Activate Financial, they are telling me I have an address in Virginia, and I have never set foot in the state, so obviously there has been some identity theft using someone else 's information to put debt on my shoulders.
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

I received a referral offer to open a XXXX credit card in late XX/XX/XXXX/early XX/XX/2019 and accepted that offer thinking that it was for XXXX bonus points. The next day I realized that it was for 3 nights of XXXX points. I called into Chase letting them know that I didnt want that offer, but rather the XXXX points. The first representative told me to close that card and apply for a new card, which I did. I then called back a couple days later to check on that application and was then told it was denied because of the first application. I then asked the representative on XX/XX/2019 what I could do to still get the XXXX point offer and they instructed me to spend the {$5000.00} and then call back and have the bonus offer changed. I spent the {$5000.00} and then called back on XX/XX/XXXX to request the bonus offer be changed. It was at this time that I was told the Marriot offer does not have this return of premium on this card/offer and that they cant change the bonus offer. The escalation department listened to previous phone calls and agreed with what I have said but are not willing to change the bonus offer. 

I have spoken with XXXX ( ext. XXXX ) and XXXX ( ext. XXXX ) at the phone number of XXXX at Chase 's Executive Office. They reviewed the previous phone calls and agreed that the representative gave me wrong information and offered me XXXX bonus points for their error, which I appreciate but is not sufficient to me as I did what I was instructed to do to fix the problem but now Chase is not owning up to their own mistakes. I would not have accepted the initial offer if I was given the correct information. I greatly appreciate XXXX & XXXX 's efforts, but I don't think they are understanding the importance of the situation. 

Please contact me back by phone at ( XXXX ) XXXX and I authorize you to leave an in-depth voicemail or by email at XXXX.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 XXXX XXXX XXXX, acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXXXXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX  XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information other than records and convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if The person knows or has reasonable cost to believe the information is an accurate
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon PLC Attorneys & Counselors (OH)

Attorney XXXX XXXX is the representation for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX keeps threatening to sue me for a debt my father owes on a judgment for an old loan. He has summoned me to court and depositions where he asks me personal questions about my husband and children. He has told me, my father and my brother that if my father doesn't pay the debt he will go after me for the money and tells me I am committing fraud and breaking the law. I am in no way signatory on any loans involving my father or his business nor am I an owner. XXXX claims that because I was an employee of my fathers small business at the time of the loan that I am responsible for the debt. He continues to make filings and subpoenas with the XXXX Municipal Court in XXXX County, one of which was 46 questions regarding my father, his bank accounts, business dealings, property and other information that I do not have access to. After I reluctantly answered all of these questions, I sent XXXX XXXX a cease and desist letter because I am not responsible for this debt. I received a letter last week stating that he subpoenaed XXXX and XXXX for my account information. Again, they have no judgement against me nor have i ever signed for or accepted responsibility for any loan involving my father or his business. He has continued to harass me and my family and my next step if this is not resolved by the cfpb is to file a complaint with the Ohio Attorney General, file a Grievance with the Ohio Supreme Court and file a suit for harassment against XXXX XXXX and XXXX XXXX
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion has continued to list a public record of a Chapter XXXX bankruptcy which XXXX and XXXX have removed from my credit report as they couldn't verify it. I have asked transunion for proof and they have said that hey verified the bankruptcy through the courts which is a lie. I have had a security freeze on my XXXX XXXX since XXXX or XX/XX/2016 and so they can't and won't provide the proof that this might belong to me. I have challenged them on 2 different letter writing episodes but to no avail. 
I am simply asking TU to do what is right as they haven't been able to truly verify anything or show needed proof.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/2017 XXXX XXXX XXXX, Capital One Auto Financing is a wrongful hard inquire on my XXXX credit report. Also, Capital One Auto Finacing appears on my XXXX   also. I contacted XXXX  and they said that the inquire is to old to summit anything to the company so I have to contact them directly to get a letter of deletion. I told XXXX   the company said they cant locate any application on file to see that they ever did business with me and will not send out anything but will respond if the XXXX sends them something. So Im getting the run around and this company is in XXXX Ohio I never been there in my life. This company has 3 separate hard inquires on my report. I just want these items deleted its going on 2 years but its affecting me trying to get my house.
Consumer complaint received 2016-01-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

On XXXX/XXXX/2015 I reached out to Midland Fund to settle a debt. It was agreed that a payment of {$1400.00} would settle the debt. A letter was received shortly after dated XXXX/XXXX/2015 that confirmed this information. I signed it, made a copy and sent it back. They continue to report this balance. I 've talked to the department handling the account which can be reached at XXXX and they confirmed the balance was paid. I was then directed to call XXXX who asked if I wanted to settle the debt. I am getting the run around and no one at this company seems to know what is going on, they 've been affecting my credit for 8 months and getting this matter resolved is not something they are interested in doing.
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX SERVICING IS REPORTING AN ACCOUNT ON EXPERIAN CREDIT REPORT indicating that a mortagage was paid for and never late. This data was disputed with EXPERIAN without validation as per FDCPA.
Consumer complaint received 2023-03-31
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. (OK)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (VA)

I was given a pre-qualification letter by XXXX XXXX of FNB on XX/XX/19. I was told in writing and over the phone that they would pull the equity out of my current home to be able to purchase the new property. I submitted all required documents and completed the loan application on XX/XX/XXXX. I was then contacted by XXXX XXXX from FNB on XX/XX/XXXX and was told that I needed to open an online banking account with FNB in order to qualify for the interest rate that was promised. On XX/XX/XXXX I completed the online banking application and have recently been billed for this account. After repeated calls to XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX, to get a status, he finally wrote back to me on XX/XX/XXXX, telling me that he was still waiting to get the appraisal back on the bridge loan but would get back to me later that day. I called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and also had my Real Estate agent call to get a status as we were supposed to close on XX/XX/XXXX. Finally, on XX/XX/XXXX, XXXX responded via email that they couldn't do the bridge loan because he thought they could get the full value of the equity originally but was capped at 75 % -80 %. I then told XXXX on XX/XX/XXXX that I could take a penalty and pull the money out of my 401k. He told me that I should do so. I applied the same day and had the funds available 2 days later ... and wired them to the Title Company so that we could close by XX/XX/XXXX.  Once again, XXXX never followed up. After reaching out to him on multiple occasions with no response, he finally responded on XX/XX/XXXX that he had spoken with his VP and that everything was good and that I should get confirmation later that evening. I then received a XXXX at XXXX XXXX and signed it, the evening before departing on vacation. On Wednesday, XX/XX/XXXX, I  received an email from XXXX stating that they were changing the plan once again and that I needed to pay an additional {$15000.00} to buy down the rate to 3.5 % to get the debt-to-income ratio below 50 %. I was told that he needed my answer immediately and so begrudging sent him a note that we accepted. He told me that the mortgage would drop to {$3300.00} and that cash to close would go up to {$170000.00}. I agreed to everything. Then, on Monday, XX/XX/XXXX, I received an email from him that once again, they were changing the plan and that I needed to either give them another {$25000.00} to buy the rate down lower or that I would have to buy my leased XXXX. 

As a result of all of this, I am at risk of forfeiting my {$10000.00} in earnest money, I have already spent ~ {$3000.00} to get the well inspected and the property survey. I will lose ~ {$20000.00} in 401k age penalties. I am getting billed for an FNB bank account that I never wanted and have paid for utilities at the new place. All together, this Bank has probably cost me nearly {$35000.00} due to their incompetence.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Servis One, Inc., Titusville, PA Branch (VA)

XXXX has failed to delete files that are over 7 years aged and has failed to correct their report that shows 2 real estate mortgages. I have asked XXXX  over a dozen times to delete BSI Financial services  as the account is closed. They show 2 open real estate mortgages, which is incorrect.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (MS)

I was reviewing my credit report and noticed multiple credit inquiries from companies I have never heard from or have done business with thus they would have no legal right to access my file. Further for the few companies that I have accounts with that they confirmed that additional credit inquiries were not initiated by them and they must be fraudulent. I asked them to remove them however they indicated that I would have to formally dispute them with the credit bureaus and to identify them as inquires that I never authorized or gave permission for my credit report to be pulled. To be clear this is a violation of federal law and this is very alarming that my credit file has been accessed without my authorization. Seeing as I already have a fraud alert on my file I am wondering how these inquires were even made as I was not contacted to give my authorization. 

The following inquiries are the ones identified that need to be removed IMMEDIATELY as I never applied for credit with these companies either on the date in question or at all and they did NOT have permissible purpose to access my file. 

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 XXXXXX/XX/XXXX I have attached a copy of my ID for identity verification.