davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have been charged overdraft fees and checks have been returned on my account causing more fees fro m other companies too also charge me fees for reprocessing the checks that have been returned. Huntington Bank states that they give you 24 hours grace but they do n't. In fact one day they gave me no notice at all : returned a payment to my credit card company and charged me a fee & this was all on a Sunday ( not  even during banking hours. Also- I am signed up for text alerts, email alerts, daily balance alerts, etc. I was not notified of anything in advance. Only after the fact. I was charged  XXXX   XXXX ,  XXXX ,  XXXX   XXXX  by Huntington Bank and then  XXXX  dollars by  XXXX  for redeposit of checks tha t Huntington had sent back without notice and without 24 hour g race. I had tried to buy something with my debit card & I had been approved to go into the negative on my debit card was declined - the branch manager returned  XXXX  overdraft fee  one tim e because he said that was wrong- but I still had to pay the  XXXX  dollar fee to  XXXX   XXXX .  Huntington  refused to heed my complaint so I thought maybe you could help. Is n't this false advertising?
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank indicated a charge to my checking account was made with my debit card on XX/XX/2021 in the amount of {$100.00} at the U.S. Post Office. The amount allegedly represented a {$1.00} purchase and {$100.00} cash back. I did not make this transaction and I disputed the charge with the Bank. They temporarily reversed the amount on XX/XX/2021 while they did their research.. On XX/XX/2021 they informed me the research was completed and indicated that I was responsible for the transaction and the charge was again placed on my account. I went to the Post Office who informed me that they do accept debit card transactions but only give cash back up to {$50.00}. I contacted the bank again ( local branch in XXXX XXXX ) and they said they had completed the investigation and the matter was closed.
Consumer complaint received 2018-01-18
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: Resurgent Capital Services L.P. (NJ)

I requested a debt validation to XXXX XXXX XXXX and they only send me a debt verification onXX/XX/XXXX certified mail with the confirmation number XXXX and a return to sender that was received onXX/XX/XXXX by XXXX I received the verification letter onXX/XX/XXXX on the mail.

On XX/XX/XXXX I resend them a letter that stated to send me a validation of the debt, the letter was send via certified mail with the confirmation number XXXX they received onXX/XX/XXXX by XXXX XXXX and XXXX XXXX XXXX never respond to my certified letter
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (MS)

XXXX sent an incomplete order, with no pants. I immediately called and requested the item or a return label. This was followed up with multiple emails, alm to no avail. I contacted my credit card issuer, Navy Federal Credit Union and sent them the information regarding the dispute. To this day, I have not received a credit, nor has my dispute been settled. I have still been charged for goods that were not what I ordered. Navy Federal Credit Union takes a very long time to respond to each request. Yet when I submitted documents as they request of me, I still do not receive timely response, if at all. I last contacted Navy Federal on X/X/17 and again today. I need my money credited back to me. This has been far too long.
Consumer complaint received 2018-02-01
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. (MA)

I had a XXXX grant which I converted to loans last year. At that time, I was told by a representative at XXXX XXXX that these new loans would be rolled into municipal existing loans and added to my monthly payments. I just noticed yesterday ( XX/XX/2018 ) they were delinquent ( 11 missed payments ) with no emails or notifications from XXXX about any of the missed payments. Again, I was told they would be added to my current loans, so I thought they were being taken out all along. I want this taken off of my credit report as this was not my fault. I paid off the outstanding balance yesterday ( {$1100.00} on XX/XX/2018 ). I have paid every single other loan on time. I am a great customer who clearly trusted the word of someone at a XXXX XXXX company.
Consumer complaint received 2023-01-28
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. (IL)

Several attempts have been made to remove non-mailable addresses and employment history off my credit report with TransUnion. Last spoke with an representative XX/XX/22. 
The only address to remain is my current address and current employment. To this date the information remains inaccurate. 

According to 15 USC 1681e 607 ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information ''. Inaccurate information must be removed immediately ; these are non-mailable and I no longer am employed with said companies.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2017-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

portfolio recovery has called up to weekly to collect on a debt b y some one with  same name. It is not my debt and I dont feel I should have to respond.I also should not have to do their work.If they did their proper due diligence they wouldnt have to harass peo ple needlessly.They ha ve called in the past I told them it wasnt me and stop calling .The calls have resumed  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .6  months ago I informed a  XXXX   XXXX  from  portfolio recovery   XXXX  Virginia  XXXX   XXXX   XXXX   XXXX  to  stop harassing as th ey had wrong person
Consumer complaint received 2018-02-01
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I submitted a complaint here bc I had been working to have XXXX, Experian and XXXX   correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. Experian has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. XXXX and XXXX have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/XXXX, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.
Consumer complaint received 2018-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.C. Accounts Recovery (U.S.A.) Corporation LLC (FL)

I receive a letter from A.R.C Accounts Recovery ( U.S.A. ) Corporation LLC dated XX/XX/2018 claiming that I owe the XXXX XXXX XXXX XXXX XXXX {$2300.00} ( XXXX XXXX ). I have been in the US for 15 years and have never done business with the XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-01
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)

I JUST BECAME AWARE OF A LIEN REPORTED IN MY CONSUMER CREDIT REPORTING AGENCIES. I HAVE NO KNOWLEDGE AND NEVER CONSENT OR HAVE ANY CONTRACT FROM SUCH REPORTED LIEN.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

Lower my  credit limit not to long after i payed  XXXX  $ And do n't tell me why .And did n't know into I tryred to buy food .and just had  XXXX  on card
Consumer complaint received 2017-06-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MO)

I have been paying monthly installments to a debt that I had let go to collections. For the past year and a half I have been paying {$300.00} to  TransWorld Systems Incorporated to pay off a debt of ~ {$16000.00}. I set up  automatic withdrawals with  TSI  and I had received monthly invoices giving me notice of adjusted balance. This month  (   XXXX ,  2017  ) I looked at my credit report and it noted that specific debt had been closed out  ( a total of ~  {$12000.00} at this point ). I also noted that I had not received notice of automatic withdrawal. The regular amount of {$300.00} was still withdrawn from my account. I want to inquire as to why I am still having money removed from my account when the debt has been closed on my credit reports, and I want to inquire if it is reasonable that I have not received notice of the most recent automatic withdraw?
Consumer complaint received 2017-06-15
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. (FL)

We have filed numerous reports regarding the errors and to date the only thing repaired was my name. My   XXXX   score which they allude to not having anything to do with reflects  XXXX . All corrections were Filed as well with   XXXX   who has NOT updated the other  XXXX  bureau s! NOTE on each complaint filed Trans Union WAS included as was  XXXX !!!!
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Experian report remains incorrect due to incorrect reporting by the Lender  XXXX . We never closed the acct. Our reverse mortgage lender paid them by agreement disbursement. We only requested they remove the lien on the water conditioner. They stated " due to that they are required by  the Fair Debt Reporting Act ''   to file that way? That remains a negative on Experian, has handicapped our ability to finance our additional debt and placed us in significant financial harm. Experian report #  XXXX .
Consumer complaint received 2024-01-29
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2018-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX Inquiry from XX/XX/XXXXand XXXX XXXX  Inquiry from XX/XX/XXXX. I had reported int to XXXX  and Equifax, because somebody put it on my credit report. 
Also I had a derrogatorry mark from XXXX Opened XX/XX/XXXXthat I had paid in full, and I reported it to Equifax, and they didn`t tooked out of my credit, even I hd paid it in full. I had called them many times, but they hold it in my account. 

Also, I would like to report that I paid my student XXXX in full and still my credit said that I have a debit for {$3200.00}. nd that is from the 3 boreau credit!
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (GA)

I am in the process of buying a new home. I had a foreclosure several years ago. My lender has requested a satisfaction letter from Chase Mortgage.I called them on XXXX XXXX and requested the document and was told it would take between 5 and 15 business days to get the letter. As of today ( XXXX ), I can not get that letter I need and now I ca n't get anyone to call me back. I already lost one house and had to eat the inspection fee and the appraisal fee because of this missing letter. I have a new house under contract and need them to provide the letter immediately. I am at their mercy right now and I need help.
Consumer complaint received 2017-06-15
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. (NY)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re : unauthorized inquiry To Whom It May C oncern : I would like to dispute an unauthorized inquiry from   XXXX   XXXX   XXXX   which was made on  XXXX / XXXX / 2015 . I checked my credit report, which I acquired from Experian.   I have contacted   XXXX   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status to 180+ days late and my score dropped. XXXX will not remove these paid off accounts and they added false info when I filed a dispute. The same loan is also on my reports multiple times. I dont know where to turn.
Consumer complaint received 2018-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I have had a credit card with Bank of America ( BOA ) for  years. It has always been set up on an autopay system. Apparently, 10 months ago they change the payment amount and neglected to inform me of this action. I finally received an email from BOA stating my account had been closed and I owed a minimum payment in excess of {$700.00}. Upon inquiry I was apprised of the above information and informed that they had been sending emails to a defunct email account, which has never been a primary. When I inquired as to why they finally sent the information to my operating email account following 10 months of insudfficient payments, they had no explaination. So my account with BOA has been closed for non-payment and I have been charged interest and fees which are unwarranted as I never received notice. They obviously know how to email me, and I have not moved. I find this conduct unconcionable.
Consumer complaint received 2019-10-21
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. (MS)

I am writing this due to non-compliance with Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. In effort to clear my report of fraudulent information, I discovered that my name is incorrect. This further proves identity theft. The information associated with XXXX XXXX XXXX must be deleted
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My Card had an available balance of my money of + {$1800.00} on XX/XX/XXXX. I have not made any transactions or withdrawn any money since then. My card was hacked by hundreds ( around 500 ) of withdraws transactions labeled XXXX INTERNET , California or XXXX XXXX XXXX XXXX XXXX, California mostly on XX/XX/XXXX and XX/XX/XXXX, almost all the transactions were in the amount of XXXX, XXXX, and XXXX, which drained my balance to XXXX $ on XX/XX/XXXX. 
I filed a complaint with the company and my claim # is XXXX, they gave me a credit of around 100 transactions in the amount of {$320.00} onXXXX and XX/XX/XXXX and promised to do the rest later. They still need to retrieve {$1500.00}. 
I have spoked with 4 of their agents on 4 different dates including the manager to complete the process but all they have been telling me is promises with no actions, I have spoken with XXXX in XXXX, XXXX in XXXX, XXXX in the middle of XXXX, and XXXX in XXXX. 
Please I need this to be resolved, it is going on for almost 4 months with no resolution at the end. 
Please I need help to get my money back and I am asking your help
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have previously followed up and disputed this. On my Equifax report, a debt from " XXXX XXXX XXXX '' shows three incorrect amounts being reported incorrectly under this " XXXX XXXX XXXX  '' and the Accounts and respective amounts are as follows : *Account XXXX - {$110.00} *Account XXXX - {$170.00} *Account XXXX - {$54.00} These amounts should not be appearing on my report and should be deleted since there are no amounts owed.
Consumer complaint received 2018-01-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

XXXX XXXX XXXX is illegally reporting a more recent status date of XX/XX/XXXX on a XXXX phone bill debt from XX/XX/XXXX to XXXX and XXXX. The debt is past the statute of limitations for collections.
Consumer complaint received 2018-03-27
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. (FL)

Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports XXXX, XXXX and Experian under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks
Consumer complaint received 2018-01-12
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEARTLAND PAYMENT SYSTEMS INC (VA)

Registered for classes with XXXX XXXX University last spring then decided to go with XXXX  XXXX. Several months went by then I received a letter that my account went into default reminding me that I had registered for classes but never started any work in them. It was my understanding that if no work was done the first two weeks I would be automatically dropped. That did not happen and now the school wants their money and sent my account to Heartland XXXX for collection. I can not dispute this with the school now.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (PA)

Experian sent me the findings of their investigation which states the company verified the bankruptcy. Experian has stated numerous times the information came from XXXX XXXX. On XX/XX/2023 XXXX XXXX sent a letter that they are unable to verify the information. How did Experian verify this information? The bankruptcy court nor I verified this information. 

Experian continues to be in violation of : Defamation of Character ( per se ) 1. Negligent Enablement of Identity Fraud 2. Fair Debt Collections Practices Act 15 USC 1692g violations 3. Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2021-10-30
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. (NJ)

Pays my rent monthly, never skipped, and have all evidence at hand. Landlord reported in my transunion credit report that I owe and have past due amount. Dispute file, report did not change. Unable to submit evidence on TransUnion dispute platform. Landlord did something 5 to 6 years ago, took me to court and case could not proceed when their lawyer saw my evidence.