davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Hunting Bank is the issue here. And my checking account number is : XXXX. I think and believe that possibly my bank is taking advantage of me being XXXX XXXXXXXX person ... whereby during my previous conversations with persons at my bank... they have told me that Huntington Bank processes my deposits from my XXXX account very slowly. Which then causes me NOT to be able to track my checking account balance properly and it seems then that my deposits are processed in a manner which literally CAUSES my checking account to become WRONGLY overdrawn. For example, there are NOW due to such questionable taking advantage of me... approx. 5 or 7 overdraft fees which have been seemingly deceptively charged against my checking account ( e.g. on XXXX and one on XXXX ) at $ XXXX each -- - such that NOW my checking account is OVERDRAWN by - {$210.00}. Also, at least one ( 1 ) of the overdraft fees is actually for what as best that I can tell an ACTUAL credit/ deposit in the amount of {$97.00} on XX/XX/2022. My checking account is in my name : XXXX XXXX XXXX and my address noted on the account is : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. Please respond to me via email @ XXXX.
Consumer complaint received 2021-11-11
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)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX XXXX XXXX Balance {$79.00} XXXX XXXX XXXX, XXXX XXXX Balance {$160.00}
Consumer complaint received 2021-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Galaxy Capital Acquisitions, LLC (FL)

I WAS A VICTIM OF IDENTITY THEFT AS A RESULT THESE ACCOUNT WERE OPEN UNDER MINE AND TAXES, PERSONAL LOAN UNDER MY NAME XXXX # XXXX ... XXXX XXXX XXXX # XXXX. 
XXXX # XXXX ... XXXX XXXX # # XXXX XXXX XXXX # XXXX.,, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-03
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: Consumer Portfolio Services, Inc. (PA)

After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Consumer Portfolio Services , Inc. on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Consumer Portfolio Services , Inc. violated federal law. see 15 USC 1681b A2. I did not give Consumer Portfolio Services , Inc . Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My son with a very similar name applied for a store credit card offer from XXXX XXXX. The store approved the application and issued a {$4000.00} credit limit they used my social security #. When he applied he used his address and his info. I have asked Transunion and XXXX  to correct this they claim the account is mine and that is impossible with not having the right address on file, the wrong social, They don't have my phone # or email address. in addition I want to see my signature on this application. as a result of this my credit dropped from excellent/good to fair.
Consumer complaint received 2020-09-21
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: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX, XXXX Balance {$5800.00} opened XX/XX/2019 I do not recognize doing any contract or business, please verify this debt,.
Consumer complaint received 2020-09-21
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. (MI)

XXXX XXXX XXXX, XXXX Balance {$5800.00} opened XX/XX/2019 I do not recognize doing any contract or business, please verify this debt,.
Consumer complaint received 2022-04-27
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. (IL)

In accordance with The Fair Credit Reporting Act, XXXX  account # has violated my rights. 
15 U.S. C 1681 Section 602A States I have the right to Privacy.

15 U.S. C 1681 Section 604 A Section 2 It also States a Consumer Reporting Agency can not Furnish an account without my written Consent.
Consumer complaint received 2017-12-18
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: Experian Information Solutions Inc. (IL)

Experian is reporting fraudulent information and when I try to contact them their website does not work. They are in violation of Section 609 of The Fair Debt Collections Act by not having and not being able to produce on demand the consumer signed contract with the alleged creditor.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I have inquiries on my credit report that are not mine, I know that there was a data breach and my personal information was compromised. I have a whole list of inquires that were made by an unknown source. These inquires were not made by me. I am a victim and it has truly hurt my credit score. 

I have provided the list of inquiries that were not mad by me. 

XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-06-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

On or around XX/XX/XXXX credit decreased XXXX points on Equifax ( as seen on XXXX XXXX XXXXpp ) due to {$370.00} payment/balance decrease of XXXX XXXX card . Contacted Equifax [ on or around XX/XX/XXXX ] and was assured that score did NOT drop [ XXXX ] and a copy of report was mailed via us postal. XX/XX/XXXX, a complaint was made against XXXX XXXX ( case id XXXX ). On XX/XX/XXXX report revealed Equifax score of XXXX which is a XXXX point decrease instead of previous XXXX points. XX/XX/XXXX contacted XXXX XXXX they use another bureau, not Equifax . if possible, I would like to use same uploads from complaint XXXX against Equifax instead .
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NE)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account beginning in # XXXX, XXXX XXXX acount beginning in # XXXX XXXX XXXX  account beinning in # XXXX XXXX XXXX XXXX account beginning in # XXXX, and XXXX XXXX account beginning in # XXXX have all violated my rights. 

15 U.S.C 1681 secion 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consmer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-08
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. (TX)

I have written several times disputing the XXXX XXXX Hospital bill and it isn't being removed. I asked them to verify that I am the financial party whom signed the documents to be financially responsible for this bill and I am not that party yet these bureaus keep reporting erroneous items. I am not the party that is responsible for paying anyone 's bills but my own. If they would look at the signatures they will see for a fact I am not the responsible party. Made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA this item should have been verified as incorrect and deleted but the bureaus has yet to comply.
Consumer complaint received 2022-04-27
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. (FL)

Please delete the following fraudulent accounts and inquiries from my credit reports. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries are fraudulent Equifax Mortage Service XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every time I dispute this information it keeps coming back verified and I am requesting you provide me with your Metro 2 Five Points of Compliance and provide me a signed document with my signature for all of these accounts and address where the supposed accounts are from. I will be filing a lawsuit and hiring a lawyer If you do not delete these accounts off all of my credit reports.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
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. (FL)

Please delete the following fraudulent accounts and inquiries from my credit reports. XXXX XXXX XXXX XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Every time I dispute this information it keeps coming back verified and I am requesting you provide me with your Metro 2 Five Points of Compliance and provide me a signed document with my signature for all of these accounts and address where the supposed accounts are from. I will be filing a lawsuit and hiring a lawyer If you do not delete these accounts off all of my credit reports.
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (PA)

I refinanced a property on XX/XX/2021 and the payoff was made within a few days. I am due a refund of my escrow balance which is yet to be received. 

Since the refinancing, I have received several emails telling me that my escrow account was being evaluated ... as it is this time every year ... so they are determining if my payment needs to be adjusted rather than returning my money. 

Multiple calls to the lender, SunTrust/Truist, when I can reach them, have only gotten a response about what their process is. I called yesterday, XX/XX/XXXX and was on hold until I gave up at over 49 minutes ... trying to take my granddaughters to lunch. 

I am actually on hold now and the message says the delay will be over 25 minutes ... the same message as yesterday. This level of service should not be allowed.
Consumer complaint received 2021-02-01
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. (CA)

Through multiple attempts to have these accounts verified as accurate, the bureaus have failed to provide me any proof that these accounts belong to me. 

I have stated on several occasions that these accounts do not belong to me and belong to someone with a similar name and I am demanding these accounts be deleted as they are damaging my credit reports, or that the reporting bureau provides proof of verification and accuracy of this account. They have failed to do so. 

Account details : XXXX XXXX XXXX - XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (CO)

Last XXXX  I noticed several weekly payments coming out of my account from Tempoe , LLC. I called them and asked what this was and they couldn't give me any information as I didn't have an account with them. I asked them " why then are you taking out money from my bank account? '' They suggested I call my bank. 

I called my XXXX XXXX  and they started an investigation and issued me a new debit card as that was how the monies were being removed. They reimbursed me all the funds. 

Sometime in XXXX I started receiving phone calls from a company that said they were trying to collect on the debt. I relayed the same info to them as above. They told me that they were emailing me information. I asked what email they were using and it wasn't mine. Something like XXXX???? 

I then called XXXX County Sheriff Office and spoke with a Deputy who said that this was a common ploy and that I should just tell the people who called that it wasn't my debt and hang-up. He also suggested I keep a watch I my credit report. When I looked today, I found a negative report from XXXX XXXX XXXX in the amount of {$1400.00}. I called XXXX and disputed the report. They suggested I file a claim with the FTC.gov which I am doing today. 

Can you please help?
Consumer complaint received 2020-09-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MD)

Refused the opportunity to do an in-house FHA Streamline Refinance when I was eligible to do so in XX/XX/XXXX. The underwriters of the company, PHH, kept trying to insist that I had been late on my mortgage even though I paid within the grace period and was NEVER late. They had the records within their company showing such and I even offered to provide my credit report to validate my claim despite the fact that could go through their records and see it for themselves. I even had my Relationship Manager with the company send over a statement stating that I had never been late and was still denied the ability to refinance. 

I put my account in forbearance in XX/XX/XXXX following the fiasco following the denial under the impression that they were going to fix the issue on the underwriting side. At the time, I was told that the forbearance would not hinder me from being able to do the streamline refinance. Subsequently, I tried again to refinance the property in XX/XX/XXXX and removed the forbearance from my account at that time. Once again, my application was denied after a month of processing. When I inquired as to the reason why, I was informed that the forbearance then disqualified me from being able to do a streamline. 

Disappointed, I then called to do a conventional loan refinance with them again in XX/XX/XXXX. At that time, I was told that the forbearance was put back on my account despite the fact that I had it taken off in XXXX. This situation has now made it so that I can not refinance my home until XX/XX/XXXX despite the fact that I was eligible in XX/XX/XXXX.
Consumer complaint received 2021-02-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Contacted the credit bureau Transunion on XX/XX/XXXX regarding being a victim of their inquiry issue. Customer service refuse to help me remove the unknown inquires. I have listed them below 1. XXXXXXXX XXXX XXXX CREDIT REQUESTED ON XX/XX/XXXX 2. XXXX  Requested on XX/XX/XXXX & XX/XX/XXXX 3.XXXX  REQUESTED ON XX/XX/XXXX 4. XXXX XXXX XXXX REQUESTED ON XX/XX/XXXX & XX/XX/XXXX 5.XXXX XXXX XXXX  XXXX  REQUESTED ON XXXX, XX/XX/XXXX & XX/XX/XXXX 6. XXXX XXXX XXXX REQUESTED ON XX/XX/XXXX & XX/XX/XXXX 7. XXXX XXXX  XXXX  Requested on XX/XX/XXXX & XX/XX/XXXX 8. XXXX REQUESTED ON XX/XX/XXXX 9. XXXX XXXX XXXX Requested on XX/XX/XXXX 10. XXXX XXXX  XXXX  Requested on XX/XX/XXXX 11. XXXX XXXX  XXXX Requested on XX/XX/XXXX 12. XXXX XXXX Requested on XX/XX/XXXX 13. XXXX XXXX Requested on XX/XX/XXXX & XX/XX/XXXX 14. XXXX XXXX Requested on XX/XX/XXXX 15. XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX 16. XXXX  XXXX  Requested on XX/XX/XXXX 17. XXXX XXXX XXXX  Requested on XX/XX/XXXX 18. XXXX XXXX XXXX Requested on XX/XX/XXXX 19. XXXX XXXX  XXXX XXXX Requested on XX/XX/XXXX 20. XXXX XXXX on XX/XX/XXXX 21. XXXX XXXX XXXX Requested on XX/XX/XXXX and XX/XX/XXXX 22. XXXX XXXX REQUESTED ON XX/XX/XXXX 23. XXXX XXXX XXXX on XX/XX/XXXX 24. XXXX XXXX Requested on XX/XX/XXXX
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (NY)

I opted out of overdraft protection. My bank allowed 8 different debit transactions in the month of XXXX. 

I contacted my bank about this issue and they refused to refund the over {$300.00} in fees despite confirming that I opted out of this service. 

I am reaching out for help further.
Consumer complaint received 2021-09-04
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. (CA)

I am making you aware of this because current law does not provide for egregious and damaging score reporting unsupported by statistical evidence. A years -long perfect credit history recently was marred by a mistake by an ex spouse still with an open shared account for which she is responsible. 

The resulting delinquency resulted in a FICO drop of over 100 points. There can not possibly be any statistical or actuarial evidence that this represents actual credit risk. 

I intend to file against the credit reporting companies regarding this if it's not corrected, and want you to note this is an XXXX. 
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Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (AR)

I am attempting to file a complaint regarding my Discover credit card account. The merchant closed the account without my consent after I agreed to set up a payment arrangement. I was recently served due to this matter which violates the XXXX XXXXXXXX XXXX XXXX XXXX. I pulled my XXXX report with each bureau and noticed that several inaccuracies with this account raise concerns. First, the balance owed is reported incorrectly with each bureau. Secondly, the date reported, closing date, and credit limit balance all reflect inaccuracies that violate the Fair Credit Reporting Act. I am kindly asking you to look into this matter. I have been a valued consumer with Discover since XX/XX/1991 and I am disappointed the merchant is now trying to sue me after an error on their end. I have attached a screenshot of the report with each bureau. I greatly appreciate your assistance in this matter.
Consumer complaint received 2021-09-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (NV)

PlusFour Collections has {$210.00} on my credit reports. I've disputed them twice ; they apparently validate the debt but never respond to my dispute stating that I never received even one invoice from this company indicating what this debt is for. There is no account number listed on my credit reports. I couldn't make a payment even if I wanted to because these people won't respond with an invoice.