davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (OH)

I opened a Keybank XXXX and XXXX account on XX/XX/XXXX with funds from a recent house sale at the main XXXX, Ohio location at XXXX XXXX XXXX XXXX, XXXX, Ohio. Key, at the time, was running a 5.00 % APR special for the XXXX. I deposited over {$290000.00} into the account during the time it was open. When we found our next house, I needed the funds to purchase the new house, so on XX/XX/XXXX I visited the branch to close the account. During the account closing process, the teller 's system 'froze ' and they were unable to produce a check in a timely manner. I had to come back to the branch XXXX hours later to get the check. When I came back, I realized the check was for the book value of both the checking and savings account, without any additional interest for the XXXX of the month the account had been open ( from XX/XX/XXXX through XX/XX/XXXX ). I inquired, before leaving the branch with the check, as to the reason they were not including the additional interest, and was told by the banker I worked with that the standard process is to mail a check and I should receive it within XXXX weeks. I waited XXXX weeks, and began to inquire as to the reason I had not received the check. I first called their help hub on XXXX, and was told I would need to wait longer for the check to arrive, but was assured it was coming. I reached back out on XX/XX/XXXX, after the full XXXX weeks again and was told I would need to go to the branch as they would need to generate another check request, but was assured the funds would arrive eventually. I went to the branch, and spoke to their branch manager who said he would need to check with another group in the bank. On XX/XX/XXXX, I visited the branch again, and the branch manager indicated he did not follow up with the group, and would need to reach back out to them. 

Later that day ( XX/XX/XXXX ), he finally got back to me and said the reason I had not received the check, after being assured the funds were going to eventually be sent to me by XXXX different employees, was that I did not allow XXXX business days between the last date of interest paid, and closing the account according to the terms and conditions when I first opened the account. I was on day XXXX, because XXXX XXXX ( which most institutions do not regard as a holiday ) fell on XX/XX/XXXX. I feel I have been treated unfairly, and deceptively as this was not explained to me at the branch on the day I inquired about it, the same day I closed the account. Had I known this, and the branch was able to provide a correct reason, I absolutely would have waited an additional day to close the account. In addition, I was promised by XXXX employees the funds were on their way to me.
Consumer complaint received 2023-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WESTERN ALLIANCE BANCORPORATION (CA)

I was charged for corporate fee of {$45.00} showed on my mortgage statement. I called and asked what the fee was for. The representative informed me that it was for the inspection fee, which I was never informed about the fee anytime during the mortgage assistance application starting on XX/XX/2023. I requested over the phone several times to request for the refund of the fee and have the case escalated to a manager on XX/XX/2023. 
However, until now, no one has got back to me.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2022-04-28
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX, XXXX : XX/XX/year> : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account : XXXX XXXX XXXX under account # XXXX, An collection Account under XXXX XXXX XXXX : Account # XXXX, Another collection account under XXXX XXXX XXXX : Account # XXXX, collection account XXXX XXXX XXXX : under account # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

To whom it may concern, I am writing to dispute the accuracy of certain items on my credit report, as reported by [ XXXXExperian ] . This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ), specifically highlighting violations of : 15 U.S.C. 1681 Section 602 ( a ) : Right to Privacy - It is my right to have my credit information treated confidentially and disclosed only for permissible purposes. The accounts below have been reported without my written authorization, violating my federally protected privacy rights.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Permissible Purpose and Written Consent - This section mandates that consumer reports may only be furnished with the consumers written instructions. I did not provide written consent for these accounts to be reported, making the reporting unauthorized.

15 U.S.C. 1681c ( a ) ( 5 ) : Adverse Items Reporting Limit - This section states that adverse information can not be reported if it predates the 7-year limit. If any of the report
ed information exceeds this timeframe, it must be removed.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Accuracy of Information - This section requires that furnishers of credit information only report accurate information. If there is any discrepancy in the reporting of these accounts, it constitutes a violation. 

The items I am disputing are : XXXX  XXXX XXXX Revolving Account # XXXX- Listed as a charge-off. 
XXXX  XXXX XXXX Revolving Account # XXXX- Listed as a charge-off. 
XXXX XXXX XXXX - Account # XXXX - Listed as a collection. 
I request a thorough investigation of these accounts to verify their accuracy and ensure compliance with FCRA requirements. If the investigation determines that these items were reported without permissible purpose or written consent, I ask that they be permanently removed from my credit report. 

Please confirm receipt of this dispute and notify me of the investigation results within 30 days, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-07
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 (OH)

On XX/XX/2022 I used the service of XXXX XXXX to send money to family. The company gave me the option to draw directly from my savings or use a credit card or pay cash in a facility. I chose the credit card because XXXX XXXX offered a promo code to reduce their fee. Today when I paid my monthly credit card bill I noticed that my outstanding balance was higher than I anticipated. I called and was told that my XXXX XXXX transaction was classified as a cash advance. Bank of America had assessed a cash advance fee of {$43.00}. In addition interest accrued to over {$16.00} would be charged on my next statement. I immediately paid off the XXXX XXXX balance and requested that the fees be adjusted explaining that this was a service which I paid for using my card as a convenience. Not a cash advance. The representative refused. I closed my account. But I feel it is not fair to still have these fees pending. It is not made clear that this service is considered a cash advance. I pay my card off every month. I had multiple options to pay. I feel the charges are excessive and deceitfully charged
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Im writing with a heavy heart to dispute some inaccurate information on my credit report. The following items are incorrect, and theyre causing significant damage to my credit score. This is really stressful for me, as Ive always tried my best to manage my finances, and seeing this has been overwhelming. 

XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX balance : {$480.00} Reason : I disagree with the findings of your investigation regarding the missed and late payments on this account. I request a detailed statement of all payments made and missed since the account was opened, as I believe the reported results are inaccurate. 
delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX balance : {$18000.00} Reason : I disagree with the findings of your investigation regarding the missed and late payments on this account. I request a detailed statement of all payments made and missed since the account was opened, as I believe the reported results are inaccurate. 
delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate INQUIRIES : TRANSUNION 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 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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Im concerned and confused to see this lender on my credit report. I dont recognize them and dont remember authorizing a hard inquiry. There are multiple inquiries in one day, but I only approved one. This has caused me a lot of stress. Please provide proof of authorization or remove the unauthorized inquiries immediately.
Consumer complaint received 2022-07-27
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. (IL)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XX/XX/2019 XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$320.00}
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESS needs to be removed from my Experian consumer file it is not my residence said address XXXX XXXX  XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX XXXX, In XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. Information was involved in XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-29
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. (TX)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2022-06-07
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: Bread Financial Holdings, Inc. (TX)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, and XXXX XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-09
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. (IL)

Two rounds of dispute letters were sent to Experian on XXXX, XXXX, XXXX  and XXXX XXXX via certified mail ( usps ) in regards to XXXX  XXXX and XXXX XXXX reporting collection accounts which has not been fully validated with signature as requested. This collection account remains on my credit report despite not being fully validated.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/XXXX I deposited a check that found out later to be a fraudulent check, that I received for a job that I applied for on XXXX  and was told to cash the money once the funds were available and that happened on XX/XX/XXXX and deposit that cash into a Bitcoin ATM, on XX/XX/XXXX in the morning the check was returned and funds were talking out my own money, I contacted the bank Navy federal Credit Union and was told by them that they cant help me out and that I have to pay the negative balance that I now have.