davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (NJ)

We traded in our vehicle and contacted the holder of the loan which was Key Bank to cancel an upcoming auto debit payment and all future payments since we were no longer the owner of the mini-van. We did so days in advance and received a cancellation code, and were assured the payment would not go through. We had to take money out of our account for the new vehicle and I had bills to pay the coming week. They still took out the payment, which took my account down so far, that I was unable to buy food for the week, and has made several other bills late. When we called Key bank they gave us the runaround that the person we spoke to was not available and that we have to wait five days for the money to be refunded. This is unacceptable on several levels. We cancelled in enough time and received a cancellation code, and were reassured by a supervisor that it would not come out of our account. My wife and I have spent hours on this between excessive hold times and poor customer service. When we asked for the supervisor 's full name, the girl said that they do not give out full names. When calling we have a right to know the identify of the person we spoke to especially since they make us go through excessive security identifiers. This is very unprofessional and when we told them we need our money back now, it is preventing us from paying our bills, they did not care, and said " we are sorry you feel that way ''. To me, this why the CFPB exists and needs to step in. We need more than our money back at this point. My XXXX was racing when I saw the money come out of our account, and after hearing from my wife that they will not refund the money as quickly as they took it out, that I nearly had to go to XXXX XXXX with a XXXX XXXX. This is an unfair practice under the CFPB. I have suffered financial harm, it was not avoidable since we did our due diligence in cancelling with back up evidence of the cancellation, and this was not for reasons of competition, and the bank does not care what damage this is doing to us, by their attitude when we have called. We need some type of financial restitution, and being a bank, they need to be investigated for their practices. We looked into this bank and they have a number of consumer affairs complaints and get " a single star ''. This should give a glimpse into how good this bank is.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GUARANTEED RATE INC. (IN)

I received a letter from Guaranteed Rate stating that I have not provided " Hazard Insurance '' for my home located at XXXX XXXX XXXX XXXX XXXX IL XXXX. They paid the bill and received the rider for the insurance in XXXX from escrow. We have a previous complaint that was filed although they replied with a resolution it was not just. At this point they are just harassing me for no reason at all. I will attach a letter from Guaranteed rate that specifically recognizes the coverage and yet we receive letters requesting proof of insurance. Also, I will attach the invoice that was paid out of escrow ( LATE! ) by Guaranteed rate. Harassment, plain and simple.
Consumer complaint received 2016-10-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Recovery Corporation (GA)

Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by Revenue Recovery Corporation creditor/collection agency. I have received a response that clearly violates my rights according to XXXX. 

Revenue Recovery Corporation, did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my XXXX rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.
Consumer complaint received 2023-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (AZ)

My move out date from my old apartment was XX/XX/2022, I got a notification on my credit dated XX/XX/2022 about a collection on my account that I was not notified about. Not only that, they are trying to collect the wrong amount. They are trying to collect double. The amount shouldve been {$510.00}, theyre are trying to charge {$1100.00}. I have tried to communicate this with the apartment complex who told me it was out of their hands. I also tried to communicate this with the original debt collector, who Im having a hard time reaching and am also getting the run around. I have personally done research about this collections company, and have learned that a lot of people are a victim to these unfair practices. Please help us. I have proof to back all of this up.
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2023, I tried to close my account with Barclays. I have asked multiple times to get a confirmation email from them but just as before in my previous complaints, they will not send me a confirmation email for proof of termination or any other request I have made. 
I made a final payment of {$3200.00} that cleared my bank on XX/XX/2023. I called them on XX/XX/2023 to check on any other interest charges and make a final payment. They claimed I now owed them {$49.00} and some change. I made the payment on the same day on the phone with their operator. Then I requested to speak with management and have this account closed once and for all. The operator out of XXXX XXXX, Nevada # XXXX who's name is XXXX gave me a confirmation # XXXX verifying the last payment, but did not send me a confirmation email of proof of termination of this card and account as I requested. 
Due to my suspicion of fraudulent activity with this company, I do not trust their hear say at this point and would like them to send me a confirmation of termination without any credit penalties as per my request. They agreed to do so on the phone but nothing has been sent. At this point all I have is proof of the transaction through my bank. Please help me resolve any further issues with Barclays once and for all. I have been through enough aggravation and poor customer service for one lifetime. 
Thank you for your help! 
XXXX XXXX
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

This company would not accept my United States Military ID so I could prove who I am. Yet, they have closed and placed the account on my credit report. How can I not be who I am with Military ID yet I am who I am with no creditable ID? Either they acknowledge I am who I am through my Military ID or this account is not mine because they have no ID to prove it is mine. Company : USAA  SAVINGS BANK  Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : Not more than 2 payments past due ( 2 ) Balance : {$4600.00}
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX ) in XX/XX/XXXX, I refused to pay a {$140.00} termination fee when I canceled the cable service provided by XXXX XXXX because they removed channels representing about 50 % of the viewing time for my family without notice or compensation. 
XXXX ) In XX/XX/XXXX, XXXX sold the debt to a collection agent and the collector reported it to Transunion and other reporting agencies. 
XXXX ) In XX/XX/XXXX, a new collector, XXXX XXXX XXXX, obtained the debt and reported to TransUnion and XXXX as a NEW collection account. 
XXXX ) Although TransUnion has information of this collection is the same debt it reported in XX/XX/XXXX, TransUnion 's credit score algorithm treated this as a NEW collection account initiated in XX/XX/XXXX, instead of a continuation of the same debt which was initially reported in XX/XX/XXXX. This error has caused undue damage to me financially and socially. 
XXXX ) TransUnion refuse to correct the error after I complained 3 times.
Consumer complaint received 2016-10-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc. (GA)

Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by Medical Data Systems creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

Medical Data Systems INC, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TRANS UNION HAD AN INQUIRY BREACH, MY CONSUMER REPORT SEEMS TO HAVE BEEN DIRECTLY EFFECTED BY SUCH BREACH.. TRANUNION HAVE INCORRECTLY ADDED INQUIRIES ON MY CONSUMER REPORT ... I WOULD LIKE THE FOLLOWING INQUIRIES REMOVED IMMEDIATELY 1. ) XXXX XXXX XXXX/XXXX/XXXX 2. ) XXXX XXXX XXXX XXXX/XXXX/XXXX 3. ) XXXX XXXX/XXXX/XXXX 4. ) XXXX XXXX XXXX/XXXX/XXXX 5. ) XXXX XXXX/XXXX/XXXX 6. ) XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

My ex husband took out a car loan in his name only. It shows as a joint account in my credit report and that is incorrect. The vehicle was repossessed voluntarily by him. The account was with Wells Fargo auto loans opened in XX/XX/2015. It needs to be removed from my credit reports.
Consumer complaint received 2024-10-11
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : XXXX of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : XXXX inquiries XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Factual Data XX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-13
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX  XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 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. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-13
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX  XXXX, XXXX Act Name : XXXX XXXX  XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 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. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX a supervisor, XXXX XXXX, claimed to listen to the call that I purportedly made on XX/XX/XXXX and made the following comments : " ( Chase ) will not release the recordings, but ( I ) can subpoena them. '' XXXX. This comment was made after I noted that both TILA and Regulation Z require all documentation used to make a decision regarding billing errors. 
On XX/XX/XXXX, Chase wrote " we received your XX/XX/XXXX letter.. However, the letter was insufficient. '' On XX/XX/XXXX Chase now claims that the letter was " not sent to the proper address. '' XXXX. The address to which the letter was sent is listed on a Chase website as a proper address. 
On XX/XX/XXXX Chase wrote " we consider our position to be final and we will no longer respond regarding this matter. '' Chase is refusing in writing, to the CFPB, to comply with both TILA and Regulation Z by providing information they are required to provide.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

FRAUDULENT ACCOUNTS HAVE BEEN LINKED TO MY FILE THAT ARE NOT MINE THAT I HAVE NO KNOWLEDGE OF. I HAVE NEVER RECEIVED ANY GOODS OR SERVICES FOR THESE FRAUDULENT ACCOUNTS OR INQUIRIES.
Consumer complaint received 2023-05-13
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 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 cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Transfinancial Companies, Inc (LA)

15 U.S. Code $ 1681c-2a 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, not later than four business days after the date of receipt. It has been over 30 days ( about 4 and a half weeks ) and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!! 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 under 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 right as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed immediately.
Consumer complaint received 2016-10-26
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: CNG FINANCIAL CORPORATION (IN)

Check and Go debt from XXXX. Filed Chp XXXX Bankruptcy in XXXX XXXX, was discharged in XXXX XXXX. Check and Go was listed on the XXXX. I received a telephone call / voicemail in XXXX XXXX from " XXXX '' XXXX ( XXXX, XXXX XXXX XXXX ) stating that they were going to be delivering a summons to my residence and then my job and that I must have a supervisor present. I returned the phone call and indicated that I had filed for Chp XXXX Bankruptcy in XXXX XXXX. They stated that this was a fraud charge and my bankruptcy did not protect me from that. I forwarded this information and the voicemail to my Bankruptcy attorney. Today on XXXX XXXX XXXX, I received a voicemail on my personal cell phone and work telephone from " XXXX XXXX XXXX '' XXXX stating that I needed to contact this number and that the voicemail would serve as " legal notice ''. I returned the phone call and the " Senior legal representative '' stated that fraud charges were being made against me because of the Check and Go debt from XXXX that was included in Bankruptcy. I explained that my bankrutpcy was discharged in XXXX XXXX, asked them not to contact me again at home or at work, and to call my attorney with questions. They stated that my bankruptcy has nothing to do with the fraud charges being placed against me. I explained that I knew this was scare tactic and that I was not falling for it. She insisted that she was forwarding my account to a " locater '' and that I would have to appear in court with my attorney to answer to these charges. I again asked this company to not contact me again regarding this matter. She stated that the phone calls would continue. I disconnected the call. Immediately after disconnecting the call, I received XXXX " Unknown '' calls. I answered, nobody on the other end. This is also harassment in nature.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I filed a dispute with 2 consumer reporting agencies on XXXX XXXX ( XXXX and XXXXThe consumer reporting agencies validated the debt I disagreed with the process.I filed a complaint with the CFPB after the initial complaint with the CFPB XXXX deleted the account.XXXX still continues to furnish the account.I also filed a dispute with the creditor the same time as I filed it with the consumer reporting agencies, I never received a response back from Capital One.I called the CFPB and asked how could this debt be validated after one ( XXXX ) consumer reporting agencie deleted the account.Then the representative told m that companies don't have to show any proof and just send it back validated with no proof of an investigation.Section ( 6 ) 611 ( a ) ( 1 ) ( a ) that says a companie must respond in 30 days of a challenge.It is well past the 30 day mark, and even though they don't have to respond to the consumer reporting agencies they must respond to me the consumer.I also read in section 6 611 ( a ) ( 5 ) ( A ) that if the company doesn't respond then the account must be deleted.Capital one acct # XXXX on XXXX consumer reporting agencie.I have copies of everything below
Consumer complaint received 2023-05-13
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 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 cause to believe that the information is inaccurate.